Get No-Cost EMIs at leading online stores. Shop using your Bajaj Finserv EMI Network Card

What is No Cost EMI?

Zero Cost EMI, or no-Cost EMI, means if you buy a product on credit, no additional interest shall be paid on the principal. As a result, you end up paying only the actual price of the product in easy EMIs at no added cost whatsoever. The Bajaj Finserv EMI Network Card helps divide the cost of purchase into equal No-Cost EMIs over 3 to 24 months. One of the attractive features is that you can get zero down payment facility on select products. Thus, the meaning of no-cost EMI is as simple as the term itself.

How Does No Cost EMI Work?

No-cost EMI does not come with an interest factor like regular EMI. So, if you borrow ₹24,000 on your card to buy furniture on EMI, you repay only ₹24,000. This is irrespective of whether you opt for a 3-month, 6-month, 12-month, or 24-month repayment tenure.


For example, if you opt to buy a laptop on EMI or mobile on no-cost EMI, you will need to select the ‘No-Cost EMI’ option at the payment gateway along with the EMI card details, and the repayment tenure. Once you authenticate the payment, only the exact cost of the product would be deducted from your card. When you start paying the EMI for the purchase from the following month, no additional interest charges will be charged on the amount borrowed.

How to Avail No-Cost EMI?

It is easy to get a  no-cost EMI using an EMI card and this can be done in a few steps. Here is a step-by-step guide to understand the process of no-cost EMI and how you can get no-cost EMI with Bajaj Finserv EMI Network Card. 

  • Step 1: Apply for Bajaj Finserv EMI Network Card by visiting the customer portal - Experia or through Bajaj Markets.

  • Step 2: Submit your KYC details and claim exclusive Bajaj Finserv EMI Network Card offers.

  • Step 3: Once your card is active, you can enjoy a pre-approved loan of up to ₹2 Lakhs.

  • Step 4: When you shop on the Bajaj Markets online platform or any of the popular websites such as Amazon, MakeMyTrip, Flipkart, Paytm Mall, Yatra, Samsung, Pepperfry, Goibibo, etc. login using your credentials.

  • Step 5: Choose the product you like best and proceed to check out.

  • Step 6: At this stage, select Bajaj Finserv EMI Network Card as your preferred mode of payment.

  • Step 7: Select the repayment tenure and submit your request.

Advantages of No-Cost EMI

Are you in a dilemma to choose whether to choose no-cost EMI for your future purchases or not?  Check out the number of benefits you will get if you opt for no-cost EMI.

  • You can get a  no-cost EMI using an EMI card such as Bajaj Finserv EMI Network Card.

  • You can make huge purchases affordably and  conveniently at any partner stores and websites.

  • You don’t have to pay any additional charges as interest on the borrowed amount.

  • No-cost EMI is a popular payment plan and is available both online and offline.

Why Choose No-cost EMI with Bajaj Finserv EMI Network Card?

The no-cost EMI with Bajaj Finserv EMI Network Card is an alternative payment option to the traditional credit card that you can get by using your EMI card. Here are some reasons why you should choose Bajaj Finserv  no-cost EMI Network Card.

  • It lets you save more when you purchase products on EMI. 

  • When you use the no-cost EMI feature of the Bajaj Finserv EMI Network card, you convert the cost of purchasing items using the pre-approved loan into zero-cost EMIs. As a result, you do not pay anything more than the listed products cost. 

  • The Bajaj Finserv EMI Network Card also comes with over 1,000 exclusive offers and incurs zero foreclosure charges. 

  • You have the option of customising the repayment tenure on the Bajaj Finserv Customer Portal.

No-cost EMI Shopping - Shop with No Cost EMI Online at Bajaj Markets

Where to use the Bajaj Finserv EMI Network Card’s No-cost EMI

The no-cost EMI with the Bajaj Finserv EMI Network card can be used on online portals and e-commerce websites such as Amazon, MakeMyTrip, Flipkart, Oppo, OnePlus, MI, Goibibo, etc. It is also compatible with over 1,2 Lakh Bajaj Finserv partner stores across 2,900+ cities. You can use the pre-approved loan of up to ₹2 Lakhs to shop seamlessly. Simply browse through the catalogue of over 1.2 million products and get the items you like best on EMI without a credit card.

If you wish to claim these benefits too, you can apply for a Bajaj Finserv EMI Network Card through the 100% digital process in three quick easy steps on the Bajaj Markets website/app. If you are at a partner store, you can apply for a Bajaj Finserv EMI Network Card easily at the checkout counter by submitting minimal documentation.

Shop with No-Cost EMI at Bajaj Finserv Partner Stores

1. Lifestyle products on no-cost EMI

Purchase clothes, ornaments, jewellery, furniture, shoes, watches, etc. from over 500 international and domestic brands using the EMI card. Enjoy no-cost EMIs at Myntra, Lifestyle, Shoppers stop, Hush Puppies, etc., and save more.

  • Furniture on no-cost EMI

You can buy furniture on EMI to spruce up your home without paying any additional charges using the Bajaj Finserv EMI Network Card. Choose from sofas, beds, bookshelves, shoe racks, and more., from popular partner stores such as Hometown, Pepperfry and @home by Nilkamal.

2. Electronics on no-cost EMI

Any electronic items can be purchased from the Bajaj Finserv partner stores or websites using the EMI card.

