Learning how to get Bajaj Finance Card can help you to make smart purchases for items like a smartphone, laptop, television or home appliance by paying monthly payments.
The Bajaj Finserv Insta EMI Card is a digital finance solution which provides eligible customers with the ability to make purchases of select items and pay back in EMIs.
To apply for this card you can complete an application process online via the official Bajaj Finserv website. This will include verifying your mobile number, ensuring you are eligible to apply, confirming your identity and paying a one-off fee.
In this article you will learn how to get Bajaj Finance Card online in 2026. Including eligibility, documents, steps to apply, fees, benefits and how to use this card.
How To Get Bajaj Finance Card—At A Glance
| Detail | Info |
|---|---|
| Card Name | Bajaj Finserv Insta EMI Card |
| Provider | Bajaj Finance Limited |
| Application | Online & Offline |
| Minimum Age | 21 Years |
| Maximum Age | 70 Years |
| Fee | ₹530 (Plus Tax) |
| Documents Required | PAN & Aadhaar Info |
| Income | Must Have A Regular Income |
| EMI Period | 3-60 Months |
| Type Of Card | Digital EMI Card |
| Approval | Based On Eligibility |
Based on info provided by the provider. May be subject to change.
What Is Bajaj Finance Card?
The Bajaj Finance Card (or Bajaj Finserv Insta EMI Card) can be used by eligible customers to fund purchases from online and offline retailers.
This card differs from traditional credit cards as it is mainly for purchases made in instalments.
The card can be used to purchase eligible items such as smartphones, laptops, fridges, washing machines, TVs and furniture.
The amount you can borrow will depend on your eligibility and creditworthiness.
Before making any purchases you should ensure you know what interest rate, processing fee, deposit and monthly payment you will be paying.
How To Get Bajaj Finance Card Online
Applying for this card is straightforward if you have the details to hand.
To apply follow the steps below.
Step 1 – Go To Bajaj Finserv Website
Go to the official Bajaj Finserv website and find the page to apply for your Insta EMI Card.
Find the GET IT NOW button.
Always use the official site to ensure your personal & financial details remain safe.
Step 2 – Enter Mobile Number
Enter your active 10-digit mobile number.
You will receive an OTP.
Enter this code to verify your mobile number.
Never give your OTP to anyone.
Step 3 – Enter Personal Information
Enter your full name.
Follow the on-screen prompts.
There may be an option to automatically fill out your details.
Ensure your details are correct.
Step 4 – View Eligible Loan Amount
After entering your details you may be presented with an offer for your card loan.
This will depend on your income, credit history and Bajaj Finance’s eligibility criteria.
This does not guarantee you will be approved for all purchases.
Step 5 – Verify Identity
Verify your personal information and current address.
You may need to provide your PAN and Aadhaar details.
Follow the prompts to complete your KYC.
Step 6 – Confirm Wallet Information
View the information to set up your wallet.
Enter the required OTP.
Depending on whether you are a new or existing customer the process may vary.
Step 7 – Pay Joining Fee
After completing the verification process you will need to pay the joining fee.
This will be ₹530 (plus tax) as one-off fee.
Complete payment through the official payment gateway.
Step 8 – View Digital EMI Card
Once you have been approved and paid the fee you can view your card details within the Bajaj Finance app.
As this is a digital card you generally won’t need a physical card.
The provider state this can typically be completed in under 10 minutes. However, actual approval times may vary.
Eligibility For Bajaj Finance Card
Before applying ensure you meet the basic criteria.
| Criteria | Details |
|---|---|
| Citizenship | Indian Citizen |
| Age | 21-70 Years |
| Income | Must Have A Regular Income |
| Credit Score | Based On Bajaj Finance Risk Policy |
| KYC | Must Have Valid ID |
Do I Need A CIBIL Score?
Your credit history can affect your chances of getting approved.
Having a good repayment history can increase your chances of being eligible.
However, there is no set minimum score published by Bajaj Finance.
Those with no credit history may be assessed differently.
You may not be approved even if you meet the basic criteria.
Documents Needed To Get Bajaj Finance Card
Ensure you have the following information to hand.
Key Documents
| Key Documents | Details |
|---|---|
| PAN Card | To verify your identity. |
| Aadhaar Card | To complete your KYC. |
| Mobile Number | To verify with an OTP. |
| Address | To confirm your address. |
Generally no documents will be needed to apply for this card online.
However additional information may be requested when making a transaction.
How To Get Bajaj Finance Card Offline
You can also enquire about this card at Bajaj Finance partner stores.
Steps To Apply Offline
- Go to a Bajaj Finance partner store.
- Enquire about the Insta EMI Card.
- Ensure you are eligible.
- Provide personal & KYC information.
- View the loan offer.
- Complete verification.
- Pay the joining fee.
- Confirm card status.
Not all retailers will offer the same loan options.
Ensure the store is an authorised partner.
