Here you can select the best EMI Card in India

EMI Card in India

When one is looking to apply for an EMI card, they are seeking to unlock an exciting world of credit, which can in turn give them access to an improved lifestyle. The most significant criteria typically used to filter the various brands when applying for EMI cards include:

  • Competitiveness of fees and charges
  • Usability
  • Ease of application
  • Minimal documentation
  • The flexibility of repayment tenor 

The Bajaj Finserv EMI Network Card emerges as the winner in all 5 areas. Here’s why you should apply for Bajaj EMI Card.

Fees and charges

Applicants need to pay an extremely value-for-money and highly competitive joining fee, which ranges from Rs. 499 to Rs. 567. Furthermore, the already attractive annual fee of Rs. 117 is waived off if the user has availed of loans (or, in other words, so long as the user has utilised the card) in the preceding 12 months. 

Usability

The Bajaj Finserv EMI Network Card can be used online as well as offline, and the Bajaj Finserv EMI Store is dedicated to bringing the best deals and the most variety to cardholders. 

Online

Cardholders can use their EMI Network Card to enjoy the option of paying on EMIs at various online retailers such as Amazon, Flipkart and MakeMyTrip. This means that you do not have to pay the entire price of an item (or a service) upfront.

You can break the payment down into pocket-friendly instalments and pay in subsequent months. Additionally, you can opt for No Cost EMIs so that you won’t be straddled with interest charges on top of EMI payments.

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Dedicated EMI Store

The Bajaj Finserv EMI Store is a dedicated online store offering alluring deals, discounts and offers. Here, you can compare the prices of items from all the top brands in the country and enjoy special offers and discounts. You can also avail of the zero down payment facility on select models and get the items delivered free of cost. Here’s how you can place the order on the EMI Store.

Step 1 – Log in to the EMI Store with your registered mobile number.

Step 2 – Select the product that you intend to purchase and a repayment tenor that suits your income and available funds.

Step 3 – Key in the address for delivery of the product.

Step 4 – You will receive an OTP on your registered mobile number. Enter the OTP when you receive the prompt.

Offline 

The Bajaj Finserv EMI Network Card can also be used for offline shopping. There are 1.2 lakh+ Bajaj Finserv partner stores located across 2,900+ cities in the country. Some of the most popular partners are Vijay Sales and Croma.

Step 1 – Use the Store Locator on the Bajaj Finserv website to find the nearest partner store.

Step 2 – Make a few selections. Select your city and the product category that you are looking at. If you have a specific product in mind, you can enter the product name as well. 

Step 3 – Get a list of nearby partner stores that are relevant to your purchase and begin your shopping spree.

Step 4 – Pay using your Bajaj Finserv EMI Network Card.

Ease of application

You can apply for the Bajaj Finserv EMI Network Card online or offline, depending on your personal preference. Either route involves a very simple, quick and hassle-free 3 step process. 

Online 

When you apply for the Bajaj Finserv EMI Network Card online, you need to: 

  1. Share basic details and choose a pre-approved limit 
  2. Go through KYC verification entirely online
  3. Pay the joining fee

Offline

Applying offline is also an easy process. All you need to do is:

  1. Visit the nearest Bajaj Finserv partner store
  2. Select a product 
  3. Contact the store representative and submit a few basic documents to get your Bajaj Finserv EMI Network Card

Minimal documentation

No matter how amazing the benefits of any card may be, consumers do not want to go through the hassles of submitting a big pile of paperwork. When you apply for EMI Card, you need to submit only a handful of easily accessible documents and details. If you’re going the online way, the process is entirely digital. That said, the documentation includes:

  1. Proof of age 
  2. Proof of address and identity 
  3. Proof of income 

The flexibility of repayment tenor

The idea of an EMI card is that even big-ticket purchases are supposed to feel convenient and affordable. A big-screen TV costing Rs. 1 lakh does feel affordable when you have 24 months to pay for it and end up paying a little over Rs. 4000 per month. With the Bajaj Finserv EMI Network Card, you can pay in up to 24 instalments. 

With all these amazing benefits, the Bajaj Finserv EMI Network Card is definitely the best EMI card in India.

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