  • Laptops on no-cost EMI

Buy the latest laptop from HP, Asus, Dell, Lenovo, Macbook on EMI, etc., while also helping you save more. All you need to do is use the Bajaj Finserv EMI Network Card and enjoy no cost EMI on Amazon, no cost EMI on Flipkart, etc., and get your favourite laptop seamlessly.

  • TVs at no-cost EMI

Want to get the latest TV for your home but don’t have the funds for it? Simply use the Bajaj Finserv EMI Network Card to buy a TV on EMI and enjoy your favourite movies and shows at home.

  • Mobiles on no-cost EMI

Get an Oppo on EMI, Realme on EMI, Vivo on EMI, Mi on EMI, OnePlus on EMI and more, using the Bajaj Finserv EMI Network Card. All these partner stores allow you to purchase phones at no cost EMI when you use the EMI Network card for purchases.

  • ACs on no-cost EMI

Do you want the latest AC for your home but don’t have the funds for it? Simply use the Bajaj Finserv EMI Network Card to buy an AC on EMI and beat the heat.

3. Travel reservations on no-cost EMI

Travel is made easy and convenient using the no-cost EMI facility and EMI card. 

  • Flight tickets on no-cost EMI

You can buy flight tickets on EMI too using the Bajaj Finserv EMI Network Card. The card is applicable on partner stores and lets you buy tickets on Goibibo at no-cost EMIs, MakeMyTrip on no-cost EMI, etc.

No-Cost EMI Option on Offline Stores

EMI cards need not only be used for online purchases. You can enjoy the benefits of zero cost EMI on your EMI card while shopping offline as well. EMI cards are a popular mode of payment for electronics purchases like TVs, washing machines, other devices and furniture. In fact, physical stores selling these products accept payments made with your no cost EMI card. 

When compared to online shopping, offline purchasing does not make for a seamless experience. Remember that you may have to incur a basic purchase amount to enjoy the benefits of a no cost EMI card. Sometimes, stores also ask for physical documentation before buying an appliance or piece of furniture with an EMI Card.

Regardless, no cost EMI cards remain an attractive payment option that can help you better manage your finances while making a big ticket purchase. Some stores that accept no cost EMI cards include:

  • Big Bazaar

  • Croma

  • Vijay Sales

  • Central


  • Raymond

  • Reliance Digital

  • Sangeetha Electronics

Here’s the step-by-step process of availing no cost EMI using your EMI Network Card at offline stores:

  1. Select the product of your choice

  2. Select an EMI option ranging between 3 and 24 months

  3. Fill a form containing your details like name, phone number, address, EMI option and signature

  4. Provide photocopies of address and identity proofs

  5. Finish the documentation procedure and complete your purchase.

How Can You Pay the Overdue EMIs on Your Bajaj Finserv EMI Network Card? 

The Bajaj Finserv EMI Network Card allows you to buy products and services across a range of online and offline stores and platforms. You can easily repay these in monthly instalments or EMIs over a chosen tenor that often ranges from 3 to 24 months. 

Sometimes, you may fail to make the EMI payments on time. As a result, you risk getting your EMI Network Card blocked or deteriorating your credit score. It is in your best interest to clear these dues and avoid paying a penal interest charge on amounts overdue.

You can easily make your overdue payments by following a few simple steps:

  1. Log in to the Bajaj Finserv customer portal

  2. Go to ‘Quick Pay’

  3. Select ‘Online payment’

  4. Click on ‘EMI & overdue payments’

  5. Choose LAN and initiate the payment.

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FAQs about No Cost EMI

✔️How can I use EMI without cost?

EMI without cost is an advantage you can get when you use your Bajaj Finserv EMI Network Card at the time of payment at partner stores online and offline. The pre-approved loan of up to ₹2 Lakhs on the card lets you buy the products of your choice. You are not charged any additional cost on your EMIs throughout your preferred repayment tenure.

✔️I want to change my EMI plan after the transaction. Is it possible?

 No. Unfortunately, you cannot change your EMI plans post transaction.

✔️What is no-cost EMI and how does it work?

No-cost EMI means that there is no interest charged over and above the principal cost of purchasing a product. As a result, the interest value that would have been charged on the product is deducted from the actual cost of the product.

✔️What is the benefit of no-cost EMI?

The no-Cost EMI option is ideal for purchasing high-value products without having to pay extra interest costs on top of the regular EMIs. As a result, unlike other forms of credit, the EMI card lets you pay only the actual cost of the item you buy.

✔️What is a no-cost EMI example?

Take a look at this example to understand no-cost EMI. Imagine purchasing the latest iPhone on EMI, using your Bajaj Finserv EMI Network Card at ₹60,000. You will only have to pay ₹5,000 every month if you have a 12 months repayment tenure (₹60000 divided by 12) for the next year. No interest amount will be levied from you since the card offers the no-cost EMI feature.

✔️Is no-cost EMI a good option?

If you do not wish to spend additional money as interest charges on your borrowed funds, no-cost EMI is a great option, especially when you are making big-ticket purchases.

✔️Will I be given a no-cost EMI option on exchanging an old product to purchase a new one while shopping online?

Yes, you can choose to opt for a no cost EMI option when you exchange an old product to buy a new one during online shopping. The amount of EMI on such a purchase shall be calculated after adjusting the value of the old product.