Gold on Bajaj EMI Card Possible


Purchase of gold on a Bajaj EMI card is not permissible However; some online jewelry stores provide EMI options. In the year 2012, the RBI even prohibited banks from offering loans. The jewelry store does not accept Bajaj EMI cards as credit cards for the purchase of jewelry. Only bank-issued credit cards are accepted. It is possible to purchase gold jewelry with a Visa or MasterCard, but the EMI option is unavailable.

Nonetheless, you can use your EMI Network Card to purchase over a million products and services, including electronics, smartphones, televisions, laptops, home appliances, travel, and many more. You may choose to divide the purchase cost to No Cost EMIs and repay them within 24 months.

No Cost EMI

The Bajaj No-Cost EMI feature allows you to switch over the purchase cost to interest-free monthly installments without any additional costs. Using the Bajaj Insta EMI Card, you can shop for over 1.2 million products across a variety of categories, including laptops, smartphones, air conditioners, washing machines, and refrigerators, into EMIs at no extra Cost. The Bajaj Insta EMI Card includes an approved loan of approximately Rs. 2 lakh with a flexible repayment period of up to 24 months.

Application procedure for a Bajaj EMI Network Card

  • Applying online

Through the customer portal Experia, existing Bajaj Finserv customers can easily apply for an EMI Network Card.

  • Applying Offline

You can apply for an EMI Network Card when making purchases on easy EMIs from our partner stores such as Croma, Vijay Sales, Reliance Digital, Sargam Electronics, etc. Simple KYC documents such as your Aadhaar card, a canceled check, and a properly signed ECS mandate are required.

EMI working method

The No Cost EMI option enables you to pay for products and services in affordable monthly installments with no interest. Consequently, you only pay the product’s total price, with no additional processing fees. The Bajaj EMI Network assists you in converting your purchases into No extra-cost EMIs.

Read also: What are ECS Types & Its Charges

Method of using the Bajaj EMI Network Card for e-commerce purchases

Leading e-commerce Company offers you a variety of products, including televisions, air conditioners, smartphones, washing machines, and lifestyle products.

These companies have aligned with the Bajaj EMI Network to make these purchases more convenient by offering products on No extra cost EMIs. Use your Bajaj EMI Network Card, say, to shop on Flipkart for over 4 million products. Here’s how to use your Bajaj  EMI Network Card to take advantage of No Cost EMI.

Visit the Flipkart website and select the product you wish to purchase.

  • Confirm whether or not Bajaj Finserv offers the product on No Cost EMI. After clicking “Buy Now,” go to the payment page.
  • Select Bajaj Finserv No Cost EMI as your preferred payment method on the payment page. Choose an appropriate repayment term.
  • Provide your EMI Network Card information and submit the OTP sent to your registered mobile number to complete your purchase.

Must Read: Honest Review of Bajaj Insta EMI Card

Process of obtaining Bajaj Finserv Wallet

  • Download the Bajaj Wallet App from the App Store or Google Play.
  • Enter your mobile phone number to receive a One-Time Password
  • Enter the OTP to initiate the verification procedure, then select the ‘Know More’ option.
  • Learn how to utilize the Bajaj EMI Network Card and other app features by entering your personal information.

Can money be withdrawn using the Bajaj EMI Network Card?

Using your Bajaj EMI Network Card, you cannot withdraw cash from an ATM or any other platform. An approved loan of up to 4 lakh INR is included with the Bajaj EMI Network Card. It can be utilised for online and offline purchases of electronics, appliances, groceries, clothing, and over 1.2 million additional products. The EMI Network Card can also be used in over 2,900 cities and 1.2 million partner stores. Numerous major Bajaj Finserv partner stores include Croma, Vijay Sales, Reliance Digital, and Big Bazaar. You can also use it to shop on e-commerce websites such as Flipkart, Amazon, MakeMyTrip, Yatra, and others.


The Finserv EMI card is only one of its kind credit card with a pre-approved credit limit of up to 4 lakh INR. Additionally, the card can be utilized at partner stores to make purchases with no-cost EMI. Not all products offer No Interest Payments. In such cases, Bajaj Finserv’s terms and conditions stipulate a nominal interest rate. The rate of interest on the Bajaj EMI Network Card varies based on the product and store from which you make your purchase.


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