Bajaj Finance Insta EMI Card Fees and Charges
Know the Bajaj Finance Insta EMI Card charges and enjoy shopping for 1 million+ products on Easy EMIs!
The Bajaj Finance Insta EMI Card Charges include various fees such as late payment charges, bounce charges, and penal fees for delayed instalments. The Bajaj Insta EMI Card offers flexible payment options, allowing you to convert purchases into affordable Easy EMIs. To make informed decisions, review the specific terms and conditions applicable to your card and understand the fee structure to avoid any unexpected costs.
Insta EMI Card fees and charges at a glance
The Insta EMI Card lets you make big purchases with easy EMIs. However, certain Bajaj Finance Insta EMI Card Charges apply, such as:
Type of fee | Applicable charges |
EMI Network Card fee | Rs. 530/- (inclusive of applicable taxes) |
*Additional fees and charges will apply when utilising the EMI Network Card to avail of loans. | |
Features and 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. |
Step-by-step guide to applying for the Bajaj Finance Insta EMI Card
- Enter your 10-digit mobile number and click on “GET IT NOW” on the top of the page.
- Enter the OTP and submit.
- Enter your full name and click on “Yes, Auto-Fetch Details”
- Verify your pre-filled personal details. Select your gender and employment type and click on “PROCEED”
- Click on proceed and check your pre-qualified card loan offer amount
- Click on Proceed to verify your KYC details.
- Post successful KYC, check your card loan offer amount details.
- Select and apply a promo code of your choice and pay a one-time joining fee of Rs. 530/-
- After successful payment, view your card details on the Bajaj Finance app
Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.
Disclaimer
1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.
2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000
Frequently asked questions
Insta EMI Card is offered by Bajaj Finance Ltd, which requires creation/activation of Bajaj Pay Wallet in the journey for receiving cashbacks.
To get the Insta EMI Card, you only have to pay a one-time joining fee of Rs. 530.
The Bajaj Finserv Insta EMI Card can be yours by paying Rs. 530 (inclusive of applicable taxes).
There is no minimum salary requirement to apply for the Insta EMI Card. All you need is a regular source of income and a good Credit Score to be eligible.
A nominal processing fee will be charged based on the amount of your transaction. For more details, please check our fees and charges page.
To calculate the 12-month EMI on the Bajaj Finserv Insta EMI Card, divide the total purchase amount by 12. Purchases made with the Insta EMI Card come with Easy EMI, resulting in fixed monthly instalments throughout the tenure.
The card charges only include a one-time joining fee of ₹530 (inclusive of applicable taxes). There is no annual or renewal fee charged for the Insta EMI Card.
Delay in payment of instalment(s) shall attract penal charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Bounce charges apply if a payment is rejected, typically due to insufficient funds.
Extra charges may be levied for late payments, bounced transactions, or other specific services.
Failure to pay EMI on time incurs late payment charges and may affect credit scores.
Yes, the one-time joining fee of Rs. 530 for the Bajaj Finserv Insta EMI Card is inclusive of GST and all applicable taxes.
There are no hidden charges, but late payment, bounce, processing, and convenience fees may apply depending on usage and service.
Yes, late payment fees apply for overdue EMIs, while bounce charges are levied for rejected payments due to insufficient funds.
The joining fee paid for the Insta EMI Card is non-refundable, per official Bajaj Finserv guidelines.
You can check your Insta EMI Card joining fee payment status by logging in to your account on our official website or mobile app. Navigate to your payment history or transaction details section to confirm whether your joining fee payment has been successfully processed and reflected in your account.
Yes, you can pay your Insta EMI Card EMI before the due date. Making advance EMI payments helps you reduce your outstanding principal faster, which in turn lowers the overall interest you owe. Log in to your account on our official website or mobile app to make an advance payment at your convenience.
No, Insta EMI Card charges may vary depending on the product, partner store, and repayment tenure you select. Processing fees and interest rates can differ across product categories and purchase values. We recommend reviewing the applicable charges at the time of purchase before confirming your transaction at the partner store.
The simplest way to avoid late payment charges on your Insta EMI Card is to set up auto-debit for your EMI payments. This ensures your payments go through automatically on the due date every month. You can also log in to your account and make manual payments before the due date to stay on track.
Yes, foreclosure fees may apply if you choose to close your Insta EMI Card loan ahead of schedule. The exact charge depends on your loan agreement and the outstanding principal at the time of foreclosure. We recommend reviewing your loan terms or contacting our customer support team for detailed information before proceeding.
Yes, you can use your Insta EMI Card for multiple purchases simultaneously, as long as your available card loan offer covers the total value of your transactions. Each purchase carries its own repayment schedule and EMI structure. You can track all active EMIs conveniently through your account on our official website or mobile app.
