Shopping on EMI Without a Credit Card: What You Need to Know Before You Start

When an individual plan to purchase a lifestyle or durable product on EMI (Equated Monthly Instalment), the first and foremost thing that comes into our minds is a credit card. But only a few know that shopping on EMI without credit card is the new big thing. Yes, you heard it right. In recent years, EMI cards have gained a lot of popularity in the market, and many individuals are opting for them.

This card works as a pre-approved loan and offers much more perks than a credit card. Credit cards are now an old-school method of purchasing products.

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What is an EMI card?

As the term suggests, it is a card that allows an individual to buy any product (durable or lifestyle) on interest-free EMIs. It will enable them to convert purchases made on the card into EMIs at the time of the purchase. To avail this card, firstly, it is essential to understand that your age should be between 21 years – 60 years and secondly, you should have a regular source of income

Around six months back, when I moved to Gurugram, Haryana, I was planning to purchase a new television set for my new home. But, believe it or not, a good television comes with a hefty price. So the one my wife and I chose was for Rs 1,49,000. Now, being a wise spender, I wasn’t ready to go all in at once, so one of my colleagues told me about the Bajaj Finserv EMI card.

Trust me, it is one of the best ways to do without credit card emi shopping. This is because this card offers much more time for no-cost EMIs than mainstream credit cards.

What are its benefits?

●    Flexible Repayment

When you opt for an EMI card, you need not worry, as it offers flexible repayment tenure. Varying from 3 months to 24 months, this card is quite flexible!

●    Pre-approved loan

It comes with a pre-approved loan amount of Rs 2 lakh that makes shopping on emi without credit card relatively easy. So to make any heavy purchase like an expensive smartphone or laptop, this is the best card to grab.

●    E-Wallet

There is no need to carry this card everywhere as it can be used digitally. Download the Bajaj Finserv app, and you are more than good to go!

How to avail this card?

  1. Download the app on your smartphone.
  2. Sign up by entering your mobile number
  3. Once you log in, tap on the EMI Network Card option under the ‘Products for you’ section on the homepage.
  4. Tap on Get it now.
  5. Enter all the required details and proceed.


Without credit card EMI shopping is the new thing in this era. But, if you still depend on your credit card for such shopping, you need to think again. This is because an EMI card offers many benefits and a much longer no-cost EMI period compared to it. So, make your choice wisely!

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