How to Apply Bajaj Finserv EMI Card – Complete Step-by-Step Guide
1. Introduction to Bajaj Finserv EMI Card
In today’s world, buying products on EMI has become very common. Many people want to purchase mobiles, laptops, TVs, refrigerators, washing machines, furniture, or even smartphones without paying the full amount at once. The Bajaj Finserv EMI Card, also known as the Insta EMI Card, is one of the most popular EMI solutions in India.
The Bajaj EMI Card allows customers to buy products on No-Cost EMI or Easy EMI from thousands of online and offline partner stores across India. It works like a pre-approved loan card and does not require a traditional credit card.
2. What is Bajaj Finserv EMI Card?
The Bajaj Finserv EMI Card is a reusable digital card issued by Bajaj Finance Limited. It gives you a pre-approved credit limit, which you can use multiple times to buy products on EMI.
Key Highlights:
- Credit limit up to ₹3 lakh (depends on eligibility)
- Usable online and offline
- No credit card required
- Instant approval in many cases
- Flexible EMI tenure (3 to 60 months)
3. Types of Bajaj EMI Cards
Bajaj Finserv mainly offers one major EMI card:
1. Insta EMI Card
- Digital card
- Can be used instantly after activation
- No physical card required
- Linked to your mobile number
4. Benefits of Bajaj Finserv EMI Card
1. Easy EMI Facility
You can convert your purchase into monthly installments instead of paying full amount.
2. No-Cost EMI Options
On selected products, you only pay the product price, not extra interest.
3. High Credit Limit
Depending on your profile, you may get up to ₹3,00,000 limit.
4. Wide Acceptance
Accepted at:
- Amazon
- Flipkart
- Reliance Digital
- Croma
- Vijay Sales
- Local partner stores
5. Reusable Card
Once activated, you can use it again and again.
6. Quick Approval
Many users get approval in 5–10 minutes.
5. Eligibility Criteria for Bajaj EMI Card
- Indian citizen
- Age between 21 to 70 years
- Salaried or self-employed
- Regular income source
- Good credit history (preferred)
6. Documents Required for Bajaj EMI Card
- PAN Card
- Aadhaar Card
- Active mobile number linked with Aadhaar
- Bank account details
- Address proof (usually Aadhaar is enough)
7. Bajaj EMI Card Fees & Charges
Joining Fee:
- Around ₹530 (including GST)
(One-time payment)
EMI Interest:
- Depends on product
- Many products offer No-Cost EMI
8. How to Apply Bajaj Finserv EMI Card Online (Step-by-Step)
1: Visit Official Website or App
- Go to Bajaj Finserv official website
OR - Download Bajaj Finserv App from Play Store
2: Enter Mobile Number
- Enter your 10-digit mobile number
- Verify with OTP
3: Fill Basic Details
- Name
- Date of birth
- Employment type
4: Check Pre-Approved Limit
- System shows your eligible credit limit
5: Complete KYC
- Aadhaar OTP verification
- PAN verification
6: Pay Joining Fee
- Pay approx ₹530 online
Step 7: Set Up Bank Mandate
- EMI auto-debit setup from bank account
Step 8: Card Activation
- Digital EMI Card gets activated instantly
9. How to Use Bajaj EMI Card Online
Example: Buying from Amazon or Flipkart
- Add product to cart
- Choose Bajaj Finserv EMI at checkout
- Enter registered mobile number
- Verify OTP
- Select EMI tenure
- Order confirmed
10. EMI Tenure Options
You can choose EMI tenure such as:
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
11. Conclusion
The Bajaj Finserv EMI Card is one of the best EMI solutions in India for people who want to buy products without a credit card. With easy eligibility, quick approval, and flexible EMIs, it is suitable for salaried individuals, business owners, and even first-time EMI users.
If used responsibly, it helps manage finances smartly and improves credit history.
