Use the Insta EMI Card to shop for 1 million+ products on EMIs

Use the card to buy on online shopping websites and our offline partner stores.
Use the Insta EMI Card to shop for 1 million+ products on EMIs
2 min read
28 Sep 2022

From daily groceries to apparel, home appliances to fitness equipment, and smart gadgets to furniture and furnishings, you can use the Insta EMI Card to buy 1 MILLION+ products and make shopping on EMI convenient.

We have partnered with small and large retail outlets across small towns and megacities to ensure we cover all aspects of your life. Our partner network is one of the largest in the country and we continue to add new partners every month.

Accepted across leading shopping websites

This card is accepted at our online partner stores, including large shopping sites like Amazon, Reliance Digital, Tata, and Croma. Many leading regional brands like Poorvika mobiles, Sargam Electronics and the likes accept the Insta EMI Card. We have partnerships with leading regional brands across 4,000+ cities and expanding our partnerships to cover online sites of popular brands.

Accepted across 1.5 lakh+ stores in 4,000+ cities

Our Insta EMI Card can be used at more than 1.5 lakh stores in 4,000+ metropolitan areas and local neighbourhoods. The width of our partnership network means that you can shop at any of one of them, no matter where you are or what you are looking for.

Find a store near you

How to apply for Insta EMI Card for online shopping

A step-by-step guide to applying for an Insta EMI Card.

  1. Click on the ‘Apply’ button on this page.
  2. Provide your basic details, including your mobile number and date of birth.
  3. Submit the OTP received on your registered mobile number.
  4. Check your pre-approved limit to proceed further.
  5. Verify and confirm your KYC details.
  6. Activate your Insta EMI Card by paying a nominal joining fee of Rs. 599.

Your digital card is now ready to use. You can access your Insta EMI Card details on the Bajaj Finserv app.

Benefits of using the Insta EMI Card

The Insta EMI Card not only helps you convert all your purchases into No Cost EMIs but also has other benefits, such as:

  • Pre-approved card limit of up to Rs. 3 lakh
  • Everything on EMIs
  • Accepted at 1.5 lakh+ stores
  • Flexible repayment tenures
  • End-to-end digital process
  • Zero down payment 
  • Lower EMI schemes 
  • No foreclosure charges and more 

Features and benefits of EMI Card

How to use the Insta EMI Card at our partner stores

Once you have decided on the product that you are buying, you can choose to pay using the Insta EMI Card. You can get assistance from our in-store representative who will guide you through the process.

At the time of billing, instruct the cashier to bill the purchase on your Insta EMI Card. Pick a repayment tenure of your convenience. Share the OTP received on your registered mobile number with the cashier. Furthermore, you can check for the home delivery option of the chosen product.

In just a few minutes, you will be able to buy the product you like, without paying a bulk amount with the help of the Insta EMI Card.


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

How can I shop on EMI?

To shop on EMI, explore products from retailers offering EMI options. Pick your desired item and check eligibility. Use your Insta EMI Card details during checkout. Select the EMI plan of your choice and complete the purchase.

Is EMI available on online shopping?

Yes, EMI is commonly available for online shopping. Many e-commerce platforms like Bajaj Mall, Amazon, Flipkart, etc. provide EMI options during the checkout process. Look for this option while finalising your purchase.

How to pay EMI for online shopping?

Paying EMI for online shopping is simple. After selecting the EMI plan and making the purchase, the EMI amount will be automatically deducted from your credit card each month. Ensure the card has enough credit to cover the instalment.

How do I buy a product online using EMI payment?

To buy a product online using EMI, add the item to your cart and proceed to checkout. Choose the EMI option and select your preferred plan. Provide your credit card details and confirm the purchase. The product will be shipped to you, and the EMI amount will be charged monthly as per the selected plan.

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