Shop Air Conditioners from Croma on EMIs

Shop the latest air conditioners from Croma on EMIs using the Insta EMI Card. Get zero down payment offers and Easy EMIs without using a credit card.
Shop Air Conditioners from Croma on EMIs
4 Min Read
April 21, 2026

You can beat the heat effectively by exploring the wide collection of cooling solutions at Croma. Whether you need a powerful split AC for your hall or a compact window unit for your bedroom, you will find the right fit easily. These energy-efficient models help you stay comfortable while keeping your utility costs low. 

You can purchase your desired air conditioner using the Bajaj Finance Insta EMI Card to enjoy flexible repayment options. This allows you to bring home a premium appliance today without any financial stress.
 

Overview of air conditioners from Croma stores

Croma offers a diverse range of air conditioners that cater to different room sizes and cooling requirements. You can choose from advanced inverter split models that adjust their power based on the room temperature or traditional window units that provide reliable performance. Many of these modern systems feature smart controls and air purification filters to ensure a healthy environment. With options like the 4K TV of the cooling world—high-end 5 Star inverter ACs—you get maximum efficiency and whisper-quiet operation for a peaceful home.
 

Key benefits of buying an air conditioner from Croma

Shopping at Croma ensures you receive a high-quality product backed by excellent service. You will find several advantages that make your purchase worthwhile and improve your overall home comfort.

  • Expert guidance: You receive professional advice from staff to help you select the perfect capacity for your specific room dimensions.
  • Extended warranty plans: You can protect your investment with additional coverage that goes beyond the standard manufacturer warranty.
  • Installation support: You benefit from quick and professional installation services to ensure your new unit functions perfectly from day one.
  • Energy savings: You can choose from a variety of 5 Star rated models that significantly reduce your monthly electricity consumption.
  • Wide brand selection: You get access to all leading global and domestic brands under one roof for easy comparison.
     

Top selling air conditioners at Croma stores (2026)

You can find several popular models that provide exceptional cooling performance and reliability. The table below lists the top choices available this year to help you decide on your purchase.

Model nameWhy should you get thisPrice
Croma 0.8-ton 3 Star Inverter Split ACPerfect for small study roomsRs. 23,590
Voltas 1.3-ton 3 Star Inverter Split ACOffers efficient 4-in-1 convertible coolingRs. 28,990
Croma 1.5-ton 3 Star Inverter Split ACProvides great value for medium roomsRs. 29,990
Daikin 1.5-ton 3 Star Inverter Split ACIncludes dew clean technology for fresh airRs. 37,490

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a Croma store. 
 

Why should you choose an air conditioner from Croma

Selecting Croma for your cooling needs gives you peace of mind and access to the latest technology. You enjoy a seamless shopping experience that focuses on your long-term satisfaction.

  • Genuine products: You always receive authentic appliances with original tax invoices and manufacturer guarantees.
  • Flexible payment options: You can use various methods to pay for your purchase, including interest-free instalments that suit your budget.
  • Regular maintenance services: You can book periodic cleaning and servicing to keep your air conditioner running at peak efficiency.
  • Exclusive in-store deals: You often find special prices and bundled offers that you cannot get elsewhere in the market.
     

What is a Bajaj Finance Insta EMI Card?

The Bajaj Finance Insta EMI Card is a digital payment tool that allows you to buy your favourite products on Easy EMIs. It provides you with a pre-approved card loan offer of up to Rs. 3 lakh, which you can use across 1.5 lakh partner stores. You do not need a credit card to access this facility, making it a convenient option for many shoppers. The process is completely paperless and provides instant approval, so you can complete your shopping without any delays.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred air conditioner easily and affordably.
 

How to shop for an air conditioner from a Croma store using the Insta EMI Card

You can bring home a new air conditioner quickly by following a few simple steps at the store. This method ensures you manage your finances efficiently while upgrading your home.

  • Visit a Croma store: Walk into your nearest outlet and pick the air conditioner that meets your cooling needs.
  • Contact the counter: Inform the store representative that you wish to use your Bajaj Finance Insta EMI Card for the payment.
  • Share your details: Provide your card information and choose a repayment tenure that fits your monthly budget.
  • Verify the transaction: Enter the one-time password sent to your mobile phone to complete the secure purchase process.

