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Loan offer up to Rs.3 lakhs | Instant approval | 4-Step Process
Last reviewed on: Sep 22, 2026
EMI Card Quick Links
The Bajaj Finance Insta EMI Card offers a pre-qualified loan offer amount of up to ₹3 Lakh for shopping across 1.5 lakh+ partner stores in over 4,000 + cities. Convert purchases (electronics, groceries, travel) into easy EMIs (3-60 months), often with zero down payment.
Features |
Benefits |
Zero Down Payment |
You can purchase select items with zero upfront payment. |
Everything on EMI |
From electronics, furniture, appliances to groceries, flight bookings, and much more, you can buy from a range of 1 million+ products on EMI |
High Loan Offer Amount |
You can make big-ticket purchases from partner stores comfortably with a pre-qualified loan offer amount of up to ₹3 Lakhs |
Flexible Tenure |
Choose your repayment period anywhere from 3 to 60 months. |
Expansive Network |
Shop at over 1.5 lakh partner stores spread across 4,000+ cities in India |
No Annual Fee |
No annual or renewal fee for the Insta EMI Card |
100% Digital Process |
You can apply for the Insta EMI Card online on the Bajaj Finance app and website |
Lower-EMI Special Schemes |
You can opt for special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI |
Online and Offline Shopping |
Use the Insta EMI Card to shop on leading e-commerce websites as well as at offline partner stores |
See the full list of Insta EMI Card features and benefits.
Your credit score is one of the key factors lenders consider when deciding both loan approval and the amount you're offered. If you're not sure where you stand, you can Check Your CIBIL Score For Insta EMI Card before applying.
Nationality |
Indian |
Age |
21 Years to 70 years |
Income |
You must have a regular source of income |
Credit Score |
As per Bajaj Finance risk policies |
See the detailed Insta EMI Card eligibility criteria and document list
The following charges are applicable on the Insta EMI Card
| Types of Charges | Charge Details |
|---|---|
₹530 (inclusive of all applicable taxes) |
Disclaimer: Additional fees and charges may apply when using the card.
Here are the 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 and click on 'CONTINUE'
Click your pre-qualified card loan offer amount and click on 'CONTINUE'
Review your wallet setup details and verify the OTP
Complete your Identity verification by confirming your current residential address.
Post successful identity verification, Pay a one time joining fees of ₹530/- (Inclusive of applicable taxes).
After successful payment, view your card details on the Bajaj Finance App
Note - The online process may vary depending on whether you are a new customer or already have an existing relationship with us.
100% Digital Process - You can apply for Insta EMI Card Online
No Annual Fees - No annual and renewal fees for the Insta EMI Card
1 Million+ Products - Shop for more than 1 million products on Easy EMI at leading partner stores across India.
4,000+ Locations - Shop at Bajaj Finance partner stores across 4,000 cities
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
For online purchases, see how to use the Insta EMI Card for online shopping, or read the full guide on how to use the Insta EMI Card.
These two are often confused, but they're built for different purposes and work quite differently in practice.
| Details | Insta EMI Card | Credit Card |
|---|---|---|
What it is |
A financing card designed for instalment purchases |
A revolving credit line for everyday spending |
Cash withdrawal |
Not available |
Available, but attracts a cash advance fee |
Repayment |
Fixed instalments over a chosen tenure |
Minimum due or full balance each billing cycle |
Where it works |
Only at partner stores in the network |
Anywhere the card network is accepted |
Annual fee |
Nil |
Varies by card |
The Insta EMI Card suits planned, larger purchases you want to spread across fixed instalments. A credit card suits everyday spending and gives you a revolving line you can draw on repeatedly. Read the full Insta EMI Card and Credit Card Comparison.
The Bajaj Finance Insta EMI Card lets you convert your purchases into Easy EMIs at the point of sale, without lengthy paperwork or waiting periods. Since the card comes with a pre-approved loan limit, you can walk into a partner store or shop online and instantly split your bill into monthly installments, with the amount reflecting in the Bajaj Finance app right away. Interest is charged on the financed amount, so the total repayment is higher than the product's price, but the convenience lies in speed and simplicity: no separate loan application, no fresh documentation, and no waiting for approval each time you want to make a purchase on EMI.
Approval process: With Easy EMI on the Insta EMI Card, your credit limit is pre-approved, so each purchase is converted to EMI instantly. Regular EMI usually involves applying for a fresh loan each time, with fresh approval and documentation.
Turnaround time: Easy EMI is near-instant at checkout, since the card already carries your sanctioned limit. Regular EMI can take longer, as the lender needs to process the loan application before disbursal.
Paperwork: Easy EMI needs little to no additional paperwork once the card is issued. Regular EMI often requires submitting documents and undergoing verification for every loan.
Flexibility of use: The Insta EMI Card can be used repeatedly across purchases and merchants within your available limit. Regular EMI is typically tied to a single purchase or loan account.
Cost structure: Both carry interest on the financed amount, but Easy EMI's cost and tenure options are usually visible upfront in the app at the time of purchase, making it easier to compare before you commit.
See current Insta EMI Card offers.
Understand how the Insta EMI Card works and enjoy its benefits.
