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The Bajaj Finserv EMI Network Card is a simple and convenient way to make big-ticket purchases. The EMI card comes with a pre-approved loan limit of up to ₹2 Lakhs. Using this loan amount, you can purchase anything you want from over 1.5 lakh sellers, at No Cost EMIs.


However, when you exhaust the pre-approved limit offered to you, you will not be able to make any new purchases. But, worry not! There’s a way to get away with this tiny roadblock. You can increase your loan limit. Bear in mind that the decision to accept or reject your proposal for loan limit increase is completely at the discretion of the provider. 

How Can I Increase My Bajaj Finserv EMI Network Card Limit?

Here’s how you can go about increasing the pre-approved limit on your Bajaj Finserv EMI Network Card: 

  • First, contact Bajaj Finserv and let them know that you’re looking to increase your loan limit.  

  • If your proposal gets approved, then you will need to make an upfront payment of ₹117 as a loan limit enhancement fee. 


That’s it! This way, you can successfully increase your pre-approved loan amount! Then you can go ahead and make purchases at No Cost EMIs. 

In case you do not want to increase your pre-approved loan limit but need to make new purchases, you can restore your loan limit by foreclosing one or more of your existing EMIs. Make sure to get in touch with your card issuer to understand the process of foreclosing better. 

Factors Influencing the Credit Policy

Increasing your pre-approved loan limit on your Bajaj Finserv EMI Network Card is quite simple as you already know. However, there are a number of considerations that go into deciding whether or not you are eligible for a loan enhancement. Being aware of these factors and being diligent with repayments will help increase your overall creditworthiness. Here are some things to keep in mind: 

  • Credit Score 

A good credit score signals to creditors that you are a financially disciplined person who has a history of making repayments on time. So, they will be more willing to extend credit to you. Not only this, they are also more inclined to offer you a higher credit limit. People with higher credit scores generally get better terms on credit as well, this can mean reduced interest rates, processing fee waivers, lesser waiting time, etc. 


If you have a good credit score, then it’s likely that your pre-approved loan limit will be on the higher side to begin with. In case you need to enhance it further, your request is likely to be accepted as well. 

  • Income 

Your income is another important factor in determining your pre-approved loan limit and the decision to enhance it. The general idea is that if your annual income is high and consistent, then you’re unlikely to default on EMIs. So, if you can show that your income is both regular and high, then your loan enhancement process will probably be simple. 

  • Repayments

When you request for a loan enhancement, the first thing your creditor will probably look at is your repayment history. If you’ve been making all your repayments in full and on time, then there is a higher chance that your request will be approved. The creditor is bound to believe that even with a higher loan limit, you will continue to pay your EMIs on time. 

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FAQs on Increasing the Bajaj Finserv EMI Network Card’s Limit

You can increase your loan limit on your Bajaj Finserv EMI Network Card by making diligent repayments, which may cause the creditor to review your limit.

The pre-approved loan offered to you depends on a number of factors such as your employment status, income level, credit score, etc. The maximum pre-approved loan offered for the Bajaj Finserv EMI Network Card is ₹2 Lakhs. 

There is no specified minimum loan limit offered for the EMI card.

Yes, you can increase your pre-approved loan limit by getting in touch with Bajaj Finserv.

There’s no specified timeline for pre-approved loan enhancement. It really depends on the card issuer’s policies. But, if you’re keen on increasing your pre-approved loan limit, start by repaying all your EMIs fully and on time.

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