Insta EMI Card

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The Bajaj Finserv Insta EMI Card is a digital EMI Card that lets you shop for 1 million+ products on No Cost EMIs. With the Insta EMI Card, you get a pre-approved loan limit of up to Rs. 3 lakh available for purchases on all leading online stores and retail stores across 4,000+ cities. Use the digital card to convert your small and big purchases into EMIs and repay over 60 months.

Insta EMI Card 100% digital process | Approval in 30 seconds | 4-step process

Shop for 1 million+ products on No Cost EMIs

Smart phone

Smart phones

Smart TV

Refrigerator

Air Conditioner

Mattress

Laptop

Washing Machine

Smartwatch

Smart watch

Speaker

Fitness Equipment

Cycles

Shop across all leading brands

Amazon

Flipkart

Vijay Sales

Croma

Reliance Digital

MakeMyTrip

IRCTC

Home Town

Why get the Insta EMI Card

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100% digital process

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Instant Card Activation

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1 million+ products

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4,000+ locations

Features and benefits

Accepted at 1.5 lakh+ stores The card is accepted across 4,000+ large and small cities. Wherever you are, walk into our partner stores and shop on EMIs.
Zero down payment Get zero down payment on a wide range of products from over 1.5 lakh partner stores
Lower-EMI special schemes You can opt for our special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI.
Everything on EMIs Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into No Cost EMIs.
Flexible repayment tenures Convert your purchases into monthly instalments and pay back over 1 to 60 months.
End-to-end digital process The entire application process is online. It takes less than 10 minutes to complete.

Eligibility criteria and documents required for Bajaj Finserv Insta EMI Card

Anyone can get an Insta EMI Card as long as you meet the basic criteria mentioned below. If you meet the criteria, you will need a set of documents to complete your application process.

Eligibility criteria

Nationality: Indian
Age: 21 years to 65 years
Income: You must have a regular source of income
Credit score: As per Bajaj Finance risk policies

PAN Card
Aadhaar Card number for KYC confirmation
Bank account number and IFSC code for e-mandate registration

How to apply for the Insta EMI Card

Step-by-step guide to applying for the Bajaj Finserv 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”
Check your pre-approved offer.
Click on Proceed to verify your KYC details.
Post successful KYC, pay a one-time joining fee of Rs. 599/-.
Click on ‘Activate Now’ and enter your bank account number and IFSC code to complete the e-mandate process.
After successful e-mandate registration, your card is ready to use.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Fees and charges

The following charges are applicable on Insta EMI Card/ EMI Network Card
Type of fee	Applicable charges
EMI Network Card fee	₹530/- (inclusive of applicable taxes)
Online convenience fee	₹69/- (inclusive of applicable taxes) applicable to customers who avail Insta EMI Card exclusively through digital mode.
EMI Network Card loan limit enhancement fee	₹117/- (inclusive of applicable taxes)
EMI Network Card Annual fee	₹117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed of any loan using the EMI Network Card in the preceding year.
Add-on EMI Network Card fee	₹199/- (inclusive of applicable taxes)
*Additional fees and charges will apply when utilising the EMI Network Card to avail of loans.

Frequently asked questions

Will I be able to use my Bajaj Finserv EMI Network Card at offline stores?

Yes. You can walk-in into any of our offline partner stores and get your product financed.

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card, also known as the EMI Network Card, lets you convert your purchases into No Cost EMIs. You can use it to shop for the latest products from our huge network of partner stores across 4,000+ large and small cities.

Where all can I use my Bajaj Finserv Insta EMI Card?

You will be able to use your Bajaj Finserv Insta EMI Card at offline dealer stores near you, as well as on leading e-commerce sites in our partner network.

How can I use the Bajaj Finserv Insta EMI Card?

You can use the Bajaj Finserv Insta EMI Card to shop for electronics, apparel, travel, groceries, home décor, and more. Using the Insta EMI Card is very easy. When you visit a partner/ Ecom store, select the product of your choice, choose your preferred repayment tenure, and provide your Insta EMI Card details during payment checkout; your purchase will be successfully converted into EMIs.

What merchant categories can the EMI Card be used for?

We can use the Insta EMI Card to shop for merchants like Croma, Vijay Sales, Reliance Digital, Home Town, and more. You can also use the Insta EMI Card to shop across our 1.5 lakh+ EMI Network partner stores.

How can I contact the Bajaj Finserv customer care?

You can contact us online via our customer portal ‘My Account’. You can also call us at +91 8698010101 for all your queries.

I am unable to transact with my Insta EMI Card. What could be the issue?

