Bajaj Insta EMI Cards


The Bajaj EMI Cards is made to convert your purchases into affordable EMIs, giving you the freedom to buy and pay at your convenience. Specifically crafted to ease purchases, the Bajaj Finserv Insta EMI Card provides a digital solution for easy financing. With approval in just 40 seconds, the Insta EMI Card enables you to shop seamlessly across leading online platforms and retail outlets in more than 4,000 cities.


This card aims to make both small and large purchases and convert them into manageable EMIs through Bajaj Finance’s Insta Credit. This webpage includes information about everything you need to know about the Bajaj Insta EMI Card, including details on processing fees, required documentation, exclusive offers, and flexible repayment options.

Bajaj Insta EMI Cards provide you with a card loan limit of up to ₹3,00,000 under Zero down payment.

Bajaj Insta EMI Cards Processing fee

The Bajaj Insta EMI Card offers a pre-approved loan limit of up to ₹3 lakh, enabling you to make easy purchases and repay in affordable installments. This table concisely outlines the fees associated with the Bajaj Insta EMI Card, including any additional charges that may apply

Type of Fee Applicable Charges
EMI Network Card Fee ₹7530 (inclusive of taxes)
Note:Additional charges will be applied only after usage

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Documents Required for Bajaj Insta EMI Card

To complete your Bajaj Insta EMI Card application, you’ll need to provide the following documents to help verify your identity and set up your account. These documents make it easy to apply and start enjoying the benefits of the Bajaj Insta EMI Card:

  • PAN Card: Used to confirm identity and streamline the approval process for your Insta EMI Card application.
  • Aadhaar Card Number: Required for KYC verification, ensuring quick and secure approval.
  • Bank Account Number and IFSC Code : Needed to register your e-mandate, which simplifies your payments and manages any Bajaj Insta EMI Card charges directly.

Key Features of Bajaj Insta EMI Card

The Bajaj Finserv Insta EMI Card is designed to make your shopping experience easier by providing instant credit through a 100% digital process, with approval in as little as 30 seconds. Whether you’re looking to split your purchases into manageable monthly installments or benefit from exclusive schemes, the Bajaj Insta EMI Card offers flexibility and convenience. Here are some of the top features and benefits.

  • 100% Digital Process: Applying for the Bajaj Finserv Insta EMI Card is seamless and quick, taking less than 10 minutes to complete, with instant approval within 30 seconds.
  • Zero Down Payment: Enjoy zero down payment on a wide range of products available through over 1.5 lakh partner stores.
  • Lower-EMI Special Schemes: Choose special EMI schemes that offer extended repayment terms to lower your monthly installments.
  • Everything on EMIs: From daily groceries to fitness equipment and home appliances, convert your everyday purchases into manageable Easy EMIs.
  • Accepted at 1.5 lakh+ Stores Nationwide: Use the Bajaj Finserv Insta EMI Card across 4,000+ cities in India at partner stores for all your purchases, from groceries to electronics

Benefits of Using Bajaj Insta EMI Card

Trusted by over 4crore+ customers, the Bajaj Insta EMI Card helps to initiate purchases easier and more manageable. With a quick, 100% digital application process and approval in just 30 seconds, the Insta EMI Card is your fast track to flexible financing across a wide range of products and services. Here’s why it’s worth getting:

Exclusive Offer: Extra Benefits with Your Bajaj Insta EMI Card

  • Free SonyLIV Subscription: Enjoy a 6-month SonyLIV mobile-only subscription, valued at ₹419, at no extra cost. (Terms & Conditions apply)
  • Cashback up to ₹1,000: Receive an assured cashback of ₹1,000 on your first in-store transaction when you sign up for a Bajaj Prime membership. (Terms & Conditions apply)

Note: Please note that terms and conditions apply to these offers, so check the details to make the most of your benefits.

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Eligibility Criteria for Bajaj Insta EMI Card

To apply for the Bajaj Finserv Insta EMI Card, you must meet certain eligibility requirements. If you satisfy these basic criteria, simply provide the necessary documents to complete your application. Here are the details for Bajaj Insta EMI Card eligibility:

Eligibility Criteria Requirements
Nationality Indian
Age 21 to 65 years
Income Regular source of income required
Credit Score Must meet Bajaj Finance risk policy standards

Steps to Apply for Bajaj Insta EMI Card

To quickly apply for your Bajaj Insta EMI Card, follow this step-by-step guide and get started in minutes:

Step1: Enter your 10-digit mobile number and click on "GET IT NOW" at the top of the page.

Step2: Enter the OTP received on your mobile and submit to verify.

Step3: Enter your full name and select "Yes, Auto-Fetch Details" to retrieve your information.

Step4: Review your pre-filled personal details, select your gender and employment type, and then click "PROCEED."

Step5: View your pre-approved offer and confirm.

Step6: Click on "Proceed" to verify your KYC details.

Step7: After successful KYC, pay a one-time joining fee of ₹530.

Step8: Click "Activate Now" and enter your bank account number and IFSC code to complete the e-mandate registration.

Step9: Upon successful registration, your card is ready to use.

Note: The online application steps may vary slightly based on whether you are a new customer or already have an existing relationship with Bajaj Finserv.

Repayment Options and Tenure

The Bajaj Insta EMI Card offers flexible repayment options and tenure to suit different financial needs, allowing you to spread the cost of your purchases into manageable monthly installments. Here’s how you can manage repayments with ease:

With these repayment options, the Bajaj Insta EMI Card provides the convenience and flexibility to manage purchases on your own terms.

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Frequently Asked Questions

No, the Bajaj Insta EMI Card is not free. It requires a one-time joining fee of ₹530, inclusive of applicable taxes.

The Bajaj Insta EMI Card is valuable for regular purchases, offering a ₹3 lakh pre-approved limit at 1.5 lakh partner stores in 4,000+ cities with flexible repayment options.

No, the Bajaj Finserv EMI Card is not lifetime free. While there is a one-time joining fee, an annual fee of ₹117 (inclusive of taxes) is applicable if you do not use the card for any loan transactions in the preceding year.

To avoid the annual fee of ₹117, ensure you use your Bajaj EMI Card for at least one loan transaction within a 12-month period. The annual fee is only charged if the card remains inactive for a year.

Yes, you can use the Bajaj Insta EMI Card for both online and offline purchases. It's accepted at over 1.5 lakh partner stores across 4,000+ cities and on leading online platforms.

The Bajaj Insta EMI Card offers a pre-approved loan limit of up to ₹3 lakh, allowing you to make substantial purchases and convert them into EMIs.

Repayments are made through Equated Monthly Instalments (EMIs) over a chosen tenure ranging from 1 to 60 months. Payments can be automated via an e-mandate linked to your bank account, ensuring timely deductions.

There's a one-time ₹530 joining fee for the card, with potential extra charges based on transactions and chosen EMI plan. Check specific purchase terms for fees.

EMI is calculated by dividing the total purchase amount by the chosen repayment tenure. For instance, a ₹12,000 purchase over 12 months equals a ₹1,000 monthly EMI. Some purchases offer no-cost EMI without extra interest.

Yes, a nominal processing fee is charged, which varies based on the loan amount.

Yes, you can borrow money against your gold by applying for a gold loan with Bajaj Finserv.

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