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EMI cards are becoming an increasingly popular way of making purchases nowadays. Using the concept of Equated Monthly Instalments, EMI cards make the process of borrowing in order to fund a purchase smoother and seamless. Making purchases on loans has conventionally been a long and winding process - deterring people from opting for this route. EMI cards facilitate hassle-free purchases on loans which can then be repaid in easy equated monthly instalments at a tenure of your choice - ranging from 3 months to 24 months. The ease of the process alone is encouraging enough to get the latest model of that smartphone you have been eyeing for a while or to upgrade to a better washing machine for your family or book that holiday you have been postponing due to the gigantic expense it would entail. With the possibility of EMI-based purchases - especially with the convenience accorded by an EMI card, you don’t have to think twice.
One of the most popular, hassle-free, fast and convenient EMI cards is the Bajaj Finserv EMI Network Card. It acts as a payment instrument that can be used to make purchases, ranging from electronics to travel bookings to furniture, on easy EMIs. The way it functions is this: it comes with a pre-approved loan amount, and can be used to make purchases both online and offline. The payment of the full amount can be done through instalments. The Bajaj Finserv EMI card includes a pre-approved loan of up to Rs. 4 lakhs with customized EMI options, zero down payment, minimal processing fees, and documentation requirements.
Bajaj Finserv Online EMI Card offers four tenure variant plans. 3, 6, 9 and 24-month EMI plans. Depending on your purchase, relevant plans will be shown on the payment page during checkout. You are free to choose from among the available plans as per your convenience. Where else would you be given the freedom to plan financially for your purchases according to your convenience?
As mentioned, the Bajaj Finserv EMI cards come with a pre-approved loan amount of up to Rs 1.5 lakhs. The exact amount of the pre-approval for purchases is decided at the time of your EMI card application. In any case, this amount means that you can be carefree as you shop on the EMI store of the partner stores for gadgets, appliances, travel, etc up to the approved amount without any further intervention at all. Yes, you read that right. As an existing EMI Network Cardholder, you do not need to furnish any further document at the time of each purchase. You do not need any further approval or authentication from Bajaj Finserv at the time of purchase. Bajaj Finserv EMI Card also ensures safe and secure transactions, just like any wallet, debit card or credit card would function at the checkout window of your device. Every time you make a purchase, you will receive SMS on your registered mobile number. When making online transactions, you will receive an OTP on the number to authenticate it.
You can choose from repayment tenure of 3, 6, 9, 12, 18 or 24 months as per your convenience.
Dividing your purchase into easy instalments will be easy on your pocket and there are even zero downpayment offers available on the Bajaj Finserv EMI Store. Auto-repayment setup, a one-time setup that is done during registration, is also provided so as to facilitate easy repayments.
When you have the convenience of the Bajaj Finserv EMI Network Card, you can buy products across the Bajaj Finserv EMI Network, whether it is on the Bajaj Finserv EMI Store or any of the partner stores, on easy EMIs. You can pay only the cost of your product over a convenient tenor as your EMI amount and nothing more. This means that you end up with huge savings on all your purchases. When it comes to the interest rate on your purchase on EMI, you may or may not have to pay a nominal interest. This may depend on the product you purchase on the EMI Network. When you place an order, you can find an interest rate in accordance with your chosen EMI plan. Moreover, you can check it on your dashboard of Bajaj Finserv Direct App, once you place the order. All the information about your transactions is available on Experia portal and on the Bajaj Finserv Direct App, where you can easily keep a track of your Bajaj Finserv Online EMI Card transactions. You can also find the following information on the dashboard:
1. Your Approved limit, Utilized Limit & Available Limit,
2. Account status of your Bajaj Finserv Online EMI Card and reason if it is blocked,
3. Due date and due amount, and
4. Transaction History with order ID, among other things.
As for the other fees and charges, you need to make a one-time payment of Rs.530 to avail the Bajaj Finserv Online EMI Card. There is no purchase fee for any transaction through the EMI card. However, a minimal processing fee will be charged for every transaction you make using the card.
In fact, one of the most unique features of the Bajaj EMI Card is that it does not charge any amount as foreclosure charges if you want to repay and close the loan before the predefined tenure. This is a big advantage and edge it has over credit cards.
You can use your Bajaj EMI card online for the purchase of a wide variety of your favourite and latest products, including new launches on the Bajaj Finserv EMI store – whether it is electronics such as smartphones, tablets, laptops, TV & home entertainment sets, speakers and cameras; or appliances for your daily needs such as refrigerators, air-conditioners, washing machines, microwave/ovens, water purifiers, inverters/generators; home, kitchen & furniture products; and even fitness, travel and fashion offers.
With your Bajaj Finserv EMI Network Card you can easily convert your purchases into EMIs with a single swipe and no hassle - that too, at minimal processing and/or interest charges.