Frequently Asked Questions

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Q1. What is the Bajaj Finserv Insta EMI Card?

A1.

The Bajaj Finserv Insta EMI Card is a payment instrument that lets you convert all your purchases into No Cost EMIs. The Insta EMI Card involves a 100% online application process and is activated instantly for you.

Q2. What is the eligibility age to apply for a Bajaj Finserv Insta EMI Card?

A2.

If you are between 21 and 65 years of age, you can apply for Bajaj Finserv Insta EMI Card.

Q3. What documents do I need to submit to get an Insta EMI Card?

A3.

No documents are needed to get your Insta EMI Card. All you need to do is, keep the following details ready: 1.PAN Card 2. Aadhaar number for KYC confirmation 3.Bank a/c number and IFSC code for e-mandate registration

Q4. How do I register my e-mandate?

A4.

To register your e-mandate, you need to: 1.Share your bank account and IFSC code 2.Verify all the details entered by you 3.Submit OTP for validation purposes

Q5. What are the benefits of e-mandate registration?

A5.

1. Never miss on your EMI payments with the auto-debit feature -2.Manage your loans in an efficient manner -3.Not be required to submit documents at the time of purchase

Q6. How do I use the Bajaj Finserv Insta EMI Card?

A6.

Just like the EMI Network Card, you can shop using the Insta EMI Card at any of our online and offline partner stores on No Cost EMIs. All you need to do is provide your card details and verify your purchase with an OTP sent to your registered mobile number.

Q7. When will I receive my Insta EMI Card?

A7.

The Insta EMI Card is a digital card, that gets activated online instantly. Therefore, you will not receive a physical card; simply access it on the Bajaj Finserv app.

Q8. Where can I view my Insta EMI Card details?

A8.

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

Q9. How do I view my Insta EMI Card details on the Bajaj Finserv app?

A9.

Follow the below mentioned steps: 1.Download the app 2.Enter your registered mobile number 3.Submit the OTP sent to your mobile number 4.Click on 'KNOW MORE' 5.Enter your date of birth 6.View your Insta EMI Card

Q10. Why do I need the Bajaj Finserv app for my Insta EMI Card?

A10.

With the Bajaj Finserv app, you can: 1.Access your Insta EMI Card and all related details 2.Avail offers

Q11. How do I apply for the EMI Card?

A11.

To apply for EMI card Click here or SMS EMICARD to 56070.

Q12. How can I increase my credit limit?

A12.

Please contact bajaj customer service at 020-29575151 or visit our nearest branch for the same.

Q13. What is processing fee?

A13.

A nominal amount that customer has to pay for loan processing.

Q14. When will my loan be booked?

A14.

Your loan will be booked within 48 hours of product delivery.

Q15. My order was cancelled by the dealer; however my EMI card eligibility was not re-instated.

A15.

Your EMI Card eligibility will be re-instated in 24 hours, if it is not re-instated, you can raise a request through Bajaj Mall Service customer portal - Raise a request page.

Q16. What all items can I buy on eCom to avail No Cost EMI from Bajaj Finserv

A16.

You can buy all products available on eCom using Bajaj Finserv EMI Network Card.

Q17. What is the minimum amount I need to shop to avail No cost EMI?

A17.

The minimum amount that you need to shop to avail Bajaj Finserv No cost EMI is Rs. 2,799. You can either purchase any product greater than Rs. 2,799 or shop for multiple products for a min value of Rs. 2,799 to avail No cost EMI. All products selected must be applicable for Bajaj Finserv No cost EMI to avail this offer. You can check the availability in the offers section on the product detail page.

Q18. Can my loan application get rejected? What do I do in that case?

A18.

Approval/rejection of financing is solely at discretion of Bajaj Finance Limited. In the event of your loan application getting rejected, you would need to place a fresh order with a different payment type – COD or Pr

Q19. Where would I get to know the reason for my loan getting rejected?

A19.

Please call Bajaj Finserv on 8698010101(Toll number- Charges are applicable). You could also reach us at https://www.bajajfinserv.in/reach-us

Q20. Would I have to make any down payment?

A20.

No, you do not have to make any down payment and the entire amount is converted to EMI provided all the products are applicable for Bajaj Finserv no cost EMI. The schemes are being reviewed on a regular basis and may/are subject to change without any prior notice.

Q21. Can someone else use my Bajaj Finserv EMI Network Card on my behalf?

A21.

For safety and security reasons, we recommend that only the card holder uses the Bajaj Finserv EMI Network Card for making purchases. The liability of the loan taken using the Bajaj Finserv EMI Network Card rests solely with the card holder.

Q22. How do I change my mobile number, email or address given while of opting for the EMI Card?

A22.

You can login to your customer portal – Experia and make necessary changes in the profile section. Alternatively, you can reach us at https://www.bajajfinserv.in/reach-us or call us 8698010101 (Toll number- call charges applicable) for updating contact information.

Q23. When will I get the refund of my EMI in case I cancel the loan?

A23.

Post cancellation of the transaction and confirmation from eCom, the amount would reflect in your registered account number in the next 2-3 working days. Loans cancelled between 26th – 10th of the month would be processed only after the 11th of the next month.

Q24. Where can I make the payment if I have missed my payment date?

A24.

You can make an online payment by logging in to your customer portal – Experia or on Bajaj Finserv website – www.bajajfinserv.in. An option is available for making payments for your EMI as well as making payment towards the overdue charges. Alternatively, you could also visit the nearest Bajaj Finserv branch for making the payment. The details of the branches near you could be discovered through the option of “Visit our branch” under the “Reach Us” section on the Bajaj Finserv website.

Q25. Can I make a payment in advance for my EMI?

A25.

You can make an advance EMI payment online by visiting the nearest BFL branch for making the payment. The details of the branches near you could be discovered through the option of “Locate Us” under the “Reach Us” section on the website. The state and city details can be entered there to get the address of your nearest branch. Alternatively, you can foreclose the loan by logging on to our website through Experia ID and password. Any advance EMI payment needs to be made on or before 23rd of the month. Payments received post the 23rd of the month would not impact the next EMI. The next EMI would get deducted from the customer’s registered account & will be refunded in bank account in next 15 days post receiving EMI.

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