Zero Down Payment with the Insta EMI Card

Get a card loan offer of up to Rs. 6 lakh

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In summary

What is the Bajaj Finance Insta EMI Card?

Zero down payment means you pay Rs. 0 when you buy, and the full price is converted into EMIs. With the Bajaj Finance Insta EMI Card, it is available on select products and during festive season offers.

Example: A Rs. 30,000 phone with zero down payment costs about Rs. 2,500 a month over 12 months, with nothing paid at the counter.
Minimum bill: Your bill must be above Rs. 5,000 to use Easy EMIs.
Where to use it: On Amazon, on Flipkart and at over 1.5 lakh partner stores.
Card loan offer: Up to Rs. 6 lakh, with a one-time joining fee of Rs. 530.

Zero down payment helps you buy what you need now, while your savings stay untouched for emergencies and other goals.

What is zero down payment?

A down payment is the part of the price you pay upfront when you buy something on EMI. With zero down payment, you pay nothing upfront, so the full price is spread across your EMIs. You walk into a partner store, choose a product and take it home without paying anything at the counter.

The table below shows how a 0 down payment purchase compares with a regular down payment on a Rs. 30,000 phone over 12 months:

Parameter	With a 20% down payment	With zero down payment
Amount paid upfront	Rs. 6,000	Rs. 0
Amount converted into EMIs	Rs. 24,000	Rs. 30,000
Indicative EMI over 12 months	Rs. 2,000	Rs. 2,500
Best for	Buyers with spare savings	Buyers who want to keep their cash free

Disclaimer: Figures are indicative and are calculated by dividing the amount by the tenure. Actual EMIs may differ based on the offer, applicable interest and charges.

With the Bajaj Finance Insta EMI Card, zero down payment financing is available on select products and during festive season offers. Check your Insta EMI Card eligibility using your mobile number and OTP to see your card loan offer before you shop.

What are the benefits of zero down payment?

Zero down payment makes big purchases easier, especially when you need something urgently. Here are the main benefits and how each one helps you:

Buy when you need it: Replace a broken refrigerator or phone right away, instead of waiting until you save the full amount.
Keep your savings safe: Your emergency fund stays untouched for medical bills, school fees or repairs.
Grab festive deals on time: Buy during Diwali or other sales, even if your salary has not arrived yet.
Upgrade without a big upfront cost: Choose a better laptop or a bigger refrigerator, and pay for it in fixed monthly amounts.
Plan with fixed EMIs: You know exactly what you pay each month, which keeps budgeting simple.
Useful for big household buys: Buying an air conditioner before summer becomes easier when you pay nothing upfront.

→ Key takeaway: Zero down payment does not reduce the price. It changes when you pay, so you can buy now and spread the full amount across your EMIs.

What is a Bajaj Finance Insta EMI Card and how does it work?

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you buy products on Easy EMIs. It is not a credit card. You choose a product, select the Bajaj Finance Easy EMI option, pick a tenure and confirm with an OTP. On select products and during festive season offers, you can do all this with zero down payment.

The card suits planned purchases, such as a new phone, a laptop or a home appliance. Here are its key features:

A pre-qualified card loan offer of up to Rs. 6 lakh.
A repayment tenure you choose across 3 to 60 months.
A card you can use on Amazon and Flipkart, and at over 1.5 lakh partner stores across more than 4,000 cities.
A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.
A zero down payment facility on select products and during festive season offers.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If you are eligible, you can apply instantly and start shopping for your preferred phone, laptop or appliance easily and affordably.

*Inclusive of applicable taxes.

Zero down payment depends on the product and the offer running when you buy. Follow these steps to check for it and use it at a partner store:

Choose your product at a partner store, such as Croma, Reliance Digital or Vijay Sales.
Ask the store executive whether a zero down payment offer is available on that product.
Ask the executive to process the payment through the Bajaj Finance Insta EMI Card.
Share your registered mobile number and card details.
Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
Authenticate using the OTP sent to your registered mobile number, and take your product home.

When you shop online on Amazon or Flipkart, check the payment page for the Bajaj Finance Easy EMI option. It shows whether you need to make a down payment on your chosen product.

→ Real-world example: Pooja, a 30-year-old teacher in Jaipur, needed a new phone during a Diwali sale. She bought a Rs. 30,000 phone at a partner store with zero down payment, chose 36 months and pays about Rs. 833 a month*, with nothing paid upfront.

*EMIs are indicative.

