Insta EMI Card fees and charges

Read our fees and charges in detail before applying for our Insta EMI Card

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The Bajaj Finserv Insta EMI Card offers flexible payment options, allowing you to convert purchases into affordable Easy EMIs. However, it's important to be aware of the associated fees and charges to make informed decisions. These may include late payment charges, bounce charges, and penal fees for delayed instalments. It's crucial to review the specific terms and conditions applicable to your card to understand the fee structure and avoid any unpleasant surprises.

Insta EMI Card Applicable fees and charges

Type of fee

Applicable charges

EMI Network Card fee

Rs. 530/- (inclusive of applicable taxes)
*Additional fees and charges will apply when utilising the EMI Network Card to avail of loans.

How to apply for the Insta EMI Card

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Step-by-step guide to applying for the Bajaj Finserv Insta EMI Card

  1. Enter your 10-digit mobile number and verify the OTP sent to your phone.
  2. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  3. Select your employment type and gender.
  4. Click on proceed to know your pre-qualified card loan limit
  5. Verify your KYC using your Aadhaar card or DigiLocker.
  6. Post successful KYC, check your card limit details
  7. Select and apply a promo code of your choice and pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes)
  8. After successful payment, your card is ready to use

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

What is the joining fee for the Insta EMI card?

To get the Insta EMI Card, you only have to pay a one-time joining fee of Rs. 530/-.

Is Bajaj Finserv Insta EMI Card free of cost?

The Bajaj Finserv Insta EMI Card can be yours by paying Rs. 530/- (inclusive of applicable taxes).

What is the minimum salary criterion to apply for Bajaj Finserv Insta EMI Card?

There is no minimum salary requirement to apply for the Insta EMI Card. All you need is a regular source of income and a good CIBIL Score to be eligible.

How to pay the Bajaj Finserv Insta EMI card fees?

The Insta EMI Card only has a one-time joining fee of Rs. 530/-. You do not have to pay any additional annual fee for your card.

Is there any processing fee for Bajaj Finserv Insta EMI Card?

A nominal processing fee will be charged based on the amount of your transaction. For more details, please check our fees and charges page.

How is 12-month EMI calculated?

To calculate the 12-month EMI on the Bajaj Finserv Insta EMI Card, divide the total purchase amount by 12. Purchases made with the Insta EMI Card come with Easy EMI, resulting in fixed monthly instalments throughout the tenure.

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