Financial agility is a crucial priority, and consumers constantly seek ways to effectively manage their expenses. If you’ve been looking for a payment method that allows you to buy now and pay later without the burden of extra interest, consider opting for the Bajaj Finserv Insta EMI Card. With this innovative payment tool, you can experience the financial freedom of No Cost EMIs and flexible tenures.
What is No Cost EMI?
No Cost EMI is a revolutionary concept that lets you break down your purchase into manageable monthly instalments without additional interest. Unlike traditional EMIs, where interest charges can add up significantly over time, No Cost EMI ensures you only pay the product’s actual price. As a financial tool, it’s gaining immense popularity among discerning shoppers who want to maximise their purchasing power while maintaining financial stability.
Keeping this in mind, Bajaj Finserv has designed the Insta EMI Card to cater to the dynamic financial needs of modern consumers. The Insta EMI Card makes high-value purchases more accessible and affordable, whether you’re shopping online or offline.
Shopping with the Bajaj Finserv Insta EMI Card
Enjoy a seamless buying experience with the convenience of interest-free No Cost EMIs when you use your Insta EMI Card. Here’s how:
- Online
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- On your favourite e-commerce platform, browse and select your desired products and add them to your cart.
- Select the Bajaj Finserv Insta EMI Card as your preferred payment option during checkout.
- Enter your card details and pick a suitable tenure (between 1 and 60 months) for your EMI payments.
- Complete the purchase, and the total cost of your chosen products will be split into easy monthly instalments without any extra interest.
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- Offline
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- Visit your nearest Bajaj Finserv partner store and explore the wide selection of products available.
- Select the products you wish to buy and head to the billing counter.
- Inform the sales representative at the billing counter that you wish to use your Insta EMI Card for the purchase.
- Hand over your card details and select a repayment tenure from 1 to 60 months that suits your budget.
- Your purchase amount will be converted into easy EMIs, allowing you to pay over your selected tenure.
Bajaj Finserv Insta EMI Card features and benefits
The Insta EMI Card comes packed with features crafted to enhance your shopping experience:
- Split the cost of your purchase into zero-interest No Cost EMIs.
- Enjoy a generous pre-approved limit of up to Rs. 3 lakh, depending on your eligibility.
- Use your card across all major online platforms and at more than 1.5 lakh partner stores across over 4,000 cities nationwide.
- Pick a repayment term that comfortably aligns with your financial circumstances.
- Take advantage of zero down payment deals during festive seasons, meaning you need not pay anything upfront during purchase.
- Ready to pay off your loan early? Do so without having to worry about any foreclosure penalties.
If you’re wondering whether the Insta EMI Card is right for you, here are some of the reasons why it’s a tailor-made solution for the consumers of today:
- Manage your budget with ease when you can spread the cost of big-ticket expenses over a comfortable tenure of your choice.
- Save on interest charges typically associated with loans, thanks to No-Cost EMIs.
- The ample pre-approved limit allows you to make multiple purchases without the risk of overspending.
- Watch your credit score steadily improve as you repay your EMIs on time consistently, allowing you to access credit on favourable terms in the future.
- Wide acceptance across online and offline stores makes this card an incredibly versatile shopping companion.
Eligibility criteria for the Insta EMI Card
The eligibility criteria and documentation requirements are minimal. Applicants must:
- Be Indian nationals.
- Be aged between 21 and 65 years.
- Have a regular source of income.
- Have a credit score of at least 720 or higher.
- Must produce valid documentation, including PAN card, Aadhaar card, proof of address, bank account details and IFSC code for e-mandate registration.
How to apply for the Bajaj Finserv Insta EMI Card
- Online (via the Bajaj Finserv App or the official website)
- On the Insta EMI Card web page, enter your mobile number.
- Use the OTP you receive to authenticate yourself.
- Fill in the application form to determine your credit limit.
- Proceed to complete the KYC verification process.
- Pay the Rs. 599 one-time joining fee.
- Complete the e-mandate registration to activate your card.
- Offline (at a Bajaj Finserv partner store)
- Provide the necessary documents for verification to the store representative at the billing counter.
- Once you’re approved, pay the one-time joining charge.
- Get your card issued.
So, why wait? With a Bajaj Finserv Insta EMI Card, you can access a unique combination of flexibility, convenience, and savings that can help you optimise your financial management. Experience the difference – download the Bajaj Finserv App or visit the official website to apply now!
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