Bajaj Finance Card Fees In 2026
It is important to know what fees you will be charged.
| Fee | Cost |
|---|---|
| Joining Fee | ₹530 (Plus Tax) |
| Annual Fee | No annual fee. |
| Processing Fee | Up to ₹1,017 (Plus Tax) |
| Bounced Payment Fee | ₹600 Per Bounce |
| Penalty Fee | 36% Per Annum On Late Payments. |
| Interest Rate | Dependant On Financing Scheme. |
The penalty fee will depend on the loan terms and how late you are.
Other fees may apply.
Always ensure you know what the latest fees and loan terms are before making a purchase.
Benefits Of Bajaj Finance Insta EMI Card
This card offers a number of benefits to those who are eligible.
1. Monthly Payments
Split the cost of eligible items into manageable monthly payments.
2. Easy Online Application
Apply for this card online without having to visit a branch.
3. Flexible EMI Period
Most products will have a repayment period between 3-60 months.
4. Wide Range Of Items
You can borrow against select items such as smartphones, laptops, TVs, furniture and home appliances.
5. Zero Deposit
Some items may be available with zero deposit.
However, this may not be available for all items.
6. Online & Offline
This card can be used at physical stores and online.
How To Activate Bajaj Finance Card
After completing your application and paying the joining fee you should now have access to your digital card details within the Bajaj Finance app.
Steps To View Card
- Open the Bajaj Finance app.
- Login with your registered mobile number.
- Complete OTP verification.
- Open your card/EMI section.
- View your card status and loan offer.
- Complete any remaining activation/KYC steps.
Some customers may need to complete further verification before making their first transaction.
Not all cards will be able to be used straight away.
How To Use Bajaj Finance Card
Once you have activated your card and are eligible to make transactions you can use this card at participating retailers.
Steps To Purchase Items On EMI
- Choose an item from a participating retailer.
- Ensure Bajaj Finance EMI is available.
- Select to pay with the Bajaj Finance Insta EMI Card.
- View available repayment options.
- Ensure you know what interest rate and processing fees will apply.
- Choose an appropriate EMI period.
- Complete verification.
- Confirm your purchase.
Example Of Calculating EMI
If you purchase a laptop costing ₹36,000 and are eligible for a scheme with no interest or additional fees for 12 months:
EMI = ₹36,000 / 12 = ₹3,000 Per Month.
This is just an example.
You may not pay this amount due to interest, processing fees and other fees.
Bajaj Finance Card Or Credit Card?
Whilst this card can help customers to make smart purchases it does have some differences compared to credit cards.
| Feature | Bajaj Finance EMI Card | Credit Card |
|---|---|---|
| Main Purpose | Finance Eligible Items | General Credit |
| Accepted At | Participating Retailers | Accepted Cards |
| Repayments | Fixed EMI Repayments | Monthly Payments / EMI |
| Joining Fee | Yes | Varies Based On Card |
| Withdraw Cash | Not Standard | May Be Available |
| Approval | Based On Bajaj Finance | Based On Card Issuer |
If you are looking to mainly purchase items in instalments then this Bajaj Finance EMI Card may be suitable for you.
Traditional credit cards will offer more flexibility when making payments.
Top Tips Before Getting Bajaj Finance Card
Consider the following before applying.
- Ensure You Are Eligible – Check you meet the age and income criteria.
- Know The Fees – Know what joining fees and transaction fees will apply.
- Choose EMI Period – Choose a repayment period that suits your budget.
- Interest Rate – Not all EMI offers will be interest free.
- Don’t Miss Payments – You may incur extra fees if you miss payments.
- Use Official Sites – Don’t use any suspicious sites or payment requests.
Only borrow what you can afford to repay.
FAQs
1. How do I get Bajaj Finance Card online?
Go to the official Bajaj Finserv site, enter your mobile number, verify the OTP, enter your personal details, complete KYC verification, view your offer and pay the joining fee once approved.
2. What is the minimum age?
Generally you must be between 21-70 years of age.
3. Is Bajaj Finance Card free?
No. There is a one-off joining fee of ₹530 (plus tax). There may be additional fees when using this card.
4. Can I get Bajaj Finance Card without a salary slip?
When applying online you generally won’t need to provide any documents. However, you must have a regular income. Additional verification may be requested.
5. How long does it take to get Bajaj Finance Card?
The online application should take less than 10 minutes for straightforward applications. The actual approval time will depend on your eligibility, verification and completing your application.
Conclusion
Knowing how to get Bajaj Finance Card can help you apply for the Insta EMI Card. This can be done via the official website or mobile application.
The process generally involves verifying your mobile number, ensuring you are eligible, completing KYC and paying the joining fee.
Before applying ensure you know what the eligibility criteria, documents, fees and repayment terms are.
If used responsibly this card can help you make smart purchases of eligible items by repaying in planned monthly payments.
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