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Learn how to block or unblock your Bajaj Finance Insta EMI Card through the online service portal. Explore the step-by-step process, reasons a card may be blocked, and the conditions for reactivation.
Last updated on: Sep 21, 2026
A Bajaj Finance Insta EMI Card can be blocked or unblocked through the online service portal, depending on whether the card is temporarily not in use or needs to be reactivated. A blocked Bajaj Finance Insta EMI Card cannot be used for transactions until it is unblocked. Cards may also get blocked due to overdue EMIs or credit score-related policies, in which case unblocking depends on clearing dues or meeting the eligibility requirements set by the lender.
A Bajaj Finance Insta EMI Card that is blocked can be done so through the online service portal in a few steps:
Sign in to the service portal using the registered mobile number and OTP.
Enter the date of birth for verification.
Go to the 'Service' section and select the card from 'Your Relations'.
Click on 'Manage', then select 'Block Card'.
Enter the reason for blocking and proceed.
Once submitted, the card is blocked instantly, and an SMS notification is sent to the registered mobile number.
A blocked Bajaj Finance Insta EMI Card can be unblocked through the same service portal:
Sign in to the service portal with the registered mobile number and OTP.
Enter the date of birth for verification.
Go to the 'Service' section and select the card from 'Your Relations'.
Click on 'Manage', then select 'Unblock Card'.
Verify using the OTP sent to the registered mobile number and proceed.
Once verified, the card is unblocked, and a confirmation is displayed on screen.
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Eligibility for a Bajaj Finance Insta EMI Card typically requires being a resident of India, aged between 21 and 70 years, with a regular source of income and a good CIBIL score. These criteria are assessed by the lender before card issuance or reactivation.
A PAN card, an address proof such as Aadhaar, passport, driving licence, or voter ID, along with a bank account number and IFSC code for e-mandate registration, are typically required. No physical documents need to be submitted, as the process is completed digitally.
No, blocking a Bajaj Finance Insta EMI Card does not cancel ongoing EMIs. Blocking only restricts the card from being used for new transactions, while existing EMI repayment obligations on prior purchases continue as per the original schedule until fully repaid.
Unblocking a Bajaj Finance Insta EMI Card is typically completed instantly once the OTP verification step is confirmed through the online service portal. However, if the card was blocked due to overdue EMIs or internal policy, the timeline depends on clearing the relevant dues.
No, blocking a card by itself does not affect the credit score. However, if the card gets blocked due to non-payment of EMIs, the missed payments themselves can negatively impact the CIBIL score, since repayment history directly affects credit score calculation.
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