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100% digital Process | Instant Approval | No annual fee |
Last reviewed on: Jun 05, 2026
The Bajaj Finance Insta EMI Card offers a pre-qualified loan offer amount of up to ₹3 Lakh for shopping that can allow 1 million + product on easy EMI across 1.5 lakh + online and offline partner stores accross 4,000 + cities. Use digital card to convert all your purchase into Easy EMI and choose a flexible repayment tenure upto 60 months
Zero Down Payment: You can purchase select items with zero upfront payment.
No Cost EMI: Many partner merchants offer No Cost EMI schemes.
Flexible Tenure: Choose your repayment period anywhere from 3 to 60 months.
No Annual Fees: Minimal joining fee of ₹530 including tax
Expansive Network: Shop across 1.5 lakh+ online and offline partner stores
No Hidden Fees: Aside from a one-time joining fee, there are no annual renewal fees.
Loan Offer Amount: Get up to ₹3,00,000 for purchases
Before you apply for the EMI card, understand the prerequisites for a seamless and quick application. To qualify, you need to meet the below criteria:
Nationality |
Indian |
Age |
19 Years to 70 years |
Income |
You must have a regular source of income |
Credit Score |
As per Bajaj Finance risk policies |
PAN card
Aadhaar card
Steps to apply for the Bajaj Finance Insta EMI Card online
Click on the ‘Apply Now’ button at the top of this page
Enter your 10 digit mobile number and verify it with an OTP on this new page
Enter your full name and click on Yes 'Auto-Fetch Details'
Verify your pre-filled personal details ans click on 'CONTINUE'
Click your pre-quialified card loan offer amount and click on 'CONTINUE'
Review your wallet setup details and verify the OTP
Complete your Identity verfication by confirming your current residential address.
Post successful identity verfication, Pay a one time joining fees of ₹530/- (Inclusive of applicable taxes).
After successfully payment, view your card details on the Bajaj Finanace App
Note - The online process may differ on weather you are new customer or have an existing relationship with us.
The following chargers are applicable on the Insta EMI Card
Types of Charges |
Charge Details |
₹530 (inclusive of taxes) |
Disclaimer: Additional fees and charges may apply when using the card.
You can use the card at any of the partner stores located across the country and purchase the product in affordable instalments. Here is how:
Visit your preferred partner store
Select the product you wish to buy
Choose the card as your payment option
Select a preferred repayment tenure
Share your card details with the store executive
Provide the OTP sent on the registered number to complete the transaction
Understand how the Insta EMI Card works and enjoy its benefits.
When you apply for the Bajaj Finance Insta EMI Card, you will be required to make a one-time, joining fee of ₹530/- (Inclusive of applicable taxes).
It is a simple, convenient, and affordable financing solution for all your shopping needs. This card comes with a pre-qualified loan amount of ₹3 Lakhs. You can use this loan to purchase over a million products on EMI.
The Bajaj Finance Insta EMI Card offers flexible repayment tenor options of up to 60 months.
You can call Bajaj Finance customer care helpline in case of any queries. You can contact them at +91-8698010101.
Yes, you can use the card to buy any home appliance like a washing machine, air conditioner, refrigerator, water purifier, microwave oven, etc. Simply visit the Bajaj Finance partner store, select the home appliance of your choice, and pay via easy monthly instalments.
To activate your card with Online Know Your Customer (OKYC), enter your Aadhaar number and validate it with the OTP received on your Aadhaar-linked mobile number.
In the case of Central Know Your Customer (CKYC), you can simply validate by entering your PAN and date of birth or 10-digit mobile number.
While buying products on Insta EMI Card with this card, you practically pay zero interest charges. A monthly instalment option is available for most products without any extra cost. However, you may have to pay a nominal processing fee or a small down payment on select items.
There is no minimum threshold for purchasing products with your EMI card. You can seamlessly shop for any of your favourite items and conveniently pay via monthly instalments.
Yes, you can visit the Bajaj Finance offline partner stores and buy products on EMI using the EMI card.
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