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To enjoy the benefits of shopping on EMIs without a credit card and ease the burden of interest, you can use the Bajaj Finserv EMI Network Card. With the No Cost facility, you can purchase big-ticket items without having to pay an upfront cost. 

 

Additionally, with the No Cost EMI, you do not need to pay additional charges or interest for shopping on EMI without a credit card. As a result, you save on the interest amount while getting exclusive access to attractive EMI offers.

 

With minimal documentation, you can get a pre-approved loan of up to ₹2 Lakhs with the Bajaj Finserv EMI Network Card. Read on to know the perks you get to enjoy when you do offline/online shopping on EMI without using a credit card.

Advantages of Shopping on EMI Without a Credit Card

Shopping on EMI without a credit card using the Bajaj Finserv EMI Network Card has several benefits. Here are some of them:

  • The Bajaj Finserv EMI Network Card lets you shop using a pre-approved loan so that high-value purchases such as appliances, gadgets, clothing, and even holiday bookings become less stressful.

  • The loan amount on the Bajaj Finserv EMI Network Card goes up to ₹2 Lakhs.

  • You do not have to pay any interest on the borrowed sum.

  • You can pay the amount spent on the card in flexible, No Cost EMIs ranging from 1 to 60 months.

  • There are no foreclosure charges if you repay the amount before the due date.

  • There is no additional documentation required while shopping on the Bajaj Finserv online partner stores. Simply provide the card details to shop. 

  • You can use the card to purchase products across varied categories, online as well as offline, from 1.5+ lakh partner stores spread across 4,000+ cities.

  • You get access to exciting Bajaj Finserv EMI Network Card offers so that you can save more on your purchases at partner stores.

  • You can easily manage your EMI Card on the Bajaj Finserv customer portal.

 

If you wish to enjoy these benefits, opt for the hassle-free Bajaj Finserv EMI Network Card application process on Bajaj Markets. That said, you can still purchase products and services on EMI without a credit card, even if you do not have a Bajaj Finserv EMI Network Card. 

 

Of late, many leading banking institutions in the country have begun to offer EMI facilities on debit cards for both online and offline purchases. Opting for this feature allows you to purchase your favourite products in affordable monthly instalments without blocking any amount in your account. 

 

With no additional documentation required, you can repay your monthly instalments with your card. This amount gets deducted from your bank account linked to the card. 

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FAQs on EMI Without a Credit Card

Can I shop for products on EMI without a credit card?

Yes. If you do not have a credit card, you can still enjoy shopping on EMI with the Bajaj Finserv EMI Network Card. The pre-approved loan on the card lets you shop stress-free without having to worry about your finances.

How can I buy on EMI without a credit card?

The Bajaj Finserv EMI Network Card is an exclusive and affordable financial tool. It offers a pre-approved loan and helps you convert your cost of purchase into customisable payments. It is easily accessible on the Bajaj Finserv Wallet app. 

 

Moreover, you can use it to shop on leading e-commerce websites as well as 1.5 lakh+ offline partner stores in India.

How can I purchase products online without a credit card?

If you wish to do away with the hassles of purchasing with a credit card, you can opt for the Bajaj Finserv EMI Network Card. All you have to do is visit the online partner store, choose the EMI card as a payment option during checkout, and provide the card details. 

 

If you have sufficient balance, you will have to verify the purchase with an OTP, and complete the purchase. Do note that this provision is only available on select portals and for select products. You should check this before proceeding with the purchase.

How can I buy stuff on Amazon on EMI without a credit card?

The Bajaj Finserv EMI Network Card can be used on Amazon and several other online stores to purchase items on EMI without a credit card. All you need to do is choose EMI, click ‘No Cost EMI’ and select the Bajaj Finserv EMI Network Card at the payment gateway. 

 

You would then need to customise the payment tenure. As the final step, confirm the card details and select buy.

Is the EMI option only available on credit cards?

No. You can opt to pay in EMIs without a credit card using your Bajaj Finserv EMI Network Card. It allows you to use the pre-approved loan on the card to pay for products in convenient EMIs at no additional cost.

Is it possible to buy a mobile or a smartphone on EMI without a credit card?

The Bajaj Finserv EMI Network Card gives you the option to buy a mobile phone or smartphone on EMI without a credit card. Repay the amount at No Cost EMIs with flexible tenures.

Is an EMI possible without a credit card?

Yes, EMI shopping without a credit card is possible. Most banks allow purchases made on debit cards to be converted into monthly instalments. Thus, you can use your debit card to shop on EMI without a credit card. 

 

Digital wallets are another great answer to the ‘how to get EMI without a credit card’ question. You can use these wallets across partner stores to purchase electronics and lifestyle products on EMI. 

 

Lastly, you can also opt for the Bajaj Finserv EMI Network Card, which basically entitles you to a pre-approved loan that can be used for shopping. The total expense can then be paid in easy EMIs without any additional interest charges.

How can I buy products on Flipkart on EMI without a credit card?

EMI shopping without a credit card on Flipkart is quite easy if you own a Bajaj Finserv EMI Network Card. Simply visit the Flipkart website or open the Flipkart mobile app. 

 

Browse through the various categories of smartphones, tabs, furniture, ACs, TVs and more to pick the products you wish to purchase. Add them to your cart and head to the checkout window. 

 

Select the No Cost EMI option on the payment page, pick a favourable repayment tenure, and complete your purchase with the OTP verification. After doing so, the total amount will be automatically converted into interest-free EMIs. 

Is it possible to purchase electronics on EMI without a credit card?

Yes. You do not need a credit card to purchase electronics on EMI. With the Bajaj Finserv EMI Network Card, you can buy all your favourite products in affordable monthly instalments at a tenure of your choice. 

 

Alternatively, if you have a debit card, you can also opt for the debit card EMI option to purchase electronics in monthly instalments. 

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