Benefits of using the Insta EMI Card

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail deals with no upfront payment requirement on select models.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.


Also read: Features and benefits of the Bajaj Finance Insta EMI Card
 

Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 years to 70 years.
  • Credit score: A healthy credit score per Bajaj Finance policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

 
Also read: Eligibility criteria for the Insta EMI Card
 

How to apply for an Insta EMI Card

  • Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  • Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  • Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  • Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified limit.
  • Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  • Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  • Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
  • View card: Access and view your new digital card details instantly on the Bajaj Finance application after the successful payment.
     

Also read: How to apply for the Insta EMI Card
 

Explore more:

EMI full formBNPLPOS full form

Top products from Croma stores:

Croma Power BankCroma TVCroma Air Conditioner
Croma LaptopCroma TV 32-InchCroma Refrigerator
Croma AC 1.5-TonCroma SpeakersCroma Mobile

List of top Croma stores by locations:

Croma GwaliorCroma NagpurCroma Pune
Croma SuratCroma ThaneCroma Gurgaon
Croma AhmedabadCroma JaipurCroma Hyderabad
Croma VadodaraCroma CoimbatoreCroma Kolkata
Croma ChennaiCroma AmravatiCroma Lucknow
Croma IndoreCroma JamnagarCroma Mumbai
Croma BangaloreCroma DehradunCroma Nashik
Croma UdaipurCroma VijayawadaCroma Kota
Croma UlhasnagarCroma VisakhapatnamCroma Jamshedpur
Croma LudhianaCroma AurangabadCroma Ujjain
Croma PatnaCroma Agra 

List of the biggest upcoming sales:

Amazon Upcoming SaleFlipkart Upcoming Sale
Amazon Great Indian Festival 2026Croma Diwali Sale with Insta EMI Card
Diwali offers with Insta EMI CardAmazon fridge offers 2026
Amazon mobile offers 2026Reliance Digital Diwali offer 2026
Amazon Diwali offer sale 2026Sangeetha Mobiles Diwali offers 2026
Poorvika Mobiles Diwali offers 2026How to shop on Amazon without a credit card
Amazon Great Indian Festival 2026Flipkart Cooling Days
Amazon Prime Day SaleAmazon Electronics Sale

Bajaj Finance app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finance App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

Can I buy an air conditioner from Croma with the Insta EMI Card?

Yes, you can buy any air conditioner from Croma using the Bajaj Finance Insta EMI Card. This facility is available at all Croma outlets across India and also on their official website. You simply need to select your preferred model and use the card to convert the cost into instalments.

Do I get any benefits on using an Insta EMI Card while buying an air conditioner from Croma?

You receive several benefits, such as the ability to pay in Easy EMIs without any additional interest charges. On select models, you might also find zero down payment offers, which means you can take the air conditioner home without paying anything upfront at the time of purchase.

What is the minimum purchase amount to buy an air conditioner from Croma on EMI?

The minimum purchase amount to avail of the EMI facility with your Insta EMI Card is generally Rs. 5,000. Since most air conditioners at Croma start well above this price, you can easily use your card to split the total invoice amount into affordable monthly payments.

Can I get zero down payment offers on all air conditioners from Croma with the Insta EMI Card?

Zero down payment offers are available on several popular air conditioner models, especially during festive seasons or special sales. You should check with the store representative at Croma to see which specific units currently qualify for this benefit to avoid any initial out-of-pocket expenses.

Can I buy an air conditioner from Croma on EMIs without using a credit card?

Yes, you do not need a credit card to buy an air conditioner on EMI at Croma. The Bajaj Finance Insta EMI Card serves as a perfect alternative, allowing you to enjoy the same convenience of monthly instalments without the need for a traditional credit card or complex paperwork.

Which air conditioner from Croma is the best for home use in 2026?

The best choice for a typical Indian home is usually a 1.5-ton 3 Star or 5 Star inverter split AC. Brands like Daikin, Voltas, and Croma’s own range offer excellent cooling and energy efficiency. You should choose a model based on your room size and daily usage hours.

Do air conditioners from Croma support smart features or Wi-Fi control?

Many modern air conditioners available at Croma include smart features and Wi-Fi connectivity. These allow you to control the temperature, set timers, and monitor energy usage directly from your smartphone. You can even use voice assistants to operate your AC for a truly hands-free experience.

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