All you need to know about EMI card fees and charges

Equated monthly installment (EMI) has emerged as one of the most preferred ways of buying the latest products available in the market. Such is the design of this tool that borrowers can choose exactly how they wish to repay the loan amount. EMI Cards offered by Bajaj Finserv Network Cards makes the purchasing process even more convenient with the range of options it gives to its customers.

Options such as no cost EMI have meant that you can spread your repayment tenure according to your finances without paying an extra cost and without much headache.

Moreover, the Bajaj Finserv EMI Network Card gives you the option to close your loan any time prior to the end of your repayment tenure as you need not pay any foreclosure charges on your loan. The process of applying the card is entirely digital. In just three ways, you can apply for an Insta EMI card.

The services are not only for offline purchase but also for online purchase which means you can use the card while shopping on Amazon and Flipkart.

How to apply Bajaj EMI Card online 

Step 1: You can start by looking for the ‘Apply Now’ button that can be seen on the website.

Step 2: The very next thing you need to do is check your card’s pre-approved limit by sharing a few basic details.

Step 3: Another important step involves verifying KYC documents. You can do that via Central Know Your Customer(CKYC). In case you are pre-registered with CKYC, your personal details will be validated from the KYC registry.

However, verification can also be Offline Know Your Customer (OKYC), where you would be required to submit your Aadhar Number and then get it verified.

Step 4: This step involved a payment of Rs 567. Upon payment, the transaction will be completed and your bank account will be linked to your EMI Card.

Step 5: Complete your e-mandate and link your bank account with your EMI Card. 

As soon as your payment is processed, you will be able to access your activated Insta EMI Card on the Bajaj Finserv Wallet App. 

Bajaj Finserv EMI Network Card Fees 

Bajaj Finserv EMI Card charges vary depending upon the card you choose. There are two types of Bajaj Finserv EMI Network Cards which are on the offering, one is the Gold EMI Card for which the joining fee is set at Rs 412. Another is a Titanium Card for which the customers are charged Rs 884 as joining fee. Using these two types of cards, you can buy a number of products at no cost EMI. Only a minimal Bajaj Finserv EMI Network card processing fee is charged each time you use the card. 

Bajaj emi card annual fee

As mentioned earlier, while availing the Bajaj Finserv EMI Network Card, you are required to pay a one-time purchase fee. You are not required to pay any additional Bajaj Finserv EMI Network card annual fee. The one time payment is the only transaction that the customers are required to make.


The traditional hassel in using a credit card pretty much is done away with in case of a

Bajaj Finserv EMI Network Card. You can utilise benefits such as pre-approved loan amount, No Cost EMI, customisable repayment options along with zero foreclosure charges.

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