Manage your Insta EMI Card in My Account

Manage your Insta EMI Card in My Account

Track your Insta EMI Card in our customer portal

The Bajaj Finserv EMI Network Card, also known as the Insta EMI Card, is a unique way of financing that lets you shop across categories such as clothing, furniture, furnishings, home and kitchen appliances, fitness equipment, and more and divide the cost into equated monthly instalments.

If you are looking for more information about your Insta EMI Card – the ongoing loans, information about your payments, or if you are looking to repay an ongoing loan, you can head to our customer portal – My Account.

Sign-in with just your mobile number and one-time password to:

  • Track your Insta EMI Card details and usage
  • Download your statement of account
  • Block or unblock your card
  • Register your e-mandate

View your Insta EMI Card details in My Account

Check your Insta EMI Card status, verify your card details, card validity, total approved loan limit, and your total available limit by signing-in to My Account.

  • Check your card details

    Check your card details

    You can check your card details by following these simple steps:

    • Sign-in with your date of birth, mobile number and OTP.
    • Select your card from the ‘My Relations’ section.
    • Find your card details like status, validity, total and available limit of your Insta EMI Card.


    You can also click on ‘View your card details’ to get information about your Insta EMI Card. You will be asked to sign-in to ‘My Account’ and redirected to the My Relations section where you can select your card to view its details.

    View your card details

  • Check your card details

    Sign-in to My Account using your date of birth and mobile number to view your card details.

Activate your Insta EMI Card

Activating your Insta EMI Card is easy. All you have to do is complete your KYC and register your e-mandate. Once your card is activated, you can start shopping on your favourite e-commerce website or at your nearest store.

Every new purchase, whether online or at our partner store, has a new loan account created. You can access all your loan accounts by visiting our customer portal.

Please note, if there is a change in your contact details after your card has been activated, you will need to make your first transaction at one of our 1.2 lakh+ partner stores.

  • Activate your card

    Activate your card

    You can activate your card by visiting My Account

    • Sign-in to our customer portal with your registered mobile number and date of birth and submit the OTP.
    • Once signed-in, select your Insta EMI Card under ‘My Relations’.
    • Click on ‘Register Now’ and proceed to register your e-mandate.


    You can also click on the ‘Activate your card’ option below to get started. You will be asked to sign-in to ‘My Account’ and redirected to the ‘My Relations’ section where you can select your card and register the mandate to activate it.

    Activate your card

Download your Insta EMI Card statement in My Account

Your statement of account is a detailed summary of your transactions, instalments, insurance, and additional services if any. It helps you keep a track of your ongoing loan and the fees and charges you may incur over the repayment tenure.

  • Check your account statement

    Check your account statement

    You can download the statement of account (and other documents) related to your Insta EMI Card by visiting our customer portal - My Account.

    • Sign-in with your date of birth, mobile number and OTP.
    • Choose the loan for which you want to view your statement.
    • Find all the documents related to your loan account.
    • Download your ‘Statement of Account’ in just a click.


    You can also click on ‘Download your Statement of Account’ option below.

    You will be asked to sign-in and then redirected to the ‘Document Center’ where you can select your loan account to view its documents and click on ‘Statement of Account’ to download it.

    Download your Statement of Account

Get in touch with us

Reach us if you need assistance with any of our products or services.

  • To get assistance online, visit Help and Support.
  • For fraud-related assistance, call our helpline +91 8698010101.
  • You can download our app from Play Store/ App Store to connect with us.
  • Find our branch nearest to your location and get your queries resolved.
  • You can connect with us by visiting our Reach Us page.

How to update your Insta EMI Card PIN

Reset your Insta EMI Card PIN

Your Insta EMI Card comes with a four-digit Personal Identification Number (PIN). You will be asked to set a new one when you activate your card. You will then need this PIN for every transaction. If you forget your PIN, or need to update it, you can reset it by visiting My Account.

