✓ 1 Mn+ products on EMI ✓ Loan limit of up to ₹3 Lakhs | Get the EMI Card today! APPLY NOW

With a pre-approved limit of ₹3 Lakhs, the Bajaj Finserv EMI Network Card enables you to enhance your purchasing power. You can buy products across categories and convert the cost into affordable monthly instalments spread over a tenor of up to 60 months.


With the no-cost EMI facility, you can pay comfortably and avoid hefty interest. You can apply online on Bajaj Markets with minimal formalities and enjoy the benefits of the card.

Features and Benefits of the Bajaj Finserv EMI Network Card

With this card, you can enjoy financial flexibility and convenience. In addition to these, you can enjoy the following advantages with this EMI card:

High Loan Limit

You can make big-ticket purchases comfortably with a limit of up to ₹3 Lakhs

Flexible Tenor

You can repay the borrowed sum conveniently over a tenor of up to 60 months

Everything on EMI

From electronics, furniture, appliances to groceries, flight bookings, and much more, you can buy from a range of 1 million+ products on EMI

Expansive Network

Shop at over 1.5 lakh partner stores spread across 4,000+ cities in India 

No Foreclosure Charges

Enjoy zero prepayment fees if you repay the loan before the end of the tenor after paying your first EMI 

Minimal to Zero Down Payment

Depending on the product and eligibility, you can make zero or minimal upfront payment and can convert the remaining amount into EMIs

Eligibility Criteria and Documents Required

Before you apply for the EMI card, understand the prerequisites for a seamless and quick application. To qualify, you need to 

  • Be an Indian resident between the ages of 21 and 65 years

  • Have a good credit score and a regular income 


If you meet the above criteria, keep the following documents ready before you apply for the Bajaj Finserv EMI Network Card, in case required:

  • PAN card

  • Aadhaar card

  • Address proof

  • Bank account number and IFSC details

How to Apply for the Bajaj Finserv EMI Network Card

With its pre-approved limit, you can conveniently buy your favourite product, book a getaway, and more. Here are steps to apply for the Bajaj Finserv EMI Network Card online on Bajaj Markets:

  1. Click on the ‘APPLY NOW’ button on this page 

  2. Enter your mobile number and verify it with an OTP on the new page

  3. Fill in the application form and verify KYC once you know the limit

  4. Pay a one-time joining fee of ₹599 

  5. Activate the card by completing the e-mandate process 

How to Buy Your Favourite Products Using the EMI Network Card

You can use the card at any of the partner stores located across the country and purchase the product in affordable instalments. Here is how:

  1. Visit your preferred partner store

  2. Select the product you wish to buy 

  3. Choose the card as your payment option

  4. Select a preferred repayment tenor

  5. Share your card details with the store executive

  6. Provide the OTP sent on the registered number to complete the transaction

Fees of the Bajaj Finserv Insta EMI Card

Before you apply for this financial product, understand the associated costs. Check the details in the table below:

Types of Charges

Charge Details

Card Fee

₹530 (inclusive of taxes)

Add-on Card Fee

₹199 (inclusive of taxes)

EMI Card Annual Fee

₹117 (inclusive of taxes) applicable only if you do not take a loan on the Bajaj Finserv EMI Network Card in the preceding year
(Preceding year's duration is calculated 12 months from last year's validity month printed on the Bajaj Finserv EMI Network Card)

Online Convenience Fee

₹69 (Inclusive of applicable taxes) for customers who get the EMI Card exclusively through digital mode

Loan Limit Enhancement Fee

₹117 (inclusive of applicable taxes) 

Processing Fee

Up to ₹5,000 (inclusive of taxes) collected upfront

Disclaimer: The charges mentioned above may change at the issuer’s discretion.

Frequently Asked Questions

What are the fees and charges associated with the Bajaj Finserv EMI Network Card?

When you apply for the Bajaj Finserv EMI Network Card, you’ll be required to make a one-time, joining fee payment of ₹599, which includes the online convenience fee. Apart from this, you won’t have to pay anything as annual or recurring fees. This is given that you make at least one purchase using your card. In case your card is inactive for more than a year, you’ll need to make a payment of ₹117 + taxes as an activation fee. 

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card is a simple, convenient, and affordable financing solution for all your shopping needs. This card comes with a pre-approved loan amount of ₹3 Lakhs that can be used to purchase over a million products on No Cost EMIs. 

What are the EMI plans for using a Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card offers flexible repayment tenor options up to 60 months.

How can I contact Bajaj Finserv’s customer care?

You can call Bajaj Finserv’s customer care helpline in case of any queries. You can reach them at +91-8698010101. 

How can I pay for my health insurance in EMIs?

To pay your health insurance in EMIs, you would need to select your desired medical plan. Then, proceed with premium payment in easy instalments using your Bajaj Finserv EMI Network Card. The Bajaj Finserv Digital Health EMI Network Card is also a great option to get EMI benefits for more than 800 treatments in 1,000+ cities.

Can I buy home appliances using the Bajaj Finserv EMI Network Card?

Yes, you can use the Bajaj Finserv EMI Network Card to buy any home appliance like a washing machine, air conditioner, refrigerator, water purifier, microwave oven, etc. Simply select the home appliance of your choice and pay via easy monthly instalments.

How can I validate myself with OKYC and CKYC to instantly activate my Bajaj Finserv EMI Network Card?

To activate your Bajaj Finserv EMI Network Card with OKYC, you must enter your Aadhaar number and validate it with the OTP received on your Aadhaar-linked mobile number. In the case of CKYC, you can simply validate by entering your PAN and date of birth or 10-digit mobile number.

What is the interest rate on the products purchased from Bajaj Finserv EMI Network?

While buying products on EMI Network with the Bajaj Finserv EMI Network Card, you practically pay zero interest charges. For most of the products, a monthly instalment option is available without any extra cost. However, on select items, you may have to pay a nominal processing fee or a small down payment.

What is the minimum amount of purchase I can make using the Bajaj Finserv EMI Network Card?

There is no minimum threshold for purchasing products with your Bajaj Finserv EMI Network Card. You can seamlessly shop for any of your favourite items and conveniently pay via monthly instalments.

Can I use my Bajaj Finserv EMI Network Card at offline stores?

Yes, you can visit the Bajaj Finserv offline partner stores and buy products on EMI using the EMI card.

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