Top Reasons To Go For Bajaj Finserv Insta EMI Card in 2022

Bajaj Finserv Insta EMI Card is a card issued for easy financing. Customers can shop with the Insta EMI Card on online giants like Flipkart and Amazon and use the Bajaj Insta EMI Card in offline stores across the country. It is an easy-to-use financial tool where you only need a mobile number and a card to make the transaction. You can use the Insta EMI Card on various e-commerce sites without additional charges.

Purpose of Bajaj Finserv Insta EMI Card

It is a facility that allows individuals to take out an instant loan from Bajaj Finserv. A consumer durable loan can be obtained instantly through this card, and users can purchase their preferred products on easy EMIs. By offering the Bajaj Finserv Insta EMI Card, the company provides a fast and convenient way to obtain loans. 

To understand the benefits of the Insta EMI Card, you must first understand the concept of easy EMIs. This facility allows the user to avail of instant consumer durable loans. Availing of an EMI facility is just one of the benefits of the card. Providing more accessible financing to all its customers has always been the company’s goal, so they ensure that the card offers you many more benefits. 

Bajaj Insta EMI Card Benefits

Easy and convenient EMI pricing 

Easy EMI means a no-cost EMI, where customers do not have to pay any additional amount towards the monthly EMIs, according to the literal translation. Debit and credit Bajaj Insta EMI Card users paid interest towards their EMIs when purchasing products on EMI using their debit or credit cards. 

Accordingly, the rate would be between 13% and 14% per annum. As opposed to credit cards, EMI Insta EMI Card does not charge interest towards EMIs. The Insta EMI Card is known as an easy Insta EMI Card because of this.

Your Bajaj Finserv Insta EMI Card lets you do a lot!

There are a lot of Bajaj Finserv partner stores across the country where you can buy consumer electronic products, such as smartphones, refrigerators, washing machines, etc., on an easy EMI. You will be able to locate one near you using the store locator. In addition to Flipkart and Amazon, the same Insta EMI Card can be used on other e-commerce sites.

Easy application processes

Online and offline applications are available for Bajaj Insta EMI Card. Online applications can be completed by logging into My Account, the online customer portal. There is, however, no offline application for the Bajaj Insta EMI Card available at any Bajaj Finserv branch.

Bajaj Finserv’s partner stores are the only places where it is available. Individuals can apply for a Bajaj Insta EMI Card when purchasing products from a Bajaj Finserv EMI partner store like Big Bazaar, Croma, Shoppers Stop, etc.

Credit limits can be increased easily

Whether it is a credit Bajaj Insta EMI Card, a credit line or a Bajaj Insta EMI Card, the credit limit is increased periodically according to the usage behaviour of customers. The credit issuer may consider increasing the credit limit if the account is used responsibly and payments are made on time.

The algorithm calculates the credit limit most of the time, so it does not require any manual intervention. Using your credit score and income information, the application approval system generates a credit limit based on your credit score. 

Simple eligibility requirements

Before granting a credit limit enhancement to a customer, income level is considered in addition to your credit score (CIBIL). Suppose you have a good credit score (CIBIL score), never defaulted on any loans or earlier credit accounts, have a good source of income, and no bounced checks or other risk stuff in your Bank statement. In that case, the credit manager may approve you for a credit account and its maximum credit limit.

Easy EMI facility 

Insta EMI Card is a unique product that automatically converts the purchase amount into EMIs. A pre-approval loan is the best way to describe the product structure. In places where the card is accepted, you can swipe or use the EMI Network Card to purchase, and the amount will be converted into EMIs automatically. 

No interest is charged on the loan amount, which is attractive. Interest is charged at zero percent. It is possible to take out an Insta EMI Card loan of up to Rs. 2 lakh. It is possible to repay the loan throughout 3, 6, 9 months, 12 months, 18 months, or 24 months. 

Payment is due when your credit EMI Network Card is swiped. This means that you can get a 45-day interest-free credit period. Insta EMI Card from Bajaj Finserv enables you to pay for your purchase over time. 0% interest is charged (no interest is set). The cost is the same as before.


My name is Rajeev Sinha and I am a Finance Expert & completed my Masters in Finance and Administration. I have good knowledge about different finances schemes which may help you through my content and answers on this blogging website. Read Also: mlb scores, pinay flix, pinoyflix, What Space Movie Came Out in 1992.

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