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As inflation and commodity prices continue to rise rapidly, meeting expected and unexpected expenses can be quite stressful. Dipping into our savings for every little blip might not be a viable option. Taking a loan, on the other hand, can get quite expensive as lenders often charge high rates of interest on small, unsecured loans.
Now, let’s say that you’re setting up your new home and require a bunch of new appliances and gadgets. As exciting as this can be, the expenses associated can make quite a dent in your pocket.
In such situations, a Bajaj Finserv EMI Network Card can help you tremendously. This card is a simple financing solution that lets you make online and offline purchases on easy, affordable No Cost EMIs. So, rather than taking a loan or breaking into investments to make the payment upfront, you can convert your spends into easy EMIs.
You’ll get a pre-approved loan of up to ₹2 Lakhs that can be used to purchase gadgets, lifestyle goods, home appliances, and much more. You can purchase over a million products on No Cost EMI across 1.5 lakh online and offline stores spread across 4000 cities.
Here are some of the key features of the Bajaj Finserv EMI Network Card:
- Card limit of up to ₹2 Lakhs
- Network of over 1.2 lakh partner stores across 4000+ cities
- Affordable No Cost EMIs (1000+ EMI schemes)
- Flexible repayment tenure of up to 24 months
- Minimal down payment facility
- Smooth transactions with intuitive app
This card can help make your purchases simpler and more affordable. Here are some other benefits of the Bajaj Finserv EMI Network Card that make it your ideal shopping companion:
- High Loan Limit
With a pre-approved loan limit of up to ₹2 Lakhs, you can tick off your wishlist while also managing your finances effectively.
- Zero Interest Loan
When you purchase products on No Cost EMI at any Bajaj Finserv network store, you will not be required to pay interest.
- Flexible Repayment Tenure
You can tailor your repayment tenure according to your financial position and goals. If your priority is to get done with the repayments quickly, you can go for a shorter tenure that will allow you to make larger repayments. If you wish to keep your repayments small, you can opt for a longer repayment tenure that will bring down your monthly repayments considerably. The Bajaj Finserv EMI Network Card offers flexible repayment tenure options ranging from 3 months to 24 months.
- Wide EMI Network
Another key benefit of the Bajaj Finserv EMI Network Card is that you can purchase over a million products. You can make these purchases on No Cost EMI across 1.5 lakh online and offline stores across 4000 cities. So, no matter where you live or what you’re looking to purchase, the Bajaj Finserv EMI Network Card has got you covered!
- No Foreclosure Charges
Like with most other loans, you will be able to pre-close your loan. However, unlike with other loans, there are no foreclosure charges. This means that you can foreclose your loan without having to pay any additional charges.
- Exclusive Deals and Offers
With an expansive network of partners, the Bajaj Finserv EMI Network Card lets you access a number of pre-approved offers from Amazon, Flipkart, Croma, Makemytrip, Nykaa, etc.
- Minimal Processing Fees
You’ll be able to purchase your favourite appliances and gadgets on No Cost EMIs with little to no processing fees.
- Affordable Down Payment
With the Bajaj Finserv EMI Network Card, you’ll need to make a very minimal down payment when making a purchase. You can convert the rest of the amount to No Cost EMIs, helping you make big purchases without having to break the bank.
- Low Annual Fee
The Bajaj Finserv EMI Network Card is one of the most affordable cards out there, with a joining fee of ₹599 and an annual fee of ₹117. The annual fee will only be applicable when the card’s been inactive for a period of 12 months.
Wondering how you can get your hands on this card? Well, you can apply for the Bajaj Finserv EMI Network Card. But, before that, you’ll need to meet some basic eligibility requirements and furnish some documents. Let’s explore these requirements in detail.
- Eligibility Criteria
- Applicant must be a citizen of India
- Applicant must be between the ages of 21 and 65
- Applicant must have a regular source of income
- Applicant must have a savings or current account in India
- Applicant must have a good credit score (720 and over)
- Documents Required
- PAN Card
- ECS Mandate (duly signed)
If you meet the eligibility criteria and have all the required documents handy, you can get started on applying for a Bajaj Finserv EMI Network Card. The process for this is simple and takes only a few minutes. You can get started for the same on the Bajaj Markets’ app or website.
