Vijay Sales Offers: Shop Electronics on EMI with the Insta EMI Card

Vijay Sales offers are known for big savings on electronics and home appliances, with deals running at Vijay Sales partner stores and online. The Diwali sale is the biggest of the year and suits families getting their homes ready for the festival. You can upgrade your AC, refrigerator, or phone and see the product in person before you buy.

Here is why Vijay Sales offers are worth your time:

• Deep cuts on big appliances: In the Diwali sale 2026, select ACs are listed at up to 60% off MRP and washing machines at up to 55% off MRP.
• Festive upgrades before guests arrive: A new refrigerator, dishwasher, or microwave helps you handle the extra cooking during Diwali.
• Deals all year round: Vijay Sales runs big sales in January, July, August, October, November, and December.
• See and compare in person: You can check products side by side at a Vijay Sales partner store before you decide.
• Rewards on every bill: MyVS loyalty points add a little extra value to each purchase.

→ Key takeaway: The best Vijay Sales offers, especially during Diwali, can sell out within days. With Easy EMIs on the Insta EMI Card, you can buy at the offer price and spread the cost over monthly instalments.

Before you visit a Vijay Sales partner store, check your Insta EMI Card eligibility using your mobile number and OTP. Knowing your card loan offer in advance helps you decide what to buy quickly.

Vijay Sales holds several big sales through the year, and the Diwali sale brings the deepest cuts. Knowing the timing helps you plan big purchases and avoid paying full price. Here are the key sales to watch:

• Diwali sale, October to early November: The 2026 Diwali sale is live now, with offers on ACs, refrigerators, washing machines, and mobile phones. It is the best time to upgrade before Diwali on 8th November, 2026.
• Black Friday Sale, usually late November: It gives you a second chance at festive-level prices if you missed the Diwali deals.
• Year-End Sale, usually December: Older models often get clearance prices before new stock arrives.
• Vijay Sales Republic Day Sale, usually from mid-January: In 2026, it began on 17th January, 2026. It is a good time to buy an AC before the summer rush.
• Grand Electronics Sale, usually early July: In 2026, it began on 3rd July, 2026, with discounts of up to 65%, and it suits monsoon buys such as washing machines.
• Independence Day Sale, usually mid-August: It brings useful mid-year price drops before the festive season.

→ Pro tip: Visit your nearest Vijay Sales partner store early in the Diwali sale and shortlist two or three models. Popular sizes, like 1.5-ton ACs and 8 kg washing machines, often sell out first.

Vijay Sales offers cover almost every category, from small kitchen tools to large appliances. Some categories see much bigger price drops than others. Here is what the Diwali sale 2026 shows:

• Air conditioners: Select air conditioners from Sharp, Voltas, and Bluestar are listed at 40% to 60% off MRP, which helps you plan for next summer at a lower price.
• Refrigerators: Godrej, LG, and Whirlpool models are listed at 33% to 43% off MRP, from small single-door models to 600-litre side-by-side models.
• Washing machines: Voltas Beko, Bosch, and LG models are listed at up to 55% off MRP, making it easier to replace an old machine.
• Smartphones: Redmi, OPPO, and Google phones carry discounts of up to 49% off MRP. You can also browse mobile phone offers at Vijay Sales on Samsung Galaxy phones, OnePlus, and realme models.
• Laptops: New and open-box laptops from Samsung, Dell, and HP are listed at up to 24% off MRP, which suits students and people working from home.
• Smart TVs: Large-screen TVs, such as Samsung 65-inch models, are among the best sellers for Diwali movie nights.
• Audio: Earbuds, headphones, and soundbars from boAt, Sony, and JBL are listed at up to 80% off MRP. Many cost less than Rs. 5,000, so combine a few with a bigger purchase to bring your bill above Rs. 5,000 and pay on Easy EMIs.
• Kitchen and home appliances: Dishwashers, microwaves, and geysers are listed at 20% to 50% off MRP, which helps with festive cooking and cold winter mornings.

A little planning helps you save more than the offer price alone. Keep these tips in mind:

• Use your MyVS points: You earn 0.75% of each bill as loyalty points, with each point worth Re. 1, so a Rs. 40,000 bill earns 300 points.
• Look for extra coupons: Some products carry coupons on top of the discount, such as Rs. 1,000 off select Voltas ACs.
• Buy off-season: ACs often cost less in October and January than in April, when demand peaks.
• Check the energy rating: A 5 Star appliance costs a little more at first, but it lowers your electricity bill every month.
• Ask about installation and warranty: Confirm whether installation is free and how long the warranty lasts before you pay.
• Plan your payment: You can pay the full amount, or you can pay in monthly instalments with the Insta EMI Card to manage the expense.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It is issued to existing Bajaj Finance customers with a good repayment record and to new applicants who pass KYC and eligibility checks. Here is what the card offers:

• A card loan offer of up to Rs. 6 lakh, enough to cover an AC and a refrigerator in the same sale.
• A repayment tenure across 3 to 60 months, so you can pick a monthly amount that suits you.
• A card you can use at Vijay Sales and over 1.5 lakh partner stores across more than 4,000 cities, and on Amazon and Flipkart.
• A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.

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 electronics and appliances easily and affordably.

*Inclusive of applicable taxes.

Festive shopping adds up quickly, from gifts and sweets to new appliances. Easy EMIs help you buy at offer prices without one big payment. Here is how they help:

• A family-size washing machine: At Rs. 20,490, the LG 8 kg 5 Star top load comes to about Rs. 1,708 a month over 12 months*.
• A first washing machine for a small home: At Rs. 13,500, the Voltas Beko 6.5 kg top load comes to about Rs. 1,125 a month over 12 months*.
• An AC ready for summer: ACs started from Rs. 24,390 in the Republic Day Sale 2026, which comes to about Rs. 2,033 a month over 12 months*.
• Nothing to pay upfront on select products: Zero down payment is available on select products and during festive season offers.
• No credit card needed: You confirm each purchase with an OTP sent to your registered mobile number.

*EMIs are indicative.

→ Verdict: Vijay Sales offers are at their best during the Diwali sale, with more chances in January, July, and August. Shortlist early, compare offers, and use the Insta EMI Card to pay in monthly instalments.

You can apply for the Bajaj Finance Insta EMI Card online, with no physical paperwork. Follow these steps:

1. Enter your 10-digit mobile number and click on ‘CHECK OFFER’ 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 on ‘CONTINUE’.
5. Check your pre-qualified card loan offer amount and click on ‘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

Using the Bajaj Finance Insta EMI Card at a Vijay Sales partner store takes only a few minutes. Follow these steps:

1. Browse and select the product you want to buy.
2. At checkout, ask the partner store executive to process payment using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate using the OTP sent to your registered mobile number.
6. Your purchase is approved. Take your product home.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better.

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

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