No-Cost EMIs: Way Forward to Make Your Purchase More Economical

With so many essentials available online and offline, curbing the urge to buy new products is gradually becoming more difficult. However, bearing the expenses becomes troublesome if you always depend on full cash payments upfront. Still, many people do not apply for an EMI mode of payment as it attracts significant monthly interest. But now you can initiate the Bajaj Finserv card online application process and get rid of this issue. Regarding this, we have discussed everything you need to know in the following sections.

How do No-Cost EMI Tie-Ups Make Your Deals More Affordable?

Financial institutions sign a pact with merchants to allow no-cost EMI offers to consumers. This financing instrument works in two ways. 

In the first case, the vendor can offer you a product in exchange for a no-cost EMI deal if the discount equals the cumulative interest. For instance, suppose you buy a TV worth Rs. 42,000 online, on which the interest rate applied is 12%. 

If you decide to pay the full amount upfront, you have to pay an additional Rs. 5,040 as interest. Therefore, people often go with the no-cost EMI mode of payment. In that case, you get the benefit of paying in flexible tenures with no additional charges. 

Another instance that enables companies to provide no-cost EMI deals is when the interest sum is already included while marking the product price. This strategy is rarely followed by vendors, but whatever the case, the whole idea is to make big-ticket purchases more affordable. 

Why Choose Bajaj Finserv EMI Card?

From a consumer’s perspective, you can witness the following benefits of completing the Bajaj Finserv card online application:

  • You May Shop for up to Rs. 2 Lakhs

Many times we delay buying household essentials like a new gas oven or a refrigerator simply because committing to these purchases will exceed our monthly budget. However, after grabbing an EMI card from Bajaj you do not need to worry about these issues. With such a high threshold limit, you can easily concentrate on savings maintain a healthy credit history and at the same time. Also, the tenure can be fixed at your convenience, which helps waive off financial stress. 

  • You Get Used to Hassle-Free Offline Shopping

Offline shopping tours can be more desirable especially when you are going to invest a significant amount in a product. Hence, you may prefer using a Bajaj Finserv EMI Network card the next time you visit any of their partner stores. Besides providing a no-cost EMI facility, this card allows you to enjoy on-the-spot personalised discounts and cashback offers that make offline shopping affordable and seamless. 

  • Your Online Shopping Experience Reaches the Next Level

We prefer online dealings as they save our precious time and eliminate the need to crowd malls and stores. However, often such choices come at the cost of significant delivery charges, increased MRP, zero discounts, etc. It is quite possible you faced these issues before, so you can opt for the Bajaj Finserv EMI Network Card. Frequently using the Bajaj Finserv EMI pay option can guarantee more cashback offers, zero down payment, free delivery, and other additional benefits at your end. 

  • You Get the Benefits of Flexible Tenures and Zero Foreclosure Fee

Whether you opt for an EMI while purchasing an electronic gadget, furniture, or any item from the partner brands of Bajaj Finserv, you have full control to set the tenure. However, the maximum stretchable limit is 24 months while the minimum repayment window cannot be shorter than 3 months. Most importantly, once you have furnished the first instalment, you may make partial prepayments from time to time without any additional cost. 

  • The Online Application Process is Quick and Easy

Applying for a Bajaj Insta EMI Network card requires no offline engagements. You can get your card approved in minutes from the comfort of your home with minimal documentation required. 

How to Apply for the Bajaj Finserv EMI Network Card?

Registering yourself as a Bajaj Finserv EMI cardholder is an excellent decision because currently their services can be availed across 2,900+ Indian cities. 

Moreover, over 1.2 lakh partner stores all over the country accept Bajaj Finserv EMI card. To complete the card approval process offline, follow these steps:

Step 1: Visit any nearby partner store.

Step 2: Choose a product you wish to buy.

Step 3: Request the store representative or cashier to arrange for financing procedure via Bajaj Finserv. They will ask for basic documentation and provide you with the EMI card. 

Similarly, there is an online procedure too to apply for the Bajaj Finserv Network EMI card. This method involves the below-mentioned steps:

Step 1: Head to the Bajaj Finserv online portal.

Step 2: Provide all the details about income source, nationality and age. 

Step 3: Now wait for the card approval if you meet their eligibility criteria.

If you wish to benefit from no-cost EMI deals, then why not turn up for a successful Bajaj Finserv card online application? They make your life easy by cutting off added interests. Also, many times these offers are combined with zero down payments which makes a deal even more affordable. 

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