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While the Insta EMI Card offers a high pre-qualified limit for shopping, it does not support cash withdrawals. Learn how the card works and how to use your limit effectively for EMI purchases.
Last updated on: January 07, 2026
The Bajaj Finserv Insta EMI Card is designed to simplify your shopping experience by converting your purchases into manageable monthly instalments. It serves as a powerful tool for managing high-value expenses without straining your monthly budget.
If you are a new cardholder, you may be looking for ways to access this limit as liquid cash. Understanding the specific nature of this digital tool is key to using it effectively.
This card is an advantageous tool that can aid you in managing your finances. It comes with a significant pre-approved loan limit of up to ₹3 Lakhs. While it is a common misconception, you cannot withdraw cash via this card.
You also cannot transfer funds from this card to your bank account. You cannot utilise it for any purpose except to purchase products on EMIs. To add funds to your wallet, you need to use payment methods like the following:
Bank transfers
Credit cards
Debit cards
You can use the card at any of the 1.5 lakh partner stores in various cities across the country. It enables you to convert purchases into EMIs spread over a tenure of 60 months. You can choose products from several categories, such as:
Lifestyle
Fitness equipment
Electronics and gadgets
Home appliances
You cannot use the Bajaj Finserv EMI Network Card to withdraw cash at an ATM or anywhere else. The Insta EMI Card is not a debit or credit card. Instead, it is a digital payment facility that helps you buy products and services on easy EMIs.
No, you cannot transfer money from a Bajaj Finserv EMI Network Card to a bank account. You cannot use it for any purpose other than as a digital payment tool to purchase products on EMIs.
The card is a digital payment tool to buy products from stores partnered with Bajaj Finserv.
No, cash withdrawal facility is not available on the Bajaj Finserv EMI Network Card. However, you can use it to buy products from partner stores.
No, you cannot add money from your Bajaj Finserv EMI Network Card to your Paytm account.
You cannot withdraw money from a Bajaj Finserv EMI Network Card. As such, there is no processing fee or other cash withdrawal costs.
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