Fees and Eligibility of EMI Card

Bajaj Finserv EMI Card Eligibility and Loan Details

Bajaj Finserv EMI card is an advanced online payment instrument to help you shop for the latest products on easy and convenient EMIs on the Bajaj Finserv EMI Store. The EMI store is an online space by Bajaj with a plethora of products to choose from. You can buy the best electronics, home appliances, home décor and furnishing, lifestyle products and more on the Bajaj EMI store using the Bajaj Network card – both online and offline.


What is the Eligibility for Bajaj EMI Card? 


Bajaj Finserv EMI card eligibility:

  • The applicant must be at least 21 years old (and less than 60) to apply for the Bajaj Finserv EMI card.
  • The applicant must have a regular source of income.


At the time of application, the applicants must have the following basic documents:

  • Aadhar Card
  • PAN Card
  • Cancelled Check
  • ECS Mandate (duly signed)
  • Passport-sized Photographs


What are the different kinds of EMI cards available?

Bajaj Finserv EMI Network Card comes in two variants – Gold and Titanium.

Bajaj Finserv Gold EMI Card

Bajaj Finserv Gold EMI Network Card provides you with the ability to make expensive purchases on easy EMIs. With this card, you can avail a pre-approved loan amount which can be conveniently used both online and offline. Along with that you can also get pre-approved offers which will be communicated to you post approval through SMS on your registered mobile number.

Bajaj Finserv Titanium EMI Card

Bajaj Finserv Titanium EMI Network Card is an advanced version of the Gold Card. It has all the general benefits of the Gold Card, but along with that it provides you with a higher pre-approved loan amount of up to Rs. 3,00,000. Titanium Card holders are also eligible for express personal loan from Bajaj Finserv and pre-approved offers on their other loan products.

Bajaj Finserv EMI card joining fee differs both cards. Here are the Bajaj Finserv EMI card charges for joining on both variants of the card:


Bajaj EMI Card Fees

EMI Card

Joining Fee

Bajaj Finserv Gold EMI Card

₹ 412

Bajaj Finserv Titanium EMI Card

₹ 884


Along with this, a minimal charge of Rs. 117 will be charged annually if the user does not take any loan in the preceding year, which is 12 months from last year’s validity month (as printed on the card). 

 Fees and Charges on Different Products

Here is all you need to know about the Processing Fees of different products on the EMI Store:


  • For electronics like smartphones, tablets and laptops, the processing fees is Rs. 549.
  • For cameras, it is Rs. 767. 


  • For appliances like refrigerator, ACs, Microwave, the processing fees is Rs. 549 + applicable taxes.
  • For washing machines, it is Rs. 649 + applicable taxes.

Life care Treatments

  • Eye care, Bariatric surgery, Laparoscopy, Hair restoration and others: Rs. 767

Home, kitchen & furniture

  • Furniture, home decor, mattress, others: Rs. 767
  • Modular kitchen: Rs. 1017

Sports, Fitness, Travel

  • Sports and fitness equipment: Rs. 767
  • Flight tickets and holiday packages: Rs. 479

Men’s Fashion

  • Transactions up to Rs. 9999 - Convenience Fee of Rs. 49 + GST
  • Transactions of Rs. 10,000 - Convenience Fee of Rs. 99 + GST

Over limit Fee: Rs. 49 + GST (if customer has transacted for more than his card limit)

Women’s Fashion

  • Transactions up to Rs. 9999 - Convenience Fee of Rs. 49 + GST
  • Transactions of Rs. 10,000 - Convenience Fee of Rs. 99 + GST

Over limit Fee: Rs. 49 + GST (if customer has transacted for more than his card limit)


Gold EMI Network Card

Buy everything you want, from the latest gadgets to electronics to furniture with the Gold EMI Network Card, and pay for it all in easy EMIs.

 Frequently Asked Questions

What is the limit of pre-approved loan on the EMI Card?

The limit of pre-approved loan on the EMI Card is up to Rs. 4 lakhs.

How do I block my EMI Card if it gets stolen?

If you lose your card, or if it gets stolen, you can call the Bajaj Finserv EMI Card customer care on 020-39575152 to report of loss of card and block the same

What is the validity of my Bajaj EMI card?

To check the Bajaj Finserv EMI card validity and limit, log into Experia with the ID and password provided to you by Bajaj Finserv. For further details, you can contact the company’s customer service representative.

What would be my customer ID and password?

Customer ID is mentioned on the reverse of the EMI card. Set up your account using this ID and the OTP that is sent to your registered mobile number, or simply SMS ‘EXPERIA’ to +91 9227-56-4444 from your registered mobile to receive your username and password.

Bajaj EMI card offers online shopping for a myriad range of products and new launches on the EMI store – appliances such as Refrigerators, Air-Conditioners, Washing Machines, Microwave/Ovens, Water Purifiers, Inverters/Generators; electronics such as Smartphones, Tablets, Laptops, TV & Home Entertainment Sets, Speakers and Cameras; home, kitchen & furniture products; fitness, travel and fashion deals, and a lot more, with no added cost, absolutely zero down payment, great customized deals and 4-hour speedy delivery!

Want to know what are the offers on Bajaj EMI Card? For more hot offers and great deals, head over to our hot deals page. To know more about the EMI Card and everything else that it offers, head over to our other EMI card pages.

In case you don’t have an EMI card, this is how you can apply for it:

If you are already a Bajaj Finserv customer and are eligible for an EMI Card, you can apply for the same through the customer portal on the website. Simply log-in to your account, view all the loan details and apply for the EMI Card. You can also apply for an EMI Card directly when purchasing electronics, lifestyle or other products on easy EMIs through any of our partner stores on the EMI Network

Fees and Eligibility