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How to Apply for the Insta EMI Card

The Bajaj Finserv Insta EMI Card can be a gateway to flexible financing if you want to upgrade your lifestyle and shop smart. It is accepted at over 1.5 lakh Bajaj Finserv partner stores across 4,000+ cities and allows you to enjoy easy EMIs when purchasing your favourite products.

 

Knowing how to apply for a Bajaj Finserv EMI Network Card will empower you to shop smarter and experience the freedom of flexible financing. Meet the required eligibility parameters and apply for a card online on Bajaj Markets.

How to Apply for the Bajaj Finserv Insta EMI Card

You can get this EMI card both online and offline. Check out the steps to apply for a Bajaj Finserv EMI Network Card below:

Online

  1. Click on the ‘Apply Now’ button at the top of this page

  2. Enter your mobile number and complete the verification process by providing the OTP received

  3. Fill in the application form with your personal details, such as your full name, date of birth, PAN, PIN Code, etc.

  4. Choose your gender and employment type

  5. Click on the ‘Submit’ button to know your card limit

  6. Use your Aadhaar Card or DigiLocker account to verify KYC

  7. Once you have completed KYC, pay a one-time joining fee of ₹530, along with an online convenience fee of ₹69

  8. Complete the e-mandate process by clicking on the ‘Activate Now’ button and entering your bank account number and IFSC 

  9. You can use your card after completing the e-mandate process

Offline 

  1. Opt for an in-store financing facility at any one of the Bajaj Finserv partner stores

  2. Select the product you want to purchase

  3. Get assistance from the store representative for setting up your EMI card

  4. Submit the essential documents

  5. You will get access to the Bajaj Finserv Insta EMI Card once your details are verified

Eligibility Criteria to Apply for the Bajaj Finserv Insta EMI Card

To get access to this card, you need to qualify on certain parameters. These include:

  • You need to be an Indian citizen

  • You must be between 21 and 65 years of age

  • You need to have a reliable source of income

  • You need to have a CIBIL score of 720 or more

 

Note: Your Bajaj Finserv Insta EMI Card limit depends on the city you reside in as individuals living in metro cities usually have a higher income.

Frequently Asked Questions

How to activate the Bajaj Finserv EMI Network Card?

Once you have applied for the card, follow these simple steps to activate it:

  1. Click on the ‘Activate Now’ button

  2. Complete the e-mandate process by entering your bank account number and IFSC

Can I apply for the Bajaj Finserv EMI Network Card online?

Yes, you can apply for the Bajaj Finserv Insta EMI Card online through the Bajaj Markets website.

Can I get a Bajaj Finserv EMI Network Card without a salary?

No, you need a reliable and regular source of income to apply for the Bajaj Finserv EMI Network Card.

What is the credit score requirement to apply for the Bajaj Finserv Insta EMI card?

You need a CIBIL score of 720 or above to apply for the EMI card.

What are the benefits of using the Bajaj Finserv EMI Network Card?

The following are some of the advantages of using the Bajaj Finserv Insta EMI Card:

  • You can shop using this card at over 1.5 lakh partner stores located in 4,000+ small and large cities

  • You can get zero down payment on a wide variety of products

  • You can also enjoy easy EMIs on purchasing different products

  • You can convert your purchases into EMIs across a timeline extending up to 60 months

  • The application process is entirely digital, which you can complete in 10 minutes

How can I buy my favourite product using the Bajaj Finserv EMI Network Card after applying?

Follow these simple steps to buy a product using your Bajaj Finserv Insta EMI Card:

  • Visit the Bajaj Finserv partner store

  • Select the product you want to buy

  • Pay for it using your EMI card by providing your card details as well as OTP to the executive

Do I need to submit any documents to shop on the EMI Network?

You will need the following paperwork when applying for this card:

  • PAN card

  • Aadhaar card number for KYC confirmation

  • Bank account number and IFSC code for e-mandate registration

Can I get a Bajaj Finserv EMI Network Card offline?

Yes, you can apply for this card by visiting the Bajaj Finserv partner store. Select the product you want to buy, opt for this financing option, and submit the essential documents to complete the application process. 

Can I apply for an add-on EMI card for my family?

Yes, you can apply for an add-on EMI card for your family member by paying a fee of ₹199.

Is a PAN card mandatory when applying for a Bajaj Finserv EMI Network Card?

Yes, it is a mandatory document that you need to submit when applying for this card.

How to increase the limit of the Bajaj Finserv EMI Network Card?

To request an increase in the limit of your Bajaj Finserv Insta EMI Card, follow these steps:

  1. Visit the ‘Customer Portal – My Account’ page on the Bajaj Finserv website

  2. Sign in to your account using your registered mobile number and OTP

  3. Verify your details by entering your date of birth and proceed

  4. Navigate to the ‘My Relations’ section and select the ‘Bajaj Finserv Insta EMI Card’ option

  5. Click on the ‘Increase Limit’ option under the ‘Quick Actions’ section

  6. Check your new limit and click on the ‘Proceed’ button to accept it

What does ‘No-cost EMI’ mean?

It is a financing option where you can convert the cost of a product into equated monthly instalments (EMIs). These EMIs do not include additional charges or interest rates beyond the agreed purchase price.

Why is there no CVV number on my Bajaj Finserv EMI Network Card?

These cards do not carry a Card Verification Value (CVV) number because they are not debit or credit cards. CVV is only present on credit and debit cards offered by Visa and Mastercard.

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