Impact Feature: Bajaj Finserv Insta EMI Card: Get an Instant Approval & Start Shopping!

With the festive season fast approaching, shopping is on everybody’s minds. As exciting as shopping sprees with family and friends are, we simply cannot ignore how expensive shopping can get. But, of course, it’s a small price to pay for spreading joy and making new memories with our loved ones.
If you are someone that loves shopping but don’t enjoy dealing with tight budgets, we’ve got something for you. You can now shop to your heart’s content without having to dip into your savings or taking out hefty loans. Sounds too good to be true? The simple solution is the Bajaj Finserv Insta EMI Card.
The Bajaj Finserv Insta EMI Card is an EMI card that comes with a pre-approved loan. You can use this amount to purchase over a million products on No Cost EMI at over 1.5 lakh online or offline stores. This card has a few other attractive perks, here are some of them:
1. High Pre-approved Loan Amount
Bajaj Finserv Insta EMI Card comes with a pre-approved loan amount of up to ₹2 Lakhs. The loan limit is determined based on your income, credit history and score, relationship with the issuer, etc. You can use this amount to make a single or multiple purchases at any of Bajaj Finserv’s partner stores.
2. Instant Approvals
Applying for the Bajaj Finserv Insta EMI Card is easy and can be done completely online. What’s more, you can get your application approved in a matter of minutes and start shopping right away.
3. Minimal Documentation
When we think of loans, we often think of tedious paperwork. You can bid lengthy procedures goodbye with the Bajaj Finserv Insta EMI Card. All you need to do is carry your card with you at the time of purchase, and no other documentation will be required. 
In a lot of cases, you don’t even need your card. Simply make your purchase using the e-wallet facility offered by Bajaj Finserv. 
4. Flexible Repayment Plan 
When you make a purchase on No Cost EMI, you can also choose your preferred tenor. This will typically range from 3 months to 24 months. If you’re someone that can afford to set aside a large chunk of money towards your monthly repayments, you can choose a shorter loan tenor.
On the other hand, if you prefer to make smaller contributions over a longer period of time, you can go for a longer tenor. Either way, there’s no interest payments involved. This means that you can choose a repayment plan that works for you, without having to worry about interest accrual. 
5. Minimal Down Payment 
When you take out a loan, you’ll generally have to set aside a considerable amount of money towards a down payment. However, this is not the case with the Bajaj Finserv Insta EMI Card. Purchases on this card come with minimal and even, at times, zero down payment. This means that you don’t have to wait till you’ve saved up a large amount of money before making a purchase. 
6. Zero Foreclosure Charges 
High foreclosure charges are a common deterrent among those looking to take out a loan. However, you won’t have to worry about such charges with this EMI card because there are no foreclosure charges on prepaying your loan.  
7. Expansive Network 
Bajaj Finserv has teamed up with over 1.5 lakh leading online and offline sellers across more than 4,000 cities. Cardholders can now purchase their favourite products on No Cost EMIs, without any hassles. 
Given all of these benefits, you’re probably wondering how you can apply for this card! Well, we’ve got you, here’s how you can get started: 

Step 1: Visit the Bajaj Markets website 
Step 2: Navigate to the ‘Bajaj Finserv Insta EMI Card’ page 
Step 3: Click on ‘Apply Now’ 
Step 4: You’ll now be redirected to the application page 
Step 5: Type in your mobile phone number and enter in the OTP sent to it
Step 6: Now, fill in the required details – this will include your name, date of birth, PAN, residential PIN code, employment type, and gender
Step 7: Click on ‘Proceed’ to view offers available for you
Step 8: Review the offer and get started with the KYC process 
Step 9: Once you’ve successfully completed the the KYC, make the one-time joining fee payment of ₹599 
Step 10: Activate your card by completing the e-mandate registration

Congratulations! You can now start shopping with your Bajaj Finserv Insta EMI Card. 
In case you want to check the status of your EMI card, you can do so by logging into ‘My Account.’ Bajaj Finserv customer portal will let you access information pertaining to your card. 
Here, we have listed out a few things that you need to keep in mind while shopping using your Bajaj Finserv Insta EMI Card. These pointers will help you get more out of your card and in ensuring a smooth shopping experience. 

Even though there are no interest charges applicable on timely payments, it’s important that you remember that this is still a loan. What exactly does this mean? Well, if you default on your loan, interest as well as late payment fees will be applicable. So, make sure you plan your EMIs well and make repayments on time. 
If you are new to credit, this card is a great way to build your credit history. You can avoid the high interest rates that typically come with loans and still improve your credit score. All you have to do is utilise your credit wisely and make repayments on time. 

Doing so consistently will most likely improve your credit score, which can make credit very accessible to you. This also has a flip side, if you miss out on your repayments, your credit score will likely fall.  

You can also purchase things like clothes, flight tickets, luxury items, and groceries on No Cost EMIs. Simply convert any of your purchases at partner stores into EMIs and enjoy hassle-free shopping. 

The Bajaj Finserv Insta EMI Card is one of the most convenient financing options available in the market. You can enjoy 100% digital application processes and instant approvals. You can convert all your purchases into easy No Cost EMIs and manage your finances effectively while making big lump sum payments. Apply today for the Bajaj Finserv Insta EMI Card to elevate your shopping experience!