Complete Guide to Bajaj Finserv EMI Card: Benefits, Eligibility, Application, and Usage

The Bajaj Finserv EMI Network Card is a powerful financial tool designed to make high-value purchases affordable through no-cost EMIs. Whether you're looking to buy electronics, furniture, fashion items, or even pay for healthcare and education, the EMI Network Card allows you to spread your expenses into manageable monthly installments without additional interest.

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card is a pre-approved digital card that offers a credit limit of up to ₹2 lakh. It enables customers to convert their purchases into easy EMIs at more than 1.5 lakh partner stores spread across 4,000+ cities in India. This card is not linked to any bank and functions through Bajaj Finserv's in-house financing system.

Key Features and Benefits of the EMI Network Card

1. No Cost EMI Facility

The most attractive feature is the No Cost EMI. You only pay the actual product price in EMIs—zero interest and no hidden charges.

2. Wide Acceptance Across Brands and Stores

Shop from top retailers like Croma, Reliance Digital, Vijay Sales, Amazon, Flipkart, and thousands of offline partner stores. You can buy electronics, home appliances, furniture, fitness products, and even groceries.

3. High Pre-Approved Limit

Get a pre-approved limit up to ₹2,00,000 which can be used for multiple transactions across different merchants, both online and offline.

4. Flexible Tenure Options

Choose EMI tenure from 3 to 24 months, depending on the value of the purchase and your comfort.

5. Online and Offline Shopping Convenience

Shop conveniently at partner e-commerce sites like Amazon and Flipkart, or use the card at offline retail partners simply by providing your registered mobile number and OTP.

6. Instant Approval & Minimal Documentation

If you're an existing Bajaj Finserv customer, your EMI Card can be activated instantly online. New customers can get approval with minimal KYC documentation.

7. Exclusive Deals and Discounts

Cardholders get special EMI schemes, zero down payment offers, seasonal deals, and exclusive discounts on various products and services.

8. Digital Management

Use the Bajaj Finserv app or website to track spends, view available limit, download NOCs, statements, and manage your card online with ease.

Eligibility Criteria for Bajaj Finserv EMI Network Card

To apply for this powerful financial tool, you must meet the following criteria:

  • Age: Between 21 and 65 years

  • Income: Must have a regular and stable source of income

  • Credit Profile: A good credit score is preferred

  • Documents Required:

    • PAN card

    • Aadhaar card (as ID and address proof)

    • Cancelled cheque (if applying offline)

    • Bank account details and a recent photograph

How to Apply for Bajaj Finserv EMI Card Online?

Step-by-Step Process for New Users:

  1. Visit the official Bajaj Finserv EMI Card website.

  2. Click on “Apply Now.”

  3. Enter your basic details such as name, mobile number, and PAN.

  4. Verify OTP received on your mobile.

  5. Fill in your KYC details and income information.

  6. Pay a one-time joining fee of ₹599 + GST.

  7. Once approved, you will receive the digital EMI Card instantly.

For Existing Bajaj Finserv Customers:

  1. Log in to the Bajaj Finserv Customer Portal.

  2. Click on 'EMI Network Card'.

  3. Complete the verification and pay the joining fee.

  4. The card will be activated and ready for use immediately.

Where Can You Use the Bajaj Finserv EMI Card?

The EMI Network Card can be used at over 1.5 lakh partner stores both online and offline. Categories include:

  • Electronics: TVs, mobile phones, laptops, tablets, cameras

  • Appliances: Refrigerators, washing machines, ACs, microwave ovens

  • Furniture: Sofas, beds, dining tables, wardrobes

  • Fitness: Treadmills, exercise bikes, gym memberships

  • Healthcare: Dental care, eye surgeries, cosmetic procedures

  • Education: School fees, online courses, coaching classes

  • Travel & Holidays: Holiday packages with EMI options

  • Groceries & Essentials: Monthly shopping at select outlets

How to Use the EMI Card for Online Shopping

Using the card online is simple and secure. Here's how:

  1. Visit a partner e-commerce website like Amazon or Flipkart.

  2. Select the product and proceed to checkout.

  3. Choose Bajaj Finserv EMI as your payment option.

  4. Enter your registered mobile number.

  5. Verify using the OTP sent to your number.

  6. Select EMI tenure and complete your purchase.

Charges Associated with the EMI Card

While the card offers excellent value, users should be aware of associated charges:

  • Joining Fee: ₹599 + GST

  • Annual Fee: ₹117 (inclusive of taxes) if the card is not used in the previous year

  • Bounce Charges: ₹450 + GST per EMI bounce

  • Penal Interest: 4% per month on the overdue amount

  • Foreclosure Charges: NIL (as of the latest terms)

Managing Your EMI Network Card Online

Bajaj Finserv offers a user-friendly platform to manage your card through the Bajaj Finserv App or the customer portal.

Features include:

  • Viewing available limit and EMI schedule

  • Making part-payments or prepayments

  • Updating contact details

  • Downloading account statements

  • Raising service requests

Things to Keep in Mind

  • Always make timely EMI payments to avoid penalty charges and impact on credit score.

  • The card is non-transferable and valid only for personal use.

  • EMI offers vary across merchants; always check latest deals before shopping.

  • If you're upgrading from a physical card, you can migrate to a digital card using the Bajaj Finserv app.

Conclusion

The Bajaj Finserv EMI Network Card is a smart financial product that makes lifestyle purchases more accessible and budget-friendly. With its zero interest EMI plans, high purchase flexibility, and wide acceptance across top brands, it’s an ideal choice for consumers looking to balance affordability with convenience.

Whether you're planning to revamp your home, buy the latest gadgets, or invest in your health and education, this card can help you do it all without financial strain.

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