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Bajaj EMI Card FAQs

Bajaj Finserv EMI Network Card FAQs

1 million+ Products | 84,200+ Partner Stores | Loan limit up to Rs. 1.5 Lakh

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  • EMI Network Card
  • How to Apply
  • Documents & Eligibility
  • Features & Benefits
  • Offers
  • Partner Stores

How can I increase my Bajaj Finserv EMI Network Card Limit?

Your Bajaj Finserv EMI Network Card Limit is subject to change whenever we revise the credit policy. This is a periodic activity, undertaken once every quarter. There are a number of factors which are considered under the credit policy. These include:

  • Your CIBIL score

  • Your income

  • Your place of residence

  • Your employment status

  • Your overall credit performance across other lenders

To know more about the limit assigned to your Bajaj Finserv EMI Network Card and the products you can buy both online and in-store, please visit our customer portal – Experia.

What is the difference between Bajaj Finserv EMI Network Card & Bajaj EMI Network Card?

None, there is no difference between Bajaj EMI Network Card & Bajaj Finserv EMI Network Card.

How can I get my Bajaj Finserv EMI Network card number?

You can find your EMI Card number on wecare@bajajfinserv.in or the Bajaj Finserv Direct App.

Can I apply for Bajaj Finserv EMI Network card online?

If you are already a Bajaj Finserv customer, aged between 21 to 60 and have a regular income, you can apply for Bajaj Finserv EMI Network Card online by simply logging-in on the website, view all the loan related details and apply for the EMI Card.

How can I get Bajaj Finserv EMI Network Card number by SMS?

We’re just a message away. SMS HELP to +91-92275 64444

How can I activate Bajaj Finserv EMI Network card?

After your application is submitted and the documents are verified, your Bajaj Finserv EMI Network Card will be activated.

How can I get Bajaj Finserv EMI Network card CVV number?

You’re not required to have a CVV number in a Bajaj Finserv EMI Network Card.

How can I buy mobile with Bajaj Finserv EMI Network card?

If you are looking for an upgrade to the latest smartphone, choose one without worrying about the cost. Get yourself a shiny new phone packed with the finest features from brands such as Apple, Samsung, HTC, Lenovo, Oppo, Vivo, and more – and pay for it on easy EMIs, at the Bajaj Finserv Partner Stores

Can I buy a bike with my Bajaj Finserv EMI Network card?

No, you cannot buy a bike with a Bajaj Finserv EMI Network Card. 

Can I buy gold with Bajaj Finserv EMI Network card?

As per the RBI guidelines, you cannot buy gold using the Bajaj Finserv EMI Network Card. 

Can we convert Bajaj Finserv EMI Network card to cash?

No, you cannot convert Bajaj Finserv EMI Network Card to cash. 

How can I use Bajaj Finserv EMI Network card?

The Bajaj Finserv EMI Network Card offers enables you to divide the cost of all your purchases into easy EMIs. You can use the Bajaj Finserv EMI Network Card across 84,200+ Bajaj Finserv partner stores present in 1,300+ cities on the Bajaj Finserv EMI Network. You can use the Bajaj Finserv EMI Network Card to shop online for latest electronics such as television, laptops, mobile phones, cameras, etc. as well as top models of home appliances like air conditioners, refrigerators, washing machine, inverters, printers, water purifier, etc. on extremely easy EMIs with your Bajaj Finserv EMI Network Card. Additionally, you can also get the latest fashion, home décor, modular kitchen and a million other products on EMI with your Bajaj Finserv EMI Network Card.

All you’re required to do is walk into a store, select a product you wish to buy, swipe your Bajaj Finserv EMI Network Card and complete your purchase on EMI.

You can also avail the No Cost EMI facility and buy your favourite products at multiple online platforms such as Flipkart, Amazon, Yatra, MakeMyTrip, Bajaj Finserv EMI Store, Vivo online store and more by using your Bajaj Finserv EMI Network Card. 

Can I use Bajaj Finserv EMI Network card as credit card?

A credit card, allows you to buy products on credit, and then the payment comes with extremely high interest charges. Here are some of the ways in which the EMI card differs from a credit cards:

EMI cards come on No Cost EMIs, which means you’re not charged interest on your purchases. You just pay the cost of the product you purchased in instalments, without interest being charged for it. Therefore, you can buy any gadgets, clothes, appliances, and so on quite easily, without burning a hole in your pocket. Credit cards, on the other hand, have high interest rates that are charged on the cost of the product. You must pay a ‘minimum amount due’ every month in order to pay your credit card bills, which is a combination of the money you owe along with the interest. You need to keep paying the bills until you cancel your credit card or stop using it.

What is the Bajaj Finserv EMI Network card customer care number?

If you are looking for information about the Bajaj Finserv EMI Network Card or if you would like to reach out to us, you can:

  • Visit any of our partner stores by using the Store Locator

  • Call us at 020 3957 5152

  • Write to us at wecare@bajajfinserv.in 

What is No Cost EMI?

The No Cost EMI facility from Bajaj Finserv helps you convert your product’s price into interest-free easy EMIs. For example, if you buy Refrigerator worth Rs.60,000 on No Cost EMI for a tenor of 10 months, then you’ll only pay an instalment of Rs.6,000 per month and nothing extra. There are no additional or hidden charges involved. The products that can be purchased range from digital products like smartphones and laptops to consumer durable products like refrigerators, washing machines, televisions and air conditioners which can all be availed on No Cost EMI. 

How to apply for Bajaj Finserv EMI Network Card?

If you already are a Bajaj Finserv customer and are eligible to apply for an EMI Card, i.e. if you’re aged between 21 to 60 and have a regular income, you can check out the Bajaj Finserv EMI Network card apply online process by simply logging-in on our website. 

How to get Bajaj Finserv EMI Network Card Offline?

You can easily apply for a Bajaj Finserv EMI Network Card when you purchase electronics, gadgets, and lifestyle products from our any of our partner stores like Croma, Vijay sales, Sangeetha Mobiles, etc when you purchase on easy EMIs. You can reach out to our in-store representative for assistance. 

How does No Cost EMI work?

'No Cost EMI' lets you purchase items on equated monthly instalments (EMI) at no additional interest rate or down payment at most products. No cost EMI is available on a multitude of products while shopping online as well as offline. With the No Cost EMI facility from Bajaj Finserv, you get to easily divide the price of the product you want to buy into convenient EMIs spread over a tenor of 3, 6, 9, 12, 18, or 24 months with no extras such as interest or even down payment involved. 

How does the Bajaj EMI Network Card work?

The Bajaj Finserv EMI Network Card is a payment system that lets you convert your purchases into affordable EMIs with a swipe. You get a pre-assigned loan on your Bajaj Finserv EMI Network Card of up to Rs. 1.5 lakh.

Here’s how the Bajaj Finserv EMI Card works:

Step 1) You’ll need to visit one of the 84,200+ partner stores that are part of Bajaj Finserv EMI Network.

Step 2) Select your product and swipe your card to pay for your product.

Step 3) Get your product on easy EMIs.

You can use the Bajaj Finserv EMI Network Card to shop for the electronics such as television, laptops, mobile phones, cameras, etc. as well as home appliances like air conditioners, refrigerators, washing machine, inverters, printers, water purifier, and more. Not only this, you can also use you Bajaj Finserv EMI Network Card to shop for trendy home décor, the latest fashion, and a million other products on easy and convenient EMIs.

How to use the Bajaj Finserv EMI Network Card to shop on Flipkart?

Shopping with your Bajaj Finserv EMI Network Card is extremely easy. All you need to do is the following:

  • Visit the partner e-commerce website.

  • Browse and select your product.

  • Choose Bajaj Finserv Flipkart No Cost EMI as your payment method.

  • Select a suitable EMI scheme.

  • Confirm your order with an OTP.

How to use the Bajaj Finserv EMI Network Card to shop on Flipkart?

You can use your Bajaj Finserv EMI Network Card to shop online as well as offline. Bajaj Finserv has partnered with Flipkart to offer more than 4 lakh products at No Cost EMI.

Here’s how you can use the Bajaj Finserv EMI Network Card to avail No Cost EMI on Flipkart:

Step 1) Visit Flipkart’s website, browse and select the product that you wish to buy.

Step 2) You need to check if the product is available on No Cost EMI or not. You can then click on ‘No Cost EMI – View Plans’ to further check if Bajaj Finserv offers No Cost EMI on your product.

Step 3) Click on ‘Buy Now’ and proceed to pay. On the payment page, select ‘No Cost EMI’ as your payment mode, and then select the ‘Bajaj Finserv EMI’ option and choose a suitable EMI tenor for repayments.

Step 4) You will then be asked to enter your Bajaj Finserv EMI Network Card details and authenticate your purchase by entering the received OTP on your mobile number.

Step 5) Click on ‘Place Order’ and purchase your product on EMI. Isn’t shopping for your favourite products on the EMI Network is extremely simple?

How to use the Bajaj Finserv EMI Network Card to shop on Myntra?

You cannot pay using the Bajaj Finserv EMI Network Card at Myntra.

How to shop for products on EMI from Amazon without a credit card?

You need not have a Credit Card to buy the products on amazon. Instead, you can use your Bajaj Finserv EMI Network Card to easily pay for your purchases:

Heres how to shop on EMI from Amazon without a credit card:

  1. Log on to amazon.in, browse the website and select your product.

  2. Add the product to your cart and check out. You will be redirected to the payment page.

  3. On the payment page, choose Bajaj Finserv No Cost EMI as your preferred payment method.

  4. Select your preferred Amazon No Cost EMI scheme.

  5. Enter your Bajaj Finserv EMI Network Card details.

  6. Confirm your order by entering the OTP received on your registered mobile number.

  7. Your order is now placed.

Can we withdraw money from the Bajaj Finserv EMI Network Card?

Unfortunately, you cannot withdraw money from an ATM and other platforms with your Bajaj Finserv EMI Network Card.

What are the documents required to apply for a Bajaj Finserv EMI Network Card?

The documents required for Bajaj Finserv EMI Network card apply online eligibility are as follows:

  • PAN Card

  • Duly signed ECS mandate

  • Aadhaar Card

  • A cancelled cheque

What is the interest rate of Bajaj Finserv EMI Network Card?

When you have the convenience of the Bajaj Finserv EMI Network Card, you can buy products across the Bajaj Finserv EMI on easy EMIs. You can pay only the cost of your product over a convenient tenor as your EMI amount and nothing more. This means that you end up with huge savings on all your purchases. When it comes to the interest rate on your purchase on EMI, you may or may not have to pay a nominal interest. This may depend on the product you purchase on the EMI Network.

How can students apply for Bajaj Finserv EMI Network Card?

If you are aged between 21 to 60, you can apply for Bajaj Finserv EMI Network card online post checking your eligibility here.

How to increase your Bajaj Finserv EMI Network Card limit?

The Bajaj Finserv EMI Network Card is a payment system that comes with a loan limit of up to Rs. 1.5 lakh. A customer can use the loan limit on his/her Bajaj Finserv EMI Network Card to buy more than 1 million products on No Cost EMI. This loan limit is dependent on multiple factors such as your CIBIL Score, income level, and repayment capacity. Bajaj Finserv reviews their customers’ Bajaj Finserv EMI Network Card loan limit every quarter, you can increase limit of Bajaj Finserv EMI Network cardby maintaining a good repayment history.

What are the places where the Bajaj Finserv EMI Network card is accepted?

The Bajaj Finserv EMI Network Card is a payment system that enables you to divide the cost of all your purchases into easy EMIs.

You can use the EMI Network Card across 84,200+ Bajaj Finserv EMI Network card accepted shops present in 1,300+ cities available on the Bajaj Finserv EMI Network. You can use the Bajaj Finserv EMI Network Card to shop for electronics such as television, laptops, mobile phones, cameras, etc. as well as home appliances like air conditioners, refrigerators, washing machine, inverters, printers, water purifier, etc. on easy EMIs with your Bajaj Finserv EMI Network card. Additionally, you can also get the latest fashion, home décor, modular kitchen and a million other products on EMI with your Bajaj Finserv EMI Network Card.

All that you have to do is walk into a store, select a product, swipe the card and complete your purchase on EMI.

You can also avail the No Cost EMI facility at multiple e-commerce platforms such as Flipkart, Amazon, Yatra, MakeMyTrip, Bajaj Finserv EMI Store, online store Vivo, Choose My Bicycle, and more by using your Bajaj Finserv EMI Network Card.

How to get Bajaj Finserv EMI Network Card statement?

The Bajaj Finserv EMI Network is a payment system that helps you shop for your favourite products across categories. Fetching your Bajaj Finserv EMI Network Card statement is easy via the Bajaj Finserv Direct app.

How to download Bajaj Finserv EMI Network Card app?

You can download the Bajaj Finserv Direct app from Google Play Store and access your EMI card details.

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