If you are unable to transact using the Insta EMI Card, your card might be blocked. You can check your card status on our customer portal My Account or the Bajaj Finserv app. To check your card status: Sign-in to My Account Check your card status and the reason why your card is blocked

In case your card is not blocked please check if you have completed your e-mandate. If not, you can complete it online through My Account or offline by visiting any of our EMI Network partner stores near you.

How to unblock your Insta EMI Card?

If you have blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.

Sign-in to ‘My Account’ with your registered mobile number and the OTP.
Enter your date of birth for verification and proceed.
Select the card you want to unblock from ‘My Relations’.
Click on the option ‘Unblock Card’ from the ‘Quick Actions’ section.
Verify with an OTP sent to your registered mobile and proceed.

What is the eligibility age for the Bajaj Finserv Insta EMI Card?

You can apply for the Insta EMI Card if you are between 21 years and 65 years of age.

What documents are required to get the Bajaj Finserv Insta EMI Card?

No physical documents are required to get the Bajaj Finserv Insta EMI Card. You just need the following details:

PAN Card details
Aadhaar Card number for KYC confirmation
Bank account number and IFSC code for e-mandate registration

What proofs are required for Insta EMI card?

To apply for a Bajaj Finserv Insta EMI Card, individuals typically need to provide certain documents as part of the application process. These documents may include:

Identity proof: Valid government-issued identification such as an Aadhaar card, PAN card, passport, or driver's license.
Income proof: Proof of income may include salary slips, bank statements, income tax returns, or Form 16, depending on the requirements of Bajaj Finserv.

The specific documents required may vary depending on individual eligibility criteria and the policies of Bajaj Finserv. Individuals should check the official website or contact Bajaj Finserv directly for the most accurate and up-to-date information regarding document requirements for obtaining a Bajaj Finserv Insta EMI Card.

How do I register for my e-mandate?

To register for your e-mandate, you need to:

Share your bank account number and IFSC code
Verify all the details entered by you
Submit OTP for validation purposes

What are the benefits of e-mandate registration?

By registering for your e-mandate, you will:

Never miss on your EMI payments with the auto-debit feature
Manage your loans in an efficient manner.

When will I receive my Insta EMI Card?

The Insta EMI Card is issued digitally and gets activated online quickly. Therefore, you will not receive a physical card; simply access it on the Bajaj Finserv app.

Where can I view my Insta EMI Card details?

You can view your card details on the Bajaj Finserv app.

How do I view my Insta EMI Card details on the Bajaj Finserv app?

If you are viewing your Insta EMI Card details for the first time, follow these simple steps:

Open the Bajaj Finserv app
Enter your mobile number
Enter the OTP sent to your mobile number and tap on ‘SUBMIT’
Enter your ‘Date of Birth’ (DOB) as per your PAN Card then tap on ‘SUBMIT’
Click on the “EMI Card” icon at the top of the page
Next, enter your DOB again and click on ‘Link to Proceed’
Click on ‘VIEW’ under the Card Detail section to see your card details

Why do I need the Bajaj Finserv app for my Insta EMI Card?

With the Bajaj Finserv app, you can:

Access your Insta EMI Card and all related details
Get exclusive offers

What merchant categories can the Insta EMI Card be used for?

You can use the Insta EMI Card to shop from merchants across various other 1.5 lakh + online and offline partner stores like:

What is the use of an Insta EMI Card?

Listed below are some of the uses of the Bajaj Finserv Insta EMI Card:

Shop on EMI Without a Credit Card
The Bajaj Finserv Insta EMI Card offers a pre-approved loan limit, allowing users to effortlessly convert the purchase cost of appliances, gadgets, and more into convenient and tailored instalments. Moreover, eligible products can be purchased via No Cost EMIs, rendering the shopping experience more economical.
Shopping at Partner Stores
The card extends its utility to offline purchases at over 1.5 lakh partner stores situated across 4,000 cities. Whether it is mobiles, laptops, furniture, or other products, shoppers can avail themselves of the benefits of EMI payment options.
Easy Access via Portal
Gone are the days of carrying physical cards everywhere. Access to the Insta EMI card is streamlined through the Bajaj Finserv wallet app or via management functionalities available on the online Bajaj Finserv customer portal.

What proofs are required for Bajaj EMI card?

To apply for a Bajaj Finserv Insta EMI Card, individuals typically need to provide certain documents as part of the application process. These documents may include:

Identity proof: Valid government-issued identification such as an Aadhaar card, PAN card, passport, or driver's license.
Address proof: Documents verifying the residential address, such as an Aadhaar card, utility bills, passport, or rent agreement.
Income proof: Proof of income may include salary slips, bank statements, income tax returns, or Form 16, depending on the requirements of Bajaj Finserv.