  • Update your card PIN

    Update your card PIN

    • Sign-in with your mobile number and date of birth.
    • Select your Insta EMI Card from the ‘My Relations’ section.
    • Go to the ‘Quick Actions’ and click on ‘Reset PIN’.
    • Enter the new PIN and proceed.
    • Verify the OTP sent to your mobile number.


    You can also click on the ‘Change your PIN’ option below to sign-in. Then, you can select your card from ‘My Relations’ and proceed.

    Once you complete the process, you will receive a notification on your screen.

    Change your PIN

Block or unblock your Insta EMI Card

Your Insta EMI Card is a great way to manage your purchases, but you may face a situation where you need to block your card.

Perhaps you are not planning to use your card for a while, or if you are one of our long-term customers, maybe you have misplaced your physical EMI Network Card. In such a scenario, blocking your Insta EMI Card can help you prevent misuse or fraud. And you can do this by visiting our customer portal. However, once your card is blocked, you will not be able to use it to shop.

If your Insta EMI Card is blocked due to non-payment of instalments or dues, or a low CIBIL Score, it will get unblocked once you clear your overdue EMIs or improve your credit score that meets our internal policies. An SMS is sent to your registered mobile number to inform you about any change in the status of your card.

  • Block your card

    Block your card

    You can block your card by visiting My Account

    • Sign-in with your mobile number and date of birth.
    • Select your Insta EMI Card from the ‘My Relations’ section.
    • Click on the option ‘Block Card’ from the ‘Quick Actions’ section.
    • Enter the reasons for blocking and proceed.


    You can also click on the ‘Block your Insta EMI Card’ option below to sign-in. Then you can select your card from ‘My Relations’ and proceed to block. Your card will be blocked instantly.

    Block your Insta EMI Card

  • Unblock your card

    Unblock your card

    If you have blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal

    • Sign-in to My Account using our two-factor authentication.
    • Select the card you want to unblock from ‘My Relations’.
    • Click on the option ‘Unblock Card’ from the ‘Quick Actions’ section.
    • Verify with an OTP sent to your registered mobile and proceed.


    You can also click on the ‘Unblock your Insta EMI Card’ option below to sign-in. Then select your card from ‘My Relations’ and proceed to unblock.

    Your card will get unblocked and you will receive a notification on your screen once you complete the process.

    Unblock your Insta EMI Card

Access your Insta EMI Card digitally

Your Insta EMI Card is fully digital – you do not need a physical card to use it in a store or online on your favourite e-commerce website. All you have to do is to share your card number with our representative at a partner store or add the details of your 16-digit card while shopping online. You can access your Insta EMI Card online by signing-in to My Account.

  • Check your Insta EMI Card number

    Check your Insta EMI Card number

    You can check your card number by visiting our customer portal

    • Sign-in with your date of birth, mobile number and OTP.
    • Select your Insta EMI Card from the ‘My Relations’ section.
    • Click ‘View Number’ to check the masked digits of your card.
    • Verify your details with an OTP sent to your mobile number.
    • Check the card number and other details displayed on your screen.


    You can also access your Insta EMI Card or check its number by clicking on ‘View your card number’. You will be asked to sign-in to ‘My Account’ and redirected to the ‘My Relations’ section where you can select your card and click on ‘View Number’ to proceed.

    View your card number

Where to shop with your Insta EMI Card

You can use your Insta EMI Card to shop for 1 million+ products – from groceries to smartphones, laptops, electronics, home appliances, and more. The card gives you the option to split your bills over flexible tenures of 3 to 24 months and convert your purchases into easy EMIs.

Use your Insta EMI Card to shop for your favourite products across the following:

  • Bajaj Mall

    Bajaj Mall

    Choose from your favourite gadgets, electronics, home appliances, or lifestyle products on Bajaj Mall with your Insta EMI Card.
    Use your mobile number and OTP to sign-in to Bajaj Mall. Choose your favourite product, select the EMI plan, and confirm your delivery address. Once you complete your purchase, you will receive your product within the committed timeline.

