Access thousands of retail locations and digital platforms across India to shop for diverse products using a pre-approved limit. Major e-commerce websites and local authorised dealers allow you to convert your total bill into easy instalments. This extensive network covers over 4,000 cities, including metropolitan areas and smaller towns, providing massive geographic reach for your shopping needs. You simply select your preferred store, choose a product, and provide your mobile number at the checkout counter to begin.
The Bajaj Finserv Insta EMI Card acts as your primary digital key to unlock these benefits at more than 1.5 lakh partner stores nationwide.
Accepted product categories
The Insta EMI Card allows you to shop across a diverse range of categories. You can use your pre-approved limit for high-value electronics, home utilities, and even travel-related expenses.
- Home appliances: Purchase the latest energy-efficient air conditioners, refrigerators, washing machines, and water purifiers from top global brands at partner retail stores.
- Latest electronics: Upgrade to premium smartphones, high-performance laptops, tablets, and smartwatches without paying the full amount upfront at the time of purchase.
- Lifestyle and furniture: Buy modern sofa sets, dining tables, and bedroom furniture to enhance your living space using affordable monthly instalments.
- Travel and fitness: Book flight tickets, holiday packages, or professional gym equipment through our integrated network of travel and wellness partners across India.
- Daily essentials: Shop for clothing, groceries, and eyewear at over 1.5 lakh partner stores located in 4,000 cities nationwide.
What is a Bajaj Finserv Insta EMI Card?
The Bajaj Finserv Insta EMI Card is a versatile financial instrument designed to provide seamless access to credit for retail purchases. With a high limit of up to Rs. 3 lakh, it enables users to shop at over 1.5 lakh partner stores located across 4,000+ cities in India. The card is 100% digital, ensuring you can manage your purchases and tenures directly through the Bajaj Finserv app.
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 product easily and affordably.
How to use the Insta EMI Card across different platforms
Access a versatile shopping experience by using your digital credit limit on various online and offline platforms. This seamless integration allows you to convert purchases into Easy EMIs nationwide.
- Shop on e-commerce sites: Select your desired product on partner websites like Amazon or Flipkart and choose the Bajaj Finserv Insta EMI Card as your preferred payment method.
- Select your tenure: Choose a repayment tenure that suits your monthly budget, ranging from 3 to 60 months, before you finalise the transaction on the payment page.
- Enter card details: Input your digital card number and the expiry date precisely as they appear on the Bajaj Finserv app to proceed with your online order.
- Visit offline partner stores: Head to any of the 1.5 lakh+ partner retail outlets like Croma or Reliance Digital and select the electronics or appliances you wish to buy.
- Share registered mobile number: Provide your mobile number and the required OTP to the store representative at the billing counter to complete your purchase using the Insta EMI Card.
Benefits of using the Insta EMI Card
| Feature | Details |
| Easy EMIs | Split the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly. |
| High pre-qualified limit | Get up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress. |
| Wide acceptance network | Accepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms. |
| Flexible repayment tenure | Choose a repayment period from 3 to 60 months based on your financial comfort. |
| Zero down payment offers | Avail deals with no upfront payment requirement on select models. |
| No foreclosure charges | Close your loan early without any penalties or extra fees. |
| Credit score benefit | Timely EMI payments may help strengthen your credit profile and financial health. |
Also read: Features and benefits of the Bajaj Finserv Insta EMI Card
Eligibility criteria for the Insta EMI Card
- Nationality: Indian Citizen.
- Age: 21 years to 65 years.
- Credit score: A healthy credit score per Bajaj Finserv 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 Finserv application after the successful payment.
Also read: How to apply for the Insta EMI Card
Explore more:
| EMI full form | BNPL | POS full form |