Pooja could have chosen a different tenure. The table below shows how her Rs. 30,000 phone works out across repayment tenures:

Tenure	Indicative monthly EMI	Suited for
3 months	Rs. 10,000	Buyers expecting a bonus soon
6 months	Rs. 5,000	Buyers who want to finish within half a year
12 months	Rs. 2,500	Buyers who want to be debt-free within a year
18 months	Rs. 1,667	Earners managing rent and other bills
24 months	Rs. 1,250	Buyers who want a steady, moderate EMI
36 months	Rs. 833	Buyers who want a Rs. 30,000 phone with nothing upfront for about Rs. 28 a day

Disclaimer: EMIs are indicative and are calculated by dividing the product price by the tenure. Actual EMIs may differ based on the offer, applicable interest and charges.

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

How can you apply for the Insta EMI Card?

You can apply for the Bajaj Finance Insta EMI Card online with your PAN, Aadhaar and registered mobile number. Follow these steps:

Enter your 10-digit mobile number and click on ‘GET IT NOW’ on the Insta EMI Card page.
Enter the OTP and submit.
Enter your full name and click on ‘Yes, Auto-Fetch Details’.
Verify your pre-filled personal details and click ‘CONTINUE’.
Check your pre-qualified card loan offer amount and click ‘CONTINUE’.
Review your wallet setup details and verify the OTP.
Complete identity verification by confirming your current residential address.
Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
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

Benefits of using the Insta EMI Card

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.

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. 6 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.
Credit score benefit	Timely EMI payments may help strengthen your credit profile and financial health.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

What is the eligibility criteria for the 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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Frequently asked questions

Understanding zero down payment

Products you can buy

Buying with zero down payment

What is zero down payment?

Zero down payment means you pay nothing upfront when you buy a product on EMI. The full price is split into monthly payments instead. For example, a Rs. 30,000 phone costs about Rs. 2,500 a month over 12 months, with Rs. 0 paid at the counter. Check your Insta EMI Card eligibility to see your card loan offer.

What is zero down payment with the Insta EMI Card?

With the Bajaj Finance Insta EMI Card, zero down payment lets you buy select products without paying anything upfront. It is available on select products and during festive season offers. You repay the full amount over 3 to 60 months. You pay a one-time joining fee of Rs. 530 when you activate the card.

Is zero down payment available on all products?

No. Zero down payment with the Insta EMI Card is available only on select products and during festive season offers. Whether it applies depends on the product, the seller and the offer running when you buy. Ask the partner store executive, or check the EMI options on the payment page, before you place your order.

Can I buy a phone with zero down payment?

Yes, if a zero down payment offer is available on that phone when you buy. Phones are among the products often included in festive offers at partner stores such as Croma and Vijay Sales. With zero down payment, a Rs. 30,000 phone costs about Rs. 833 a month over 36 months, with nothing paid upfront.

Can I buy a laptop or phone on zero down payment EMI without a credit card?

Yes. The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. You can use it to buy a laptop or phone on Easy EMIs. Where a zero down payment offer is available, you pay nothing upfront. You get a card loan offer of up to Rs. 6 lakh and can repay over 3 to 60 months.

What products can I buy with zero down payment?

Zero down payment offers usually cover selected electronics and appliances, such as phones, laptops, TVs, refrigerators and air conditioners. The exact list changes with each offer, especially during festive seasons such as Diwali. Your bill must also be above Rs. 5,000 to pay in Easy EMIs. Ask the partner store or check the EMI options at checkout.

Can I use the Insta EMI Card for zero down payment during online shopping?

Yes, on eligible products. When you shop on Amazon or Flipkart, select the Bajaj Finance Easy EMI option at checkout. The payment page shows the tenure options and whether any down payment applies. If a zero down payment offer is available, you can place your order without paying upfront and repay over 3 to 60 months.

How can I buy products on EMI with zero down payment in India?

First, get the Bajaj Finance Insta EMI Card with your PAN, Aadhaar and registered mobile number. Then choose a product with a zero down payment offer on Amazon, on Flipkart or at a partner store. Pay with your card, pick a tenure and confirm with an OTP. Check your Insta EMI Card eligibility to get started.

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Bajaj Finance app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance App to:

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
Invest in fixed deposits and mutual funds on the app.
Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
Shop from over 100+ brand partners that offer a diverse range of products and services.
Use specialised tools like EMI calculators, SIP Calculators
Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.

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.

Zero Down Payment: Meaning, Benefits, and How to Shop with the Insta EMI Card

In summary

What is zero down payment?

EMI from ₹888*