When you shop for an EMI card, you should ensure that all the finer details are suitable for you. If you are looking to apply for EMI card services through Bajaj, learn all about the card and how you can use it. The Bajaj Finserv card is an EMI card that gives you access to a preapproved loan. This loan amount can be as high as 4 lakhs.
Eligibility for the card
The application process for the Bajaj EMI card can be made both offline and online. When you apply for Bajaj EMI card you should first check if you are eligible for the card. To apply offline, you should be between the ages of 21 to 60 years old. To apply online, you should be between 21 and 65 years old. You should also have a regular source of income to be eligible for the card.
How to apply for Bajaj EMI card?
You need to purchase an item at one of the Bajaj Finserv card partner stores to apply offline. When you pay for the purchase, make the application for the card. The offline application requires that you submit documents such as your PAN card, address proof, cancelled cheque, ECS mandate and a photo. When you have completed your application and your card is approved, you will be the proud owner of a Bajaj Finserv EMI card. Use the card for other purchases as well and pay in easy EMIs.
You can pay off the amount that you have spent on your card in easy monthly instalments. You can select the tenure of the payment to suit your convenience. The payment can be split into EMIs over 3 months or over 24 months. This gives you the power to plan for your purchases easily. You can make a large purchase for your home without worrying about ready cash.
No penalty foreclosure
In the happy event of receiving a performance bonus from your workplace or a lump sum of cash from any source, you may want to pay off the entire amount of your BAJAJ Finserv card. Most card companies do not let you pre-close a loan without imposing a penalty. However, with the Bajaj Finserv card, you can foreclose a loan after you have paid 6 instalments, and you will not be charged extra or face any penalties. This is one crucial benefit that you must know about before you apply for EMI card.
Where can you use the card?
Bajaj Finserv has a network of over 60,000 partner stores. You will find partner stores in cities as well as small towns. So, you can continue to shop at your favourite offline store even though you have a digital EMI card. You can apply for the card at these partner stores as well. The app and the portal help you quickly locate physical stores wherever you are.
The card is also suitable for online shopping. Are you a big fan of the big sales and annual offers that the leading online stores promote from time to time? You can continue to shop at leading online stores as your Bajaj Finserv card is accepted widely. You may also avail of special discounts that may be offered for customers who pay with a Bajaj Finserv card. These offers may range from zero down payment to no extra cost EMIs.
The Bajaj Finserv EMI Store is a leading online retailer that sells all the most desirable electronics, appliances, fitness equipment and smartphones that you may be having on your wishlist. The EMI store offers huge discounts and offers so that you can get the best value for your money.
Online and offline
The Bajaj Finserv card does not limit your shopping. You can shop wherever you prefer. All the leading online shopping destinations and travel portals accept the Bajaj Finserv card. So, you do not have to change your shopping habits just because you have an EMI card. You can use your card to make purchases from Amazon, Flipkart and a whole other range of online shopping and travel service providers. The offline partner store network of Bajaj Finserv spans cities and small towns all across the country. You can use your app or the portal to find the best stores that accept the card near you.
App and website
Once you have used your EMI card, you will have to pay off the loan in equal monthly instalments. You can manage your payments and transactions easily through the web portal or the app. It allows you to view previous transactions, EMIs paid, available balance, EMIs due and all other details about your card. Both the app and the website have been designed with a clean, intuitive interface for ease of use. You will be able to find your way around easily and clearly. Do not worry that the app or portal can be misused because they are secured through OTP logins.
When you apply for Bajaj EMI card, you get access to all these benefits and more. You get a card that makes even bigger purchases affordable and accessible. You do not have to get loans or borrow money to keep your phone, laptop or refrigerator up to date. Apply for EMI card from Bajaj online or offline today and enjoy stress-free shopping!