Shop online on No Cost EMIs

Shop for a range of premium products online with the No cost EMI - an easy, affordable, and convenient option.
Shop online on No Cost EMIs
5 mins
10th Nov 2023

Shopping on EMIs is not a new concept that gained much fame in the last few years. There are many cards that are packed with EMI facility but the one card that stands out is the Bajaj Finserv Insta EMI card. Owing to its No Cost EMI online shopping facility, widespread acceptance, and high perks, make it the star among all cards.

For instance, you have been planning to buy a smartwatch and have an attractive offer on one of the leading online shopping sites like Amazon. Buying the smartwatch on EMIs is your best option due to the high price tag. In a situation like this, you can avail of the convenience of paying in EMIs with the Insta EMI Card.

Where you can avail of No Cost EMI with Bajaj Finserv Insta EMI Card?

  • Amazon
  • Flipkart
  • Bajaj Mall
  • Croma online store
  • Reliance Digital online store
  • MakeMyTrip and many others

To make it even more beneficial for you, we are expanding our coverage of the digital partner network so that you can use your Insta EMI Card online across all major shopping websites and apps.

Product categories available for shopping on No Cost EMI

You can buy 1 million products online on No Cost EMIs

  • Smartphones
  • Smartwatches
  • Home appliances
  • Furniture and furnishings
  • Sport equipment
  • Kitchen appliances
  • Mattresses
  • Cycles
  • Drones
  • DSLRs and much more

How to make online payments with the Insta EMI Card

  • Step 1: Visit
  • Step 2: Select the product that you want to purchase
  • Step 3: Click add to cart or buy now
  • Step 4: If you chose the ‘add to card’ option, click proceed
  • Step 5: Confirm the delivery address
  • Step 6: On the payment page, choose Bajaj Finserv Insta EMI Card as the payment option
  • Step 7: Select one the EMI plans
  • Step 8: Verify your payment with the OTP

At present we have a tie-up with multiple online partners, and we are adding new partners every month.

Benefits of shopping online on No Cost EMI

Millions of Insta EMI Card customers convert their purchases into EMIs every year. During lockdown, we started getting customer requests to create an online shopping website that could fulfil their need for No Cost EMI purchases and assure fast deliveries.

Everything on EMIs

The beauty of Bajaj Mall is that everything on the shopping site is available on low EMIs. Today it has over 1 million products across electronics, fitness equipment, gadgets, smart devices, and many more items.

Zero down payment

We offer zero down payment plans on select products where you have to pay a nominal processing fee. For example, you can buy a washing machine worth Rs. 47,990 and put the entire amount on 12-month EMIs of Rs. 3,999. Depending on your purchase date, the washing machine may be delivered to you in 24 hours.

Low-EMI special programmes

Bajaj Mall offers the longest repayment tenures of up to 60 months that can help you reduce your monthly EMI amount. You can choose from one of our unique repayment schemes to reduce your monthly EMI cost. For example, you can buy the same washing machine worth Rs. 47,990 and choose a repayment tenure of 60 months. This reduces your EMI to Rs. 800.

Same day delivery

To ensure that we deliver your products faster, we have tied up with local partners. Today, we have over 1.5 lakh partner stores who deliver the product you have ordered within a day or two.

Consequent to directive received from Reserve Bank of India, Bajaj Finance Limited has temporarily suspended issuance, sanction and Disbursal under it's online loan products "ECom" and "Insta EMI card". However, you can walk-in to any of our offline partner stores and get your product financed. Refer to the detailed FAQ on our website for further queries.


While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply

Frequently asked questions

Is EMI available for online shopping?

Using the Insta EMI Card, you can shop online on No Cost EMIs. The card is accepted across all leading online stores like Amazon, Flipkart, Bajaj Mall and more.

How to shop on No Cost EMI on Flipkart?

Use the Bajaj Finserv Insta EMI Card to shop on No Cost EMI on Flipkart. All you need to do is, select the EMI option and choose the Insta EMI Card as the payment method.

How to shop on No Cost EMI on Amazon?

You can use the Bajaj Finserv Insta EMI Card to shop on No Cost EMI on Amazon. All you need to do is, select the EMI option and choose the Insta EMI Card as the payment method.

Can anyone get Bajaj Finserv No Cost EMI?

An individual with a CIBIL Score of 720 or more with a regular source of income can avail of the Insta EMI Cards. Check the eligibility details before applying.

Can I prepay my Bajaj Finserv No Cost EMI payment?

Yes, there is an option to prepay the bill for your Bajaj Finserv Insta EMI Card.

What are No Cost EMIs?

No Cost EMIs are a financing option offered by retailers and banks that allow customers to purchase products without incurring any interest charges or processing fees. These EMIs are designed to make expensive items more affordable by spreading the cost over a fixed tenure, typically ranging from three to twelve months.

How do No Cost EMIs work?

No Cost EMIs work by absorbing the interest and processing fees that are usually associated with traditional EMIs. Retailers or banks collaborate with manufacturers or sellers to offer this benefit to customers. The interest and fees are either paid by the retailer or bank, or they are adjusted within the product's price. Customers pay only the product's actual price in equal monthly instalments.

Can I avail No Cost EMI on any product?

No, not all products are eligible for No Cost EMI. Retailers and banks typically offer No Cost EMIs on specific items or categories such as electronics, appliances, and high-value purchases. Eligibility may also depend on factors like the purchase amount and the seller's agreement with the financing institution.

Do I need a credit card for No Cost EMIs?

While credit cards are a common way to avail No Cost EMIs, they are not the only option. Many banks and financial institutions provide No Cost EMI facilities on debit cards, through digital wallets, or by directly offering financing options like an EMI Card. Bajaj Finserv Insta EMI Card is one such EMI Card offered by Bajaj that provides No Cost EMIs along with zero down payment on select products.

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