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Shop for the latest split ACs on Easy EMIs without a credit card.
Last updated on: Nov 05, 2026
A split AC is a step up from a traditional window AC, as it uses two separate units. The compressor unit, or the air-cooled condensing unit, is placed outside, whereas the air-handling unit is inside the room where the AC is fixed.
If you are looking for an AC with lower power consumption, a high energy-saving star rating and a convertible cooling option, without paying the full amount upfront, you can buy a split AC on EMI. The Bajaj Finance Insta EMI Card lets you do this without a credit card, with repayment spread across a tenure of 3 to 60 months.
The latest split AC models from brands such as Daikin, Voltas, LG, Hitachi and Godrej can be bought on Easy EMIs using the Insta EMI Card, which comes with a pre-qualified loan offer of up to ₹3 Lakhs. Since a credit card is not required, the card can be used at partner stores and on partner e-commerce platforms, with a flexible repayment tenure and zero foreclosure charges.
The table below lists some current split AC models available at Bajaj Finance partner stores, along with an indicative monthly EMI over a 12-month tenure.
| Brand | Model | Capacity | Star Rating | Price | Approx. EMI from |
|---|---|---|---|---|---|
Daikin |
1 Ton Inverter Split AC |
1 Ton |
3 Star |
₹33,490 |
₹2,791/month |
Voltas |
Maha Adjustable 5-in-1 Inverter Split AC |
1.5 Ton |
5 Star |
₹40,990 |
₹3,416/month |
LG |
AI Convertible 6-in-1 Dual Inverter Split AC |
1 Ton |
3 Star |
₹34,990 |
₹2,916/month |
Hitachi |
Yoshi 5400FXL Inverter Xpandable Split AC |
1.5 Ton |
5 Star |
₹41,990 |
₹3,499/month |
Godrej |
5-in-1 Convertible Inverter Split AC |
1.5 Ton |
3 Star |
₹30,990 |
₹2,583/month |
A 1 Ton split AC is generally suited to small rooms of up to about 120 Sq Ft, while a 1.5 Ton unit can cool medium-sized rooms of roughly 150 to 180 Sq Ft. Higher star ratings indicate lower power consumption over the year, which is worth weighing against the upfront price.
You can also explore eligible AC on EMI options across different types and capacities based on your cooling requirements.
Disclaimer: Prices, EMI amounts and model availability are indicative and may vary by partner store, location and ongoing offers. EMI figures are calculated over 12 months and will differ with the tenure selected.
To buy a split AC on EMI using the Bajaj Finance Insta EMI Card at a Bajaj Finance partner store or on a partner e-commerce platform, follow the steps mentioned below:
Step 1: Visit a website that accepts this card
Step 2: Log in using your credentials
Step 3: Browse through the split AC options
Step 4: Select the split AC of your choice and proceed to checkout
Step 5: Select the Insta EMI Card as your payment method
Step 6: Select the repayment tenure you want
Step 7: Submit your request and validate it with the OTP sent to your registered mobile number
The Insta EMI Card offers financing and repayment features that may help spread the cost of purchasing a split AC across monthly instalments.
Pre-qualified loan amount: Access a pre-qualified loan offer of up to ₹3 Lakhs to make purchases without a credit card
Easy EMIs: Convert the cost of the split AC into monthly instalments, and use the EMI Calculator to see how the EMI changes with the tenure chosen
Flexible tenure: Repay the loan over a tenure of your choice, ranging from 3 to 60 months
Zero down payment: Buy a split AC with zero down payment on select models, with same-day delivery available at select partner stores
Zero foreclosure charges: Pre-close your loan at any time after your first EMI has been paid, without attracting any foreclosure charges
Reviewer
Yes. A split AC can be purchased on EMI without a credit card using the Bajaj Finance Insta EMI Card at participating online and offline partner stores. Eligible customers who do not have the card can apply through Bajaj Markets, subject to the applicable eligibility and approval criteria.
Yes. You can purchase an eligible split AC from a participating store or website, including Amazon or Flipkart, and select the Insta EMI Card as the payment option. The available repayment tenure can then be selected and the transaction confirmed using the OTP sent to the registered mobile number.
Yes. Zero down payment may be available on select split AC models purchased using the Insta EMI Card at participating online and offline partner stores. Availability depends on the model, partner store and offer applicable at the time of purchase.
Interest depends on the applicable EMI offer. Under an eligible Easy EMI offer, the instalments may add up to the product price without an additional interest cost. Processing fees or other applicable charges may still apply as per the terms displayed at checkout.
A 1.5 Ton split AC at partner stores may start at around ₹30,990 for a 3 Star model and go up to about ₹41,990 for a 5 Star model. For a 12-month tenure, this corresponds to an indicative monthly amount of about ₹2,583 to ₹3,499 before any applicable fees or charges. Minimal or zero down payment may be available on select models.
Yes. Eligible split, window and portable ACs from various brands can be purchased using the Insta EMI Card at over 1.5 Lakh partner stores across 4,000+ cities and participating e-commerce platforms. Repayment tenures of 3 to 60 months are available, subject to the applicable product and EMI plan.
A 1.5 Ton AC is generally suited to a room of around 150 to 180 Sq Ft. Actual cooling requirements can vary based on ceiling height, insulation, windows, direct sunlight and the number of occupants.
No. The Insta EMI Card has a one-time joining fee of ₹530, inclusive of applicable taxes, and does not carry an annual or renewal fee. Processing fees, interest or other charges may apply to individual purchases depending on the selected EMI plan.
Indian citizens aged between 21 and 70 years with a regular source of income can apply for the Insta EMI Card. Approval is subject to the applicable eligibility and risk assessment criteria, and PAN and Aadhaar details are required for the digital application process.
The Insta EMI Card provides a pre-qualified loan offer of up to ₹3 Lakhs. The amount sanctioned to an individual customer depends on factors such as the applicant's credit profile, income and repayment history and may be revised subsequently.
A missed EMI may result in late payment, bounce or other applicable charges according to the loan terms. Delayed or missed repayments may also be reported to credit bureaus and affect the CIBIL score, while continued use of the card is subject to the applicable account and lending terms.
No. The Insta EMI Card does not provide cash withdrawals or direct transfers to a bank account. It is intended for financing eligible purchases at participating partner stores and websites, including eligible lower-value purchases within the sanctioned limit.
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