Disclaimer
Reviewer
The Bajaj Finance Insta EMI Card, previously known as the Bajaj Finserv EMI Network Card, is a digital card that comes with a pre-qualified loan limit of up to ₹3 Lakh. You can use it at eligible partner stores and websites to convert purchases into easy EMIs. The repayment tenure ranges from 3 to 60 months. Each purchase is treated as a separate loan, with EMIs automatically deducted from your bank account.
No, the Bajaj Finance Insta EMI Card is not a credit card. It is an EMI financing card that lets you convert purchases into monthly installments at eligible partner stores and websites. Unlike a credit card, it does not offer a revolving credit facility or cash withdrawals. See the detailed Insta EMI Card vs Credit Card comparison.
The Bajaj Finance Insta EMI Card comes with a one-time joining fee of ₹530 (inclusive of applicable taxes) and does not have any annual or renewal charges. Additional charges, if any, depend on the EMI plan and offer selected.
Charges vary based on the product and offer selected. These may include a processing fee, interest charges, down payment (on select categories), or transaction charges at certain partner stores. Late payment and bounce charges may apply if you miss an EMI.
Not always. Purchases typically carry interest unless they are covered under a No Cost EMI offer. The availability of No Cost EMI depends on the product, retailer, and ongoing promotion.
The Bajaj Finance Insta EMI Card offers a pre-qualified loan amount of up to ₹3 lakh. Your initial limit depends on factors such as your credit profile, income, and repayment history. The limit may be revised based on your usage and repayment track record.
You can choose a repayment tenure ranging from 3 to 60 months, depending on the product and partner store.
You can apply for the Bajaj Finance Insta EMI Card if you are an Indian citizen aged 21 to 70 years with a regular source of income. Eligibility is subject to Bajaj Finance's risk policies.
To apply for the Bajaj Finance Insta EMI Card, you need your PAN Card and Aadhaar Card (or Aadhaar number for KYC verification).
Yes, you may be able to get the Bajaj Finance Insta EMI Card without a credit score. However, approval is subject to Bajaj Finance's eligibility criteria and risk policies.
Yes. Each purchase made using the Bajaj Finance Insta EMI Card is treated as a separate loan. Paying your EMIs on time can help build a positive credit history, while missed payments may impact your credit score.
The Bajaj Finance Insta EMI Card is a digital card and does not come with a physical card. Once issued, you can view and access your card details through the Bajaj Finance app.
To activate the Insta EMI Card, complete KYC, register an e-mandate, and set a four-digit PIN:
Complete KYC: for Online KYC (OKYC), enter your Aadhaar number and verify it with the OTP sent to your Aadhaar-linked mobile number. For Central KYC (CKYC), verify using your PAN and date of birth or your 10-digit mobile number.
Register an e-mandate so your EMIs are debited automatically from your bank account.
Set a four-digit PIN, which you will need for every transaction.
You can use the Bajaj Finance Insta EMI Card at over 1.5 lakh partner stores across 4,000+ cities and on eligible online platforms. It can be used across categories such as electronics, home appliances, furniture, healthcare, and travel.
No. The Bajaj Finance Insta EMI Card can only be used to purchase eligible products and services on EMI at partner stores and websites. It cannot be used to withdraw cash or transfer funds to a bank account.
Yes. Since the Insta EMI Card is offered by Bajaj Finance Ltd., the creation or activation of a Bajaj Pay Wallet is required to receive eligible cashback offers.
You can check your Bajaj Finance Insta EMI Card details through the Bajaj Finance app or customer portal:
Sign in using your registered mobile number and OTP.
Select your Insta EMI Card.
View your card details, available limit, validity, and transaction information.
Your card may not work due to insufficient available limit, overdue EMIs, e-mandate issues, or a card block. Check your card status through the Bajaj Finance app or customer portal and contact customer support if you need assistance resolving the issue.
If you have previously blocked your Bajaj Finance Insta EMI Card, you can unblock it through the customer portal:
Sign in to 'My Account' using your registered mobile number and OTP
Enter your date of birth for verification
Select your Insta EMI Card from ‘My Relations’
Click 'Unblock Card' under ‘Quick Actions’
Verify the request using the OTP sent to your registered mobile number
You can block your Bajaj Finance Insta EMI Card through the My Account customer portal or by calling customer care at +91 8698010101. Blocking the card promptly can help prevent unauthorized use.
If you miss an EMI, late payment and other applicable charges may apply. It can also affect your credit score and may impact your ability to use the Bajaj Finance Insta EMI Card.
Yes, you can prepay or foreclose an eligible loan associated with your Insta EMI Card, subject to the applicable terms, conditions, and charges.
No. The Bajaj Finance Insta EMI Card is intended for use only by the cardholder. To protect your account, do not share your card details, PIN, or OTP with anyone.
You can contact Bajaj Finance customer care at +91 8698010101. You can also raise service requests through the My Account customer portal.
The Bajaj Finance Insta EMI Card can be a good option if you want to buy products on EMI without a credit card. Key benefits include a pre-qualified loan offer of up to ₹3 lakh, access to 1.5 lakh+ partner stores across 4,000+ cities, repayment tenures of 3 to 60 months, and eligible no-cost EMI and zero down payment offers. However, a one-time joining fee of ₹530 applies, and certain purchases may attract processing fees, interest, or other applicable charges.
Yes. New customers can apply for the Bajaj Finance Insta EMI Card. The temporary RBI restriction on issuing the card to new customers was lifted in May 2024, and applications have since resumed.
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