Dreaming of that new laptop, smart TV, or appliance? The Bajaj Finserv Insta EMI Card turns your aspirations into affordable reality. Designed exclusively for existing Bajaj Finserv customers, this card is your key to purchasing what you love now and paying for it with easy, stress-free EMIs.
Enjoy the freedom to shop at a vast network of leading brands—both online and offline—and split your purchases into manageable monthly payments with a tenure that suits your budget, all with zero down payment.
- Features & Benefits: What makes this card special?
- How to Apply: Your digital application guide.
- Is It Right For You? See if it matches your needs.
- Eligibility Criteria: Who can apply?
- Fees & Charges: A clear breakdown of costs.
Key Highlights at a Glance
| Fee Type | Amount |
|---|---|
| One-Time Joining Fee | ₹ 530 |
| Annual Fee | Nil (from the second year onwards) |
| Credit Limit | Up to ₹ 3 Lakh |
| Maximum Tenure | Up to 60 months |
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Features & Benefits: Power Up Your Purchases
The Bajaj Insta EMI Card is engineered for flexibility and convenience. Here’s how it enhances your shopping experience:
- Easy EMI Conversion: Instantly convert large purchases into manageable EMIs with zero down payment. Choose a repayment plan that fits your cash flow, with a flexible tenure of up to 60 months.
- Unmatched Shopping Access: Shop for over 1 million products across 4,000+ cities in India. Your card is welcomed at major partner retailers like Amazon, Flipkart, Croma, Reliance Digital, Vijay Sales, and MakeMyTrip.
- Substantial Spending Power: Get a high credit limit of up to ₹ 3 Lakh to accommodate your significant purchases without a hitch.
- 100% Digital Journey: From a seamless online application process to managing your card via the Bajaj Finserv app—everything is quick, paperless, and convenient.
How to Apply in Just a Few Clicks
Getting your digital Insta EMI Card is simple and completely online. Follow these steps:
- Click ‘Apply Now’: Visit the Bajaj Finserv official website and navigate to the Insta EMI Card page.
- Verify Your Number: Enter your mobile number and authenticate with the OTP you receive.
- Complete Your Profile: Fill in your basic details and proceed to the swift and secure KYC process.
- Get Your Limit: Upon successful KYC, your approved credit limit will be displayed.
- Pay the Joining Fee: Securely pay the one-time fee of ₹ 530.
Your digital card will be issued immediately upon payment confirmation. Access and manage it effortlessly through the Bajaj Finserv app.
Is the Bajaj Insta EMI Card Right For You?
This card is a perfect fit if you:
- Frequently shop for electronics, appliances, or lifestyle products.
- Prefer the flexibility of converting large purchases into long-term EMIs with no initial payment.
- Are an existing Bajaj Finserv customer looking for a dedicated EMI solution.
You might want to consider other options if you:
- Seek rewards, cashback, or air miles on your everyday spending.
- Already have a primary credit card that offers EMI facilities.
- Prefer a card that offers lifestyle benefits like airport lounge access or dining discounts.
For those seeking reward-based spending, entry-level credit cards like the Amazon Pay ICICI Card, SBI SimplyCLICK, or YES Bank might be more suitable.
Eligibility Criteria
To apply for the Bajaj Insta EMI Card, you must be:
- An Indian citizen
- Between 21 to 65 years of age
- Salaried or Self-Employed
Fees & Charges: Transparent and Affordable
We believe in clear communication. Here’s a detailed breakdown of the applicable fees:
| Type of Fee / Charge | Amount |
|---|---|
| Joining Fee | ₹ 530 (one-time) |
| Annual Fee | Nil |
