Get a pre-approved card loan offer of up to Rs. 3 lakh
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The Bajaj Finance Insta EMI Card charges a one-time joining fee of Rs. 530, inclusive of applicable taxes. Additional charges, such as late payment and bounce charges, may apply when you use the card to avail of loans.
Here is what you should know before you apply:
Check your Insta EMI Card eligibility using your mobile number and OTP, and start shopping for your preferred products the same day.
The Bajaj Finance Insta EMI Card charges include various fees such as late payment charges, bounce charges, and penal fees for delayed instalments. The card offers flexible payment options, letting you convert purchases into 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.
The table below summarises the primary fee applicable to the Insta EMI Card. Additional fees and charges may apply when you use the card to avail of loans, so it is worth reviewing your specific terms before you shop.
| Type of fee | Applicable charges |
| Insta EMI Card fee | Rs. 530 (inclusive of applicable taxes) |
Disclaimer: Additional fees and charges will apply when utilising the Insta EMI Card to avail of loans. For the latest and most accurate fee details, check your specific card terms on the Bajaj Finance app or website.
The Bajaj Finance Insta EMI Card offers several practical benefits that make everyday shopping more manageable. The table below breaks down the key features.
| Feature | Details |
| Easy EMIs | Split the cost of your purchase into monthly instalments across 3 to 60 months |
| High pre-qualified limit | Get a card loan offer of up to Rs. 3 lakh to buy multiple products without upfront stress |
| Wide acceptance network | Accepted at 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 |
| Credit score benefit | Timely EMI payments may help strengthen your credit profile over time |
Disclaimer: Terms, offers, and benefits may vary based on your eligibility and the specific product you purchase.
Also read: Features and benefits of the Bajaj Finance Insta EMI Card
Applying for the Insta EMI Card is a fully digital process that takes only a few minutes. Follow these steps to get started:
Note: The online process may differ depending on whether you are a new customer or already have a relationship with Bajaj Finance.
Also read: How to apply for the Insta EMI Card
Once your card is active, you can use it at a partner store or online. The steps differ slightly depending on where you shop.
At a partner store
Using the Bajaj Finance Insta EMI Card at any of 1.5 lakh partner stores is quick and straightforward. The checkout process typically takes under 5 minutes. Follow these steps:
For online purchases
You can also use the Bajaj Finance Insta EMI Card on partner e-commerce platforms including Amazon and Flipkart. Here is how:
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.
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.
Also read: Eligibility criteria for the Insta EMI Card
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| EMI full form | BNPL | POS full form |
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The joining fee for the Bajaj Finance Insta EMI Card is Rs. 530, inclusive of applicable taxes, and is paid once at the time of activation. Check your Insta EMI Card eligibility using your mobile number and OTP to see your pre-qualified offer before you apply.
Yes, additional charges such as late payment charges, bounce charges, and penal fees for delayed instalments may apply when you use the card to avail of loans. It is worth reviewing your specific card terms and conditions to understand the full fee structure before you shop.
The Bajaj Finance Insta EMI Card has zero annual fee from the second year onwards. You only pay the one-time joining fee of Rs. 530 when you first activate your card, with no recurring annual charge after that.
Yes, you can use the Bajaj Finance Insta EMI Card to shop on online partner platforms such as Amazon and Flipkart. Simply add your product to the cart, select the Insta EMI Card as your payment method at checkout, choose your repayment tenure, and confirm with an OTP.
You need your PAN card, Aadhaar card for KYC verification, and a registered mobile number. The entire process is digital, so you do not need to submit any physical documents. Applicants between the ages of 21 years and 65 years years with a regular income and a good credit score are eligible to apply.
Yes, the Bajaj Finance Insta EMI Card offers a repayment tenure across 3 to 60 months, so you can select an option that fits your monthly budget. You can choose this tenure at checkout, whether you are shopping at a partner store or online.
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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.
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