Bajaj EMI Card

Bajaj EMI Card (Insta EMI Card) by Bajaj Finance is a digital payment card that allows you to convert your purchases into easy No Cost EMI or standard EMI without using a traditional credit card. It is widely accepted across online and offline partner stores.

✔️ Applicant must be an Indian resident
✔️ Age: 21 to 60 years
✔️ Salaried or self-employed individual
✔️ Stable income source
✔️ Good CIBIL score (700+ preferred)
✔️ Existing Bajaj Finance customer (preferred for instant approval)

✔️ Joining Fee: ₹530 (one-time, approx.)
✔️ Annual Fee: ₹117 per year (approx.)
✔️ Interest Rate: 0% (No Cost EMI) or standard EMI (as applicable)
✔️ Processing Fee: ₹0 to ₹199 per transaction (varies)
✔️ Foreclosure Charges: As per Bajaj Finance policy
✔️ Bounce Charges: Applicable on missed EMI

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof (Aadhaar Card / DL etc.)
✔️ Bank account details
✔️ Income proof (if required)
✔️ OTP-based KYC verification

Q1. What is Bajaj EMI Card?
Ans. It is a digital EMI card that allows you to buy products on EMI without a credit card.

Q2. What is the limit of EMI Card?
Ans. You can get a pre-approved limit up to ₹3 lakh depending on eligibility.

Q3. Is No Cost EMI available?
Ans. Yes, No Cost EMI is available on selected products and partners.

Q4. Where can I use the card?
Ans. It can be used at Bajaj Finance partner stores online and offline.

Q5. Do I need a credit card for this?
Ans. No, it works independently without a credit card.