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Bajaj Finserv EMI Network Card Interest Rate

The best feature that sets the Bajaj Finserv EMI Network Card apart is that it has no interest charges associated with it. With the benefit of the No Cost EMIs, you are only required to pay a processing fee or a down payment for some purchases. 


This means that the Bajaj Finserv EMI Network Card interest rate is essentially nil. You can use the card to buy items on EMI without credit card and convert the payment into easy EMIs. You can also choose a tenure going up to 60 months. 


What’s more, you can enjoy this benefit online and offline, at all 1.5+ lakh partner stores spread across 4,000+ cities. To sum it up, here are a few pointers about the Bajaj Finserv EMI Network Card:

  • No interest on your purchase of products/services available on No Cost EMI

  • No foreclosure charges if you foreclose the loan after the payment of the first EMI

  • Zero down payment on select products purchased with a Bajaj Finserv EMI Network Card 

  • Minimal convenience fee depending on the type of product you purchase

  • Annual fee of just ₹117, applicable only if you have not used your card in a year

  • A one-time fee of only ₹530 is charged at the time of application

Key Features and Benefits of the Bajaj Finserv EMI Network Card

This EMI card offers numerous features that allow you to enjoy several benefits. 

1. Purchase What You Want

With this card, you can shop at partner stores freely. With a massive network of merchants, there is a vast number of products available for financing through this EMI Card by Bajaj Finserv. 

The Bajaj Finserv EMI Network Card interest rate is also nil, making it a better alternative than credit cards that come with high interest rates. Moreover, you can get a limit of up to ₹2 Lakhs, enabling you to make bigger purchases seamlessly and affordably! 

2. Repay Conveniently and Comfortably

Besides the Bajaj Finserv interest rate on the EMI Card being nil, you also have the benefit of flexible repayment. With a repayment tenure going up to 60 months, you can ensure that you pay for your purchases without burning through your savings. 

3. Minimal Down Payment

You can buy certain products with zero down payment when using this EMI card. For those that do require a down payment, the amount is nominal, making it feasible for most shoppers. 

4. Minimal Processing Fee

Just like the down payment, the processing fee for purchases made with a Bajaj Finserv EMI Network Card is minimal. This makes your purchases even more affordable and cost-effective down the line. 

5. Exciting Offers

By shopping with this EMI card, you also get access to a host of offers made available by partner merchants. These offers add to the benefits you already enjoy with the card. 

6. Safe and Easy Online Shopping

The preferred method of buying and paying for many consumers today is online. Here, ensuring the safety and security of your sensitive information is crucial. With its several security layers, you can rest assured that your payment through this EMI card is secure. 

7. Foreclosure as Per Customer’s Direction

You get the option of foreclosing your loan after the first EMI at no additional cost. This allows you to foreclose your account whenever you want and clear your outstanding dues. 

8. Zero Hidden Charges

The Bajaj Finserv Network EMI Network Card has no hidden costs. You do not pay anything extra, and all costs are disclosed to you at the time of purchase. 

9. Minimal and easy paperwork

The process of applying for the EMI Card is easy and requires minimal documentation. At the time of the purchase, you do have to submit any additional documents.

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Eligibility to Apply for the Bajaj Finserv EMI Network Card

Now that you have understood that the Bajaj Finserv EMI Card interest rate is negligible, check out the parameters that you need to fulfil to be eligible. The eligibility requirements for this EMI card are as follows:  

  • You must be between 21 and 60 years 

  • You must have a stable income

  • You must have a good credit score


If you meet these requirements, your chances of approval increase. You are also required to submit the following paperwork with the application form:  

  • PAN Card

  • Address proof

  • A cancelled cheque

  • Completed and undersigned ECS Form

Process to Apply for the EMI Network Card

There are two ways in which you can apply for a Bajaj Finserv EMI Network Card - online and offline. Here is how:

1. Online 

If you meet the eligibility criteria, you can apply for the EMI Card through this website by clicking ‘APPLY NOW’ and entering your number. After you enter the OTP, complete the application process and pay the fee. Upon approval, you will instantly receive the card.

2. Offline

When making purchases at any of the Bajaj Finserv partner stores using the EMI mode, you also have the choice to apply for and pay using the EMI Card. Bajaj Finserv executives present in these stores will guide you through the application process. 


With No Cost EMIs, a vast selection of products and exclusive offers are readily available. These features make it a must to ensure that you get what you want while safeguarding your current and future finances.

Shop at the Bajaj Finserv Partner Stores

Your EMI card grants access to the Bajaj Finserv EMI Network, allowing you to buy products from a host of partners ranging across segments from lifestyle to luxury. In fact, you can shop with your EMI card at over 1.5 lakh retail partner stores as well as online partners.  


You can even use your Bajaj Finserv EMI Network Card and avail of exciting offers and discounts. Best of all, these partner stores are accessible in 4,000 cities across India, ensuring easy access to products and services. 


Some of the leading partner stores where you can purchase products at no interest rate on the Bajaj Finserv EMI Network Card:  

  • Flipkart

  • Amazon

  • Vijay Sales

  • Croma

  • MakeMyTrip

  • Reliance Digital


Whether you choose to shop online or at the storefront, you can shop affordably by converting big-ticket purchase payments into manageable EMIs. As such, with this tool, you can shop as per your heart’s desires and get the products you want on affordable terms. 

FAQs on Bajaj Finserv EMI Network Card Interest Rate

There are no interest charges levied on using the Bajaj Finserv EMI Network Card for purchases. Simply put, the Bajaj Finserv EMI Card interest rate is essentially nil as it lets you buy the items you like at No Cost EMI.

After paying the first EMI, you will pay no foreclosure charges for foreclosing your loan.

If the purchase is eligible for No Cost EMI, the Bajaj Finserv EMI Network Card’s interest rate will be zero. This will be applicable even if the purchase is ₹1 Lakh.

Yes, if the product you are buying is eligible for No Cost EMIs, then it is an interest-free purchase. 

With this EMI card, there is no minimum purchase requirement. You can purchase whatever you want as long as it is within your available card limit.

No, you cannot use this card to withdraw cash from ATMs or other machines or platforms.

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