    Shop on Bajaj Mall

  • E-commerce websites

    E-commerce websites

    Visit your preferred online shopping destinations like Amazon, MakeMyTrip, Vijay Sales, Tata Croma, Reliance Digital, and others and shop on No Cost EMIs. Select the product, choose to pay on EMIs, select your tenure, and convert your purchase into bite-sized instalments.

  • Offline partner stores

    Offline partner stores

    Our Insta EMI Card is accepted across more than 1.2 lakh partner stores in more than 3,000 cities. Walk into any of our partner stores, choose your product, and avail of the best EMI schemes.

  • Partner superstores

    Partner superstores

    Not just your gadgets or electronic appliances, but even your groceries are available at No Cost EMIs. Walk into any of our partner superstores near you, shop for your grocery needs, and use your Insta EMI Card to convert your purchases into easy EMIs.

    Find a partner store near you

Nominal annual fees

If you have an Insta EMI Card but haven’t made a purchase in the last 12 months, you will be charged a nominal annual fee of Rs. 117. Click here to view the complete list of fees and charges.

Frequently asked questions

Why is my Bajaj Finserv Insta EMI Card blocked? How do I unblock it?

You Insta EMI Card may be blocked due to a number of factors. These include, having a low CIBIL Score, missed or bounced EMIs, an inconsistent payment record, and others. Usually, your card will get unblocked once you clear your overdue EMIs or your credit score gets improved as per our internal policies.

You can view the status of your Insta EMI Card by clicking on ‘Check your Insta EMI card status’ and find out the reason for blocking and steps to unblock it.

Check your Insta EMI Card status

Why has Bajaj Finance reduced the card limit of my Bajaj Finserv Insta EMI Card?

The Insta EMI Card limit assigned to you depends on our internal credit policy. This policy depends on a number of factors including your CIBIL Score, your repayment history, the frequency of new loans taken, and others. Do note that the pre-approved loan amount on your Insta EMI Card (card limit) is subject to change as per our internal policies. You will receive an SMS on your registered mobile number if there is any change in your card limit.

How will I get to know if my card is active?

You can check your card status by clicking on ‘View your card details’ below or signing-in to My Account. Once you have signed-in, select your card from the ‘My Relations’ section and see the status of your card.

View your card details

How do I ensure that my Insta EMI Card remains active?

You can continue to enjoy the benefits of your Insta EMI Card by making sure all your EMIs are paid on time, and you maintain a minimum CIBIL Score required as per our internal policies.

Can my friend or brother use my Insta EMI Card?

For security reasons, it is recommended that only the cardholder use his/ her Bajaj Finserv Insta EMI Card. Loans taken against your card are your responsibility and you will be held liable in case of delayed payments or default.

When will I receive a physical EMI Network Card?

While we used to issue physical EMI Network Cards till a few years ago, the new Insta EMI Card is a virtual-only card. It packs in all the features of the physical card without the need to carry it around. You only need your Insta EMI Card number and the OTP sent to your registered mobile number to complete a purchase.

You can find your Insta EMI Card number on the Bajaj Finserv app or by signing-in into My Account.

View your card details

With the Bajaj Finserv EMI Network Card now digitised, what will I do with my physical card?

While the EMI Network Card is now a virtual-only card, you can still use your physical card to make transactions across our Bajaj Mall, other e-commerce destinations, and your favourite partner stores. You can also access your digital card by visiting our customer portal – My Account.

Do you charge any annual charges on the Insta EMI Card?

Yes, if you own an Insta EMI Card but haven’t completed a purchase in the last one year, you will be charged an annual fee of Rs. 117. However, if you have bought at least one product with your Insta EMI Card in the preceding year, you will find that this charge is waived off.

For example, if the Bajaj Finserv EMI Network Card is issued in Feb 2019 (referred to as "Member Since" on the EMI Network Card) the date for payment of the annual fee will be March 2020 (if there has been no loan booked between Feb 2019 to March 2020).

Check the complete fees and charges applicable

Show More Show Less