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Bajaj Insta EMI Card is offered to existing customers of Bajaj Finserv who are looking for a card to convert big-ticket purchases into EMIs. This card allows cardholders to shop at partner online and offline merchants like Amazon, Flipkart, Vijay Sales, Croma, and more, and convert their purchases into easy EMIs with a flexible tenure of up to 60 months, depending on their repayment capacity. While the card comes with a one-time joining fee of Rs. 530, it does not charge any annual fee from the second year onwards. Read on to know more about Bajaj Finserv Insta EMI Card in detail.
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Key Highlights of Bajaj Insta EMI Card |
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| Joining Fee | Rs. 530 |
| Annual Fee | Nil |
| Key Features & Benefits | Convert all purchases into easy EMIs with a tenure of up to 60 months |
| Credit Limit | Up to Rs. 3 Lakh |
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Bajaj Insta EMI Card allows cardholders to shop and convert their spends into EMI as per their repayment flexibility. Here are some of the major features and benefits of this card:
Consumers can apply for this credit card online through the official website of Bajaj Finserv by following the steps mentioned below:
Step 1: Visit the official website of Bajaj Finserv and click on the “Apply Now” button on the card’s page.
Step 2: Enter your mobile number, then enter the OTP received on the given number.
Step 3: Provide your name and other basic details, and click on “Proceed” to begin the KYC process.
Step 4: Once your KYC is successfully completed, you will be able to view your approved credit limit.
Step 5: You will then be asked to pay a joining fee of Rs. 530.
After successful payment, the digital credit card will be issued to you. You can manage the card and view its details on the Bajaj Finserv app.
Bajaj Insta EMI Card is a good option for those who frequently shop for electronics, appliances, or lifestyle products and want a card to convert purchases into easy EMIs. It is suitable for consumers looking for a card specifically to convert big-ticket purchases into EMIs. However, this card doesn’t offer much beyond that. Despite charging a joining fee of Rs. 530, this card does not offer any value-back on your spends. If you already have a credit card with EMI features, this card may not add significant value. Also, consumers looking to save on their spends through rewards or cashback might consider entry-level cards like Amazon Pay ICICI, YES Bank Paisabazaar PaisaSave, SBI SimplyCLICK, and others.
Consumers should meet the following criteria to be eligible for this card:
| Type of Fees/ Charge | Amount |
| Joining Fee | Rs. 530 |
| Annual Fee | Nil |