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Loan offer up to Rs.3 lakhs | Instant approval | 4-Step Process
Last reviewed on: Sep 03, 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 across 4,000 + cities. Use the 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.
Easy EMI: Many partner merchants offer 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 loan amount up to ₹3 Lakh for purchases
Before you apply for the Insta EMI Card, understand the prerequisites for a seamless and quick application. To qualify, you need to meet the below criteria:
Nationality |
Indian |
Age |
21 Years to 65 years |
Income |
You must have a regular source of income |
Credit Score |
As per Bajaj Finance risk policies |
PAN card
Aadhaar card
The following chargers 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.
Understand how the Insta EMI Card works and enjoy its benefits.
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
Ans: 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).
Ans: It is a simple, convenient, and affordable financing solution for all your shopping needs. This card comes with a pre-qualified loan amount of up to ₹3 Lakhs. You can use this loan to purchase over a million products on EMI.
Ans: The Bajaj Finance Insta EMI Card offers flexible repayment tenure options of up to 60 months.
Ans: You can call Bajaj Finance customer care helpline in case of any queries. You can call on +91-8698010101.
Ans: 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.
Ans: 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.
Ans: Yes, you can visit the Bajaj Finance offline partner stores and buy products on EMI using the Insta EMI Card.
Ans: Bajaj Pay Wallet may be required for selected Insta EMI Card offers, cashback benefits, and seamless transactions.
Ans: You can use it across partner online and offline stores that accept Bajaj Finance EMI payments.
Ans: It can be used for electronics, appliances, furniture, healthcare, travel, and more.
Ans: The issue may be due to insufficient limit, card blockage, or technical restrictions.
Ans: If you had blocked your Insta EMI Card earlier and wish to start using it again, you can reactivate it through the Bajaj Finance customer portal.
Follow these steps:
Log in to ‘My Account’ using your registered mobile number and OTP.
Complete the verification process by entering your date of birth.
From the ‘My Relations’ section, select the Insta EMI Card you want to reactivate.
Under ‘Quick Actions’, click 'Unblock Card'.
Verify the request using the OTP sent to your registered mobile number and submit it.
Ans: Applicants generally need to be between 21 and 65 years of age.
Ans: You can apply online through the Bajaj Finance website or mobile app.
Ans: Basic KYC documents such as PAN, Aadhaar, and address proof are typically required.
Ans: Eligible customers may receive the card instantly after successful verification.
Ans: Card details can be accessed through the Bajaj Finance app.
Ans: A one-time joining fee of ₹530/- (Inclusive of applicable taxes) may apply as per the current terms and conditions.
Ans: No. The Bajaj Finance Insta EMI Card does not have any annual or renewal charges.
Ans: Log in to the app and navigate to the Insta EMI Card section to view card details.
Ans: Eligible transactions may earn cashback, rewards, or exclusive partner offers.
Ans: The wallet enables cashback credits, offer redemption, and faster digital payments.
Ans: Cashback is usually credited within the offer-specific timeline after a successful transaction.
Ans: It converts eligible purchases into affordable monthly instalments without upfront payment.
Ans: Yes, it is secured with authentication measures and industry-standard safety protocols.
Ans: Some purchases may be available on easy EMI, subject to merchant and offer terms.
Ans: No, the card is designed for EMI purchases and not for direct cash borrowing.
Ans: Yes, advance EMI payments may be allowed as per the lender's policies.
Ans: No, it is an EMI financing card and not a traditional credit card.
Ans: Salaried and self-employed individuals meeting the lender's eligibility criteria can apply.
Ans: It is beneficial for customers looking for flexible EMI financing on purchases.
Ans: No, cash withdrawal is not available through the Insta EMI Card.
Ans: The minimum purchase amount varies by merchant and financing offer.
Ans: You can check your available limit through the Bajaj Finance app or customer portal.
Ans: Activate the card, select an eligible product, and choose an EMI plan at checkout.
Ans: The first EMI is calculated based on the purchase amount, tenure, and applicable charges.
Ans: The deduction may be pending due to billing cycle timelines, mandate issues, or processing delays.
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