To enjoy the benefits of purchasing on EMI without the burden of interest, all you need is a Bajaj Finserv EMI Network Card. With minimal, one-time documentation, you can avail a pre-approved loan of up to ₹4 lakhs (₹2 lakhs for Bajaj Finserv Insta EMI Card) on the card that you can use to purchase products worry-free. You also get to avail the no cost EMI benefit! This means that unlike traditional forms of credit, you do not need to pay any additional charges for buying on EMI. As a result, you save on the interest amount while also getting exclusive access to attractive EMI offers.
Purchasing on EMI without a credit card using the Bajaj Finserv EMI network card has several advantages:
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 ₹4 lakhs (₹2 lakhs for Bajaj Finserv Insta EMI Card).
You have to pay zero interest on the borrowed sum.
You can pay the amount spent on the card in flexible, no-cost EMIs ranging from 3-24 months.
There are no foreclosure charges if you pay off the amount before the close of the repayment tenure.
The card can be used to purchase items across categories online as well as offline from 1.2 lakh+ sellers spread across 2,900+ 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 customer portal
Laptops on no cost EMI
Bring home the latest laptop on EMI without credit card from top brands such as HP, Asus, Dell, Lenovo, Macbook on EMI, etc., while also protecting your savings. All you need to do is use the Bajaj Finserv EMI Network Card and enjoy no cost EMI on popular e-commerce platforms as well as partner offline stores.
Furniture on no cost EMI
Buy furniture on EMI with the Bajaj Finserv EMI Network Card to decorate your home without draining your budget or paying any additional interest charges. Choose from sofas, bookshelves, beds, shoe racks, cupboards, and more., from popular partner stores such as Hometown, @home by Nilkamal Pepperfry, etc.
Mobiles on no cost EMI
Why settle for less when you can get the best mobile on EMI without a credit card. With an array of popular partners such as Oppo, Mi, Realme, OnePlus and more, you can purchase phones on no cost EMI using your EMI Network Card easily.
Home Appliances on no cost EMI
Be it a refrigerator, washing machine, toaster, or dishwasher, you can buy it all without worrying about your finances. Simply use the Bajaj Finserv EMI Network Card to buy home appliances on EMI and get your favourite products from popular brands delivered to your home.
Flight tickets on no cost EMI
Why spend more on vacations when you can opt to travel on EMI! That is right! With the Bajaj Finserv EMI Network Card, you can book flight tickets on EMI as well get the most lucrative travel deals from partner stores.
Top Product Categories to Shop on No Cost EMI
Partner Store – Offers
EMI shopping without a credit card lets you buy without interest. You are only supposed to pay the cost of the product or service you are buying in equal monthly instalments (EMI). The documents required for Bajaj Finserv EMI Network Card are also minimal when compared to credit cards. To top it all, shopping on EMI without a credit card gives you access to a large number of exciting offers and discounts. The Bajaj Finserv EMI Network Card allows you to choose from a myriad of home appliances, kitchen appliances, furniture on EMI, fitness, and travel, fashion deals, and electronics on EMI without credit card.
EMI without cost is an advantage you can avail when you use your Bajaj Finserv EMI Network Card at the time of payment at partner stores online and offline. The pre-approved loan of up to ₹4 lakh (₹2 lakh for Insta EMI card) on the card lets you buy the products of your choice. You are not charged any additional cost on your EMIs throughout your preferred repayment tenure.
No. Unfortunately, you cannot change your EMI plans post transaction.
No-cost EMI means that there is no interest charged over and above the principal cost of purchasing a product. As a result, the interest value that would have been charged on the product is deducted from the actual cost of the product.
The No-Cost EMI option is ideal for purchasing high-value products without having to pay extra interest costs on top of the regular EMIs. As a result, unlike other forms of credit, the EMI card lets you pay only the actual cost of the item you buy.
To understand what no-cost EMI means, here is an example. Imagine purchasing the latest iPhone on EMI, costing ₹1,20,000, using your Bajaj Finserv EMI Network Card. If the repayment tenure chosen is 12 months, you will only have to pay ₹10,000 every month (₹1,20,000 divided by 12) for the next year. As the card comes pre-equipped with the no-cost EMI feature, no interest charges will be levied on the ₹1,20,000 borrowed.
If you do not wish to spend additional money as interest charges on your borrowed funds, no-cost EMI is a great option, especially when you are making big-ticket purchases.