Consumer durable financing · Verified 25 Sep 2026
Bajaj Finance Insta EMI Card
The card identifies you for separate purchase loans. Bajaj quotes each loan’s interest, processing fee and repayment schedule before you accept it.
Check current Bajaj terms →Verified fees
- One-time card joining fee
- ₹530 (tax included)
- Annual card fee
- ₹0
- Loan processing fee
- Up to ₹1,017 including tax, per approved loan
- Possible upfront interest
- Up to ₹1,017, per the current terms
How to assess a purchase offer
The ₹530 joining fee pays for card issuance and already includes applicable tax. It is separate from the charges on a purchase loan. There is no published universal APR or CIBIL rate ladder for this card.
- Check the interest rate, processing fee, upfront interest, convenience fee and total repayment shown for that purchase.
- Compare the total amount payable with the cash price and any other financing offer before accepting the transaction.
- A “No Cost EMI” promotion may still have separately disclosed charges; review the full loan terms.
Bajaj’s current terms cap the loan processing fee at ₹1,017 including tax. They also list upfront interest up to ₹1,017 and an existing-customer convenience fee up to ₹270 including tax. Actual charges depend on the offer.
Frequently Asked Questions
Is the ₹530 fee a loan processing fee?
No. ₹530 is the one-time Insta EMI Card joining fee, including applicable tax. Each purchase loan may have its own processing fee, up to ₹1,017 including tax under Bajaj’s current terms.
What interest rate or EMI will I pay?
Bajaj does not publish one universal rate for every Insta EMI Card purchase. Interest, fees and tenure depend on the approved transaction offer. Check its repayment schedule before accepting.
Is there an annual card fee?
Bajaj’s current Insta EMI Card product page says there is no annual or renewal fee. The one-time joining fee is ₹530 including applicable tax.
Official Sources & Citations