Bajaj EMI Card

The Bajaj EMI Card for Credit Line is a financial product offered by Bajaj Finance Limited that functions as a pre-approved credit line for eligible customers. It allows users to make purchases on credit across various partner stores and e-commerce platforms. The EMI Card comes with a predefined credit limit, and customers can use it to buy a wide range of products and services, such as electronics, appliances, furniture, gadgets, travel bookings, and more.

When a customer makes a purchase using the Bajaj EMI Card, they have the option to convert the transaction amount into easy monthly installments (EMIs). These EMIs are then automatically deducted from the customer’s credit line each month until the total amount is repaid.

The Bajaj EMI Card for Credit Line provides users with the flexibility to make big-ticket purchases without the need for immediate cash payment. It simplifies the buying process, offers affordability, and empowers customers to manage their expenses more effectively.


  1. Pre-Approved Credit Line:

    The Bajaj EMI Card comes with a pre-approved credit line, providing customers with instant access to a predefined credit limit.

  2. Affordability and Convenience:

    With the Bajaj EMI Card, customers can make big-ticket purchases without the need for immediate cash payment, enhancing affordability and convenience.

  3. Instant Activation:

    The EMI Card is instantly activated once the customer becomes eligible, allowing them to start using it immediately for purchases.

  4. EMI Conversion at Partner Stores:

    The EMI Card can be used at a wide network of partner stores and e-commerce platforms, offering the flexibility to convert purchases into EMIs at the point of sale.

  5. Online Account Access:

    EMI Cardholders can access their account details and track their transactions online through the Bajaj Finance website or mobile app.

  6. Credit Score Improvement:

    Timely repayments of EMIs can positively impact the customer’s credit score, enhancing their creditworthiness in the long run.

  7. Exclusive Offers and Discounts:

    Users may receive exclusive offers, discounts, and promotions while making purchases using the EMI Card, adding extra value to their transactions.

  8. Flexible Repayment Tenures:

    Customers have the option to choose from a range of repayment tenures for their EMIs, making it adaptable to their financial needs.


The eligibility criteria for the Bajaj EMI Card for Credit Line may vary depending on the specific terms and conditions set by Bajaj Finance Limited. However, here are some general factors that are often considered for determining eligibility:

Age: The applicant should typically be within a certain age bracket, usually between 21 years to 60 years.

Income: Bajaj Finance may have a minimum income requirement, and the applicant’s income should meet or exceed this threshold.

Credit Score: A good credit score is often preferred, as it reflects the applicant’s creditworthiness and repayment history.

Employment Status: The applicant should usually be salaried or self-employed with a stable source of income.

Documentation: The applicant must provide the necessary documents, such as identity proof, address proof, PAN card, bank statements, and other relevant documents as per Bajaj Finance’s requirements.

Previous Relationship: Existing customers of Bajaj Finance may have higher chances of approval for the EMI Card, especially if they have maintained a good repayment history.


  1. Shopping:

    Customers can use the Bajaj EMI Card to shop for a wide range of products and services, including electronics, appliances, furniture, gadgets, fashion, travel bookings, and more.

  2. Affordable Purchases:

    The EMI Card allows users to convert their purchases into easy monthly installments (EMIs), making high-value purchases more affordable and manageable.

  3. No Cost EMI:

    Some transactions on the EMI Card may qualify for “No Cost EMI,” meaning customers can avail of the EMI facility without incurring any additional interest charges.

  4. Flexibility of Repayment:

    The Bajaj EMI Card offers customers the flexibility to choose from various repayment tenures for their EMIs, tailoring it to their financial capacity.

  5. Travel and Holidays:

    The EMI Card can be used for booking travel tickets, hotel stays, holiday packages, and other travel-related expenses, making vacations more accessible.

  6. Elective Courses and Learning:

    It can be used to enroll in educational courses or learning programs, giving individuals the chance to enhance their skills and knowledge.


  1. Financial Inclusion in Rural Areas:

    Fayda Pay aims to promote financial inclusion in rural areas by providing access to the Bajaj EMI Card for Credit Line. We empower local shop retailers and individuals with a reliable credit facility for their financial needs.

  2. Easy and Convenient Application Process:

    With Fayda Pay, applying for the Bajaj EMI Card is a hassle-free process. We simplify the application procedure, making it convenient for customers in rural areas to avail of the EMI Card services.

  3. Exclusive EMI Card Offers:

    Customers who choose Fayda Pay for the Bajaj EMI Card gain access to exclusive offers, discounts, and promotions, enhancing the value of their purchases and transactions.

  4. Expert Guidance:

    Our dedicated customer support team provides expert guidance throughout the application process, helping customers understand the benefits and usage of the Bajaj EMI Card effectively.

  5. Secure and Trustworthy:

    Fayda Pay ensures the security and confidentiality of customers’ information while processing their Bajaj EMI Card applications, building trust and confidence among users.

  6. Empowering Retailers:

    Local shop retailers partnering with Fayda Pay can expand their business prospects by offering Bajaj EMI Card services to customers, creating an additional earning opportunity.

  7. Wide Network of Partner Stores:

    Through Fayda Pay, customers can access a wide network of partner stores and e-commerce platforms where the Bajaj EMI Card can be used for purchases, providing greater convenience.


  1. Types of Accounts: :

    Understand the different types of bank accounts available and their features. Research various options such as checking accounts, savings accounts, money market accounts, or specialized accounts tailored to specific needs like student accounts or senior accounts. Compare the benefits, fees, interest rates, and requirements associated with each account type to choose the one that aligns with your financial goals.

  2. Fees and Charges:

    Familiarize yourself with the fees and charges associated with the bank account you intend to open. Banks may have monthly maintenance fees, transaction fees, ATM fees, overdraft fees, or charges for additional services. Ensure you are aware of the fee structure and any conditions that may waive or reduce these fees, such as minimum balance requirements or qualifying activities.

  3. Minimum Balance Requirements:

    Many bank accounts have minimum balance requirements. This means you must maintain a certain amount of money in the account to avoid fees or account closure. Determine whether the minimum balance requirement is within your financial means and whether you can comfortably maintain it. Consider any penalties or consequences for falling below the minimum balance requirement.

  4. Account Access and Convenience:

    Assess the bank’s accessibility and convenience factors. Determine whether the bank has a widespread ATM network, online and mobile banking services, and customer support options that suit your needs. Consider factors like branch locations, banking hours, and the availability of features like check depositing, bill payment, and electronic fund transfers.

  5. Bank Reputation and Security:

    Research the bank’s reputation, reliability, and security measures. Consider factors such as the bank’s financial stability, customer reviews, online security protocols, and any applicable deposit insurance programs. Ensure that the bank is reputable and trustworthy, as you will be entrusting them with your money and personal information

Taking the time to gather information and understand these aspects before opening a bank account will help you make an informed decision and choose the account that best suits your financial needs and preferences.


The Bajaj EMI Card can be used at a network of partner stores and e-commerce platforms across various categories to make purchases on credit.

When making a purchase using the Bajaj EMI Card, you have the option to convert the transaction amount into EMIs at the point of sale. The tenure and EMI amount can be chosen according to your preference.

Some purchases may not require any down payment, making it more convenient for customers to avail of the EMI facility.

Bajaj Finance provides an online account access facility where you can track your EMI transactions, repayment schedule, and account details.

Yes, Bajaj EMI Cardholders may enjoy exclusive offers, discounts, and promotions while making purchases, enhancing the value of their transactions.