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Bajaj Finserv
Bajaj Finserv Insta EMI Card
Shopping
1st Year Fee: ₹450* Plus Applicable Taxes
Shopping
Insta EMI on Amazon, MMT, Croma, etc.
Free Vouchers
Free Lifestyle, Domino’s and Titan vouchers
Cashback
Rs. 1,000 cashback on first in-store spend
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About Bajaj Finserv Insta EMI Card
Bajaj Finserv Insta EMI Card is a consumer financing product that allows users to convert purchases into monthly installments across partner merchants. It is accepted at more than 1.5 lakh stores and online platforms, including Amazon, Flipkart, Croma, Vijay Sales and MakeMyTrip. The card offers repayment tenures ranging from 3 to 60 months, depending on the transaction and eligibility. In many cases, purchases can be made with zero down payment at partner stores. The application process is fully digital, with instant approval for eligible consumers and no annual fee from the second year. EMI options can start from around Rs. 999 per month based on the purchase amount. Some onboarding offers include a Rs. 530 Flipkart voucher on joining fee payment.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Bajaj Finserv’s website.
Key Features and Benefits
Shopping Benefits:
- Convert Rs. 1.5 lakh+ purchases at partner merchants into easy EMIs with flexible 3–60 month tenures
- Zero down payment on spends made at partner stores
- Insta EMI Card accepted across all top brands such as Amazon, Flipkart, Vijay Sales, Croma, MMT, etc.
Welcome Benefits:
- Flipkart voucher of Rs. 530 on joining fee payment
- Rs. 1,000 cashback on first in-store transactions
- Free Lifestyle, Titan vouchers and Domino’s
Other Benefits:
- Easy EMIs starting from Rs. 999
- End-to-end digital application process
How to Apply for Bajaj Finserv Insta EMI Credit Card
Consumers can apply for this credit card online through Paisabazaar by following the steps mentioned below:
Step 1: Click here and enter your name and mobile number.
Step 2: Enter the OTP received on the specified number to verify.
Step 3: Provide your name and other basic details, such as employment type, monthly income, etc.
Step 4: Check your qualified amount & apply for the card.
Bajaj Finserv Insta EMI Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee1 | Rs. 450 + Taxes |
| Annual Fee | Nil |
Things to Know Before you apply
Get this card if
You want an entry-level credit card to start your credit journey
You are looking for a credit card that is accepted by all major brands, such as Amazon, Flipkart, Vijay Sales, Croma, and MMT
You want to own a card that offers zero down payment on spends made at partner stores Easy EMIs starting from Rs. 999
Eligibility Criteria:
Nationality: Indian
Age Requirement: 21 to 70 years
Employment: Salaried or Self-employed
Paisabazaar Review
What do we like about this card?
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.
Pros
- Easy EMIs starting from Rs. 999
- Zero down payment on spends made at partner stores
- Insta EMI Card accepted across all top brands
- Rs. 1,000 cashback on first in-store transactions
Cons
- No reward points on any categories
- No movie or lifestyle-related benefits
Frequently Asked Questions
Everything you need to know about this credit card
Insta EMI Card is used to convert eligible purchases into monthly instalments at partner stores and online platforms, helping consumers to pay over time instead of paying the full amount upfront.
After a purchase, the total amount is divided into fixed EMIs based on selected tenure. Consumers repay monthly until the full amount, along with applicable interest or charges, is completed.
It can be used at many partner merchants, both online and offline, including major retail and e-commerce platforms.
The application is fully digital. Consumers can submit basic personal and financial details, complete verification, and may receive instant approval depending on eligibility and credit assessment.
A joining fee may apply when the card is issued. Some Cardholders may also be charged interest on EMIs depending on the offer and repayment tenure chosen during purchase.
Footnotes
- Instant approval of the card and no annual fee from the second year onwards.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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