How does Bajaj Finserv EMI Card Works?

How does the EMI Network Card Work?

How does Bajaj EMI Card works?

Apply Now

Get No-Cost EMIs at leading online stores. Shop using your Bajaj Finserv EMI Network Card

  • EMI Network Card
  • How to Apply
  • Documents & Eligibility
  • Features & Benefits
  • Offers
  • Partner Stores

How does the Bajaj Finserv EMI Network Card work?

How many times have you caught yourself wondering you would buy the latest model of the smartphone you are using? Or upgrade to a technologically advanced air-conditioning unit? And how many times the only aspect deterring you from actually purchasing it was the gigantic cost you’d have to pay all at once? The ability to purchase lifestyle products on equated monthly instalments could overcome this roadblock. This is where the Bajaj Finserv EMI Network Card plays a crucial role.


The Bajaj Finserv EMI Network Card enables you to purchase products or avail services on loan so that you do not have to pay the entire amount upfront. The transaction is carried out with a swipe - as is the case with credit cards - and the repayment is done through equated monthly instalments as the name suggests. The Bajaj Finserv EMI Network Card offers different plans with tenures of 3, 6, 9 and 24-months. Depending on your purchase, available plans will be shown on the payment page during checkout. For example, if you go ahead to buy the latest OnePlus 7 model on Amazon, which is a partner store, and choose to pay via the Bajaj Finserv EMI Network Card, you get the options of plans with the repayment with set amounts and tenures across 6 months, 9 months and 12 months. You are free to choose whichever suits you. You can check out the Bajaj Finsrv EMI Network card apply online process or apply at our offline partner stores.

What are the EMI Card Charges involved?

The Bajaj Finserv EMI Network Card offers No Cost EMI, which implies that there are no interest charges. However, you need to make a one-time payment of ₹ 530 (inclusive of all taxes) to avail the Bajaj Finserv EMI Network Card. Additionally, a processing fee will be charged for every transaction you make using the card. An annual fee of ₹ 117 will be charged to EMI cardholders who have not made a purchase using their Bajaj Finserv EMI Network card in the preceding year. This will be calculated 12 months from last year’s validity month, as printed on the face of your card.

Where & How to Use the EMI Card?

You can use Bajaj Finserv EMI Network Card at online and offline partner stores both. You can obviously use the EMI Store for your purchases. On the EMI Store, the Bajaj Finserv EMI Network Card can help you make purchases across a myriad of products ranging from refrigerators, air-conditioners, washing machines, microwave/ovens, water purifiers, inverters/generators; electronics such as smartphones on emi, tablets, laptops on emi without credit card, television & home entertainment sets, speakers and cameras; home, kitchen & furniture on emi products. All these products are available for purchase with facilities of No Cost EMI, zero down payment, 4-hour / same day speedy delivery. There are also regular schemes and discounts ongoing - a smartphone brand may be on sale today and another might have launch-related discounts, all of which are available to the Bajaj Finserv EMI Network Card holders.


Apart from the EMI Store, you can also transact using the Bajaj Finserv EMI Network Card at various partner stores. Let us look at each of these places you can use the Bajaj Finserv EMI Network Card at, and the process involved in using it:

1. Transactions across Partner Stores

Some of the Bajaj Finserv EMI Network Card Accepted Stores are Flipkart, Amazon, MakeMyTrip, Paytm Mall, Yatra, Samsung, Vivo, Choose My Bicycle, Pepperfry among others. The Bajaj Finserv partner stores make up for a network of 84,200 stores in India. You can shop for big-ticket items like appliances, gadgets and furniture as well as clothes and travel bookings. These retail outlets are branded online stores that function as partner stores for the EMI card.


To use your Bajaj Finserv EMI Network Card at any of these partner stores, follow the steps below:


  1. Visit the website of the partner store.

  2. Browse through the wide variety of products, look at the specifications, compare different models and features and finalize the one that fits your needs and purpose

  3. On reaching the checkout window, choose Bajaj Finserv EMI Network card as your payment option. Then decide on the tidbits: what is the repayment tenure you want to opt, ranging from 3 to 24 months. Add your personal details and confirm delivery details.

Think of it as paying through a wallet, but with the added advantage of purchasing on a loan that you can repay through EMIs. It is as simple as that.

2. Shopping on Bajaj Finserv EMI Store

You can shop for a wide range of lifestyle products with the EMI Card at the Bajaj Finserv EMI Store, by following these simple steps:


  • Log-in to the Bajaj Finserv EMI Store using your credentials. It is super easy to create an account if you do not already have one.

  • You can go through the various categories of products and the sheer number and variety of the models and brands available under each one of them. Look at the features and specifications and choose the one you like.

  • Select the EMI tenure that you are most comfortable with, which will be ranging between 3 months and 24 months.

  • In order to complete your purchase, confirm the delivery address and other personal details. Your product will be delivered to you within 24 hours.

Other ancillary details about EMI Card and transactions and set-up

If at any point in time during the shopping process, you want to know your customer ID and password, it is mentioned on the card itself. The Customer ID is mentioned on the reverse of the EMI card. Initially, you should set up your account using this ID and the OTP that is sent to your registered mobile number, or simply SMS ‘EXPERIA’ to +91 9227-56-4444 from your registered mobile to receive your username and password.


On Experia portal/Bajaj Finserv Direct App, you can easily keep a track of your Bajaj Finserv Online EMI Network Card transactions. You can also find the following information on the dashboard:


  1. Your Approved limit, Utilized Limit & Available Limit,
  2. Account status of your Bajaj Finserv Online EMI Network Card and reason if it is blocked,
  3. Due date and due amount, and
  4. Transaction History with order ID, etc.
  5. The validity of the EMI card

To check the Bajaj Finserv EMI Network card validity, limit and other such information pieces, log into Experia with the ID and password provided to you by Bajaj Finserv. You can also always check the Bajaj Finserv App for looking up such information. For further details, you can contact the company’s customer service representative.


Most of the big brands like Samsung, Apple, Vivo, HP, Dell, Lenovo, Panasonic, LG, Godrej, IFB, Kent, Eureka, Voltas, Hitachi, Mi, Motorola, Fossil, Daikin, Symphony etc are available on the EMI store online. When you buy via your Bajaj Finserv EMI Network Card, you can also reap the benefit of customised EMI options, zero downpayment offers, etc. They also charge a very minimal processing fee at the time of purchase, so the entire process is very pocket-friendly and cost-effective. The approval of loans against the EMI Card is quick and physical documentation is almost negligible due to the latest eKYC option. Therefore, you can buy any gadgets, clothes, appliances, and so on, without burning a massive hole in your pocket. Stay upgraded on your fashion, home appliances and gadgets - all with Bajaj Finserv EMI Network Card.

Happy Customers of Finserv MARKETS

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Finserv Markets, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premium!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!