How to Use the Bajaj Finance Insta EMI Card to Shop on Flipkart

Flipkart is a home-grown Indian online marketplace, founded in Bengaluru in 2007. It is known for its big sales, especially the Big Billion Days, and a wide range of phones, electronics and appliances. Shoppers in metros and small towns alike use it to compare prices and get products delivered to their doorstep.

Here is why so many Indians shop on Flipkart:

• Big Billion Days and other big sales: Flipkart’s yearly sales bring some of the lowest prices on phones, TVs and appliances.
• Strong range of phones: Many phones launch first on Flipkart, sometimes as Flipkart-only models.
• Early access for members: Flipkart Plus and Black members often get access to sale deals before everyone else.
• Delivery to small towns: Flipkart delivers to cities and towns across India, not just metros.
• Flexible payment options: Pay with UPI, net banking or cash on delivery, or choose Easy EMIs with the Insta EMI Card.

Before you shop the next sale, check your Insta EMI Card eligibility using your mobile number and OTP. You will know your card loan offer before you fill your cart.

Paying with the Bajaj Finance Insta EMI Card on Flipkart takes only a few steps. Once your card is active, follow these steps on the Flipkart app or website:

1. Add your chosen product to your cart on Flipkart. Make sure your total is above Rs. 5,000.
2. At checkout, select the Bajaj Finance Easy EMI option.
3. Enter your Insta EMI Card details and registered mobile number.
4. Choose your preferred repayment tenure across 3 to 60 months.
5. Confirm using the OTP sent to your registered mobile number.
6. Your order is placed, and EMI deductions begin from the next billing cycle.

Also read: How to use the Insta EMI Card

Flipkart makes it easy to find a good deal and get it delivered without leaving home. Here are the main benefits, and how each one helps you:

• Compare models side by side: Use Flipkart’s compare feature to check specs and prices across phones or TVs.
• Real buyer reviews: Ratings, photos and reviews from other buyers help you avoid a poor purchase.
• Exchange your old device: Exchange offers on phones and some appliances lower the price of your new product.
• Installation for big appliances: Many TVs, ACs and washing machines come with installation arranged after delivery.
• Simple returns: Most products come with a return or replacement window if something is wrong.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you split your Flipkart purchases into Easy EMIs. It is not a credit card. If you do not have a credit card, or want to keep your savings untouched, it lets you grab sale deals now and pay in fixed monthly amounts.

The card suits planned Flipkart purchases, such as a TV for the festive season or a phone upgrade. Here are its key features:

• A pre-qualified card loan offer of up to Rs. 6 lakh.
• A repayment tenure you choose across 3 to 60 months.
• A card you can use on Flipkart and Amazon, and at over 1.5 lakh partner stores across more than 4,000 cities.
• A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.
• A zero down payment facility on select products and during festive season offers.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If you are eligible, you can apply instantly and start shopping on Flipkart for your preferred phone, TV or appliance easily and affordably.

*Inclusive of applicable taxes.

Flipkart runs big sales through the year, and prices on phones, TVs and appliances drop the most during them. The table below lists the key 2026 sales. You can also follow the Flipkart upcoming sales calendar.

Last updated: 30th October, 2026

Disclaimer: Sale dates are based on Flipkart announcements and past patterns, and may change. Please check the Flipkart app for the latest details.

→ Key takeaway: Flipkart sales cut the price, and the Insta EMI Card spreads it out. Together, they let you buy a bigger TV or a better phone without straining your monthly budget.

You can apply for the Bajaj Finance Insta EMI Card online with your PAN, Aadhaar and registered mobile number. Follow these steps before you shop on Flipkart:

1. Enter your 10-digit mobile number and click on ‘GET IT NOW’ on the Insta EMI Card page.
2. Enter the OTP and submit.
3. Enter your full name and click on ‘Yes, Auto-Fetch Details’.
4. Verify your pre-filled personal details and click ‘CONTINUE’.
5. Check your pre-qualified card loan offer amount and click ‘CONTINUE’.
6. Review your wallet setup details and verify the OTP.
7. Complete identity verification by confirming your current residential address.
8. Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

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

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• 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: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

Explore more:

List of the biggest upcoming sales: