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Find out the differences between the two and which one's best for you!
Last updated on: January 17, 2026
Today, there are numerous cost-effective payment options available to help you manage your purchases. While you are often spoilt for choice, it can be quite overwhelming to choose the best. This is where the Bajaj Finserv EMI Network Card vs a credit card debate comes into the picture. Between these two, you may wonder which is the best option. One way to decide is by learning the key essential features of these cards and how they can work for you.
Read on to understand the difference between the Bajaj Finserv EMI Network Card and a credit card.
The Bajaj Finserv EMI Network Card is a popular, hassle-free, and convenient payment instrument that you can use to make high-value purchases. It comes with a pre-approved loan of up to ₹3 Lakhs and helps you purchase items on affordable No Cost EMIs.
You can choose a convenient repayment tenure of 1, 3, 6, 9, 12, 18, 24, or 60 months. Additionally, you do not need to pay any foreclosure charges when repaying your loan before the due date.
You can use the Bajaj Finserv EMI Network Card at online Bajaj Finserv partner stores. You can also use it in 1.5 lakh+ offline stores spread across more than 4,000 Indian cities.
While the benefits of the Bajaj Finserv EMI Network Card and a credit card can seem similar, they do have their differences. To help you compare the Bajaj Finserv EMI Network Card vs credit card, here is an overview of some of the unique features:
| Criteria | Bajaj Finserv EMI Network Card | Credit Card |
|---|---|---|
Eligibility terms |
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Documents Required |
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Interest Rate |
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Foreclosure Charges |
|
|
Remember that foreclosure charges and other credit card specifics can vary across credit card issuers. So, it is ideal to compare various offers and choose one that best fits your requirements.
A no-cost EMI facility can be an attractive choice to buy an appliance or a luxury watch which comes with a substantial price tag. Lenders usually provide this facility with an upfront fee and allow you to repay in instalments.
Here is how easy EMIs work:
To provide this facility, some retailers forego discounts they may have offered on upfront payment. They use this amount to cover the cost of interest charges.
Lenders may also provide no-cost EMIs by adding the cost of interest to the existing price of the product. This allows you to pay for it in equal instalments over the fixed tenor. For instance, if a product is priced at ₹17,000, you may get it for ₹20,000 if you have opted for a no-cost EMI.
Depending on the financier, the tenor varies for repaying the loan. The easy EMI facility from Bajaj Finserv allows you to divide the product’s price into convenient EMIs that can be spread over up to 60 months.
Check out the features and benefits of the Bajaj Finserv EMI Network Card.
Pre-approved Loan: The Bajaj Finserv EMI Network Card includes a pre-approved loan of ₹3 Lakhs, which you can use for making purchases at any of the Bajaj Finserv's 1.5 lakh+ partner stores in more than 4,000 Indian cities.
Flexible Repayment Period: You have the option of repaying the loan over a period of time that ranges from 1 month to 60 months.
Minimal Documentation: To buy any products on No Cost EMI, you only need to provide minimal paperwork during the documentation process. If you are an existing Bajaj Finserv EMI Network Card user, you do not need to submit any paperwork when making a purchase.
e-Wallet: The Bajaj Finserv Wallet App is compatible with the Bajaj Finserv EMI Network Card. Since you can quickly make in-store transactions using the smartphone app, you do not have to carry your card everywhere you go.
To sum up, it is evident that the Bajaj Finserv EMI Network Card and a credit card are quite different. So, if you are looking for an option that enables you to afford the latest gadgets and equipment, among other things, apply for a Bajaj Finserv EMI Network Card.
Once you have the card, you can use it to buy from over 1.2 million products at any of the partner stores and enjoy the benefit of EMI without a credit card.
Reviewer
No, Bajaj Finserv EMI Network Card and credit cards are different. The Bajaj Finserv EMI Network Card lets you make purchases on No Cost EMIs. This means there is no need to pay any additional interest on the total amount.
On the contrary, credit cards charge interest for EMI facilities. They also differ on the grounds of the application procedure, documentation process, foreclosure charges and eligibility criteria.
Bajaj Finserv EMI Network Card is a hassle-free and easy-to-use payment method. They have simpler eligibility criteria in comparison to credit cards. They let you purchase products on No Cost EMIs, as they charge zero interest and zero foreclosure charges.
The Bajaj Finserv EMI Network Card offers a pre-approved loan limit of up to ₹3 Lakhs which you can use to purchase items on affordable EMIs.
Yes, you get the benefit of choosing the repayment period if you use a Bajaj Finserv EMI Network Card to make the purchase on EMI. The repayment tenure is flexible and ranges from 1 to 60 months.
So, when comparing a Bajaj Finserv EMI Network Card vs a credit card, the flexibility in repayment tenure is a huge advantage you get when you own the EMI Network Card.
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