In this digital world owning a smartphone is no longer a luxury but a necessity. From communication to online banking, shopping, and entertainment, everything happens through a mobile phone. However, purchasing the latest smartphone can be heavy on the pocket. This is where the Bajaj Finserv EMI Network Card comes to the rescue, allowing you to buy mobiles on easy EMIs without a credit card. If you are wondering how to buy a mobile on EMI using a Bajaj card, this step-by-step guide will help you understand the process in detail.
What is a Bajaj Finserv EMI Network Card?
The Bajaj Finserv EMI Network Card is a digital card that enables you to purchase products like smartphones, laptops, appliances, and even services such as healthcare and travel on no-cost EMIs. Unlike traditional credit cards, this card focuses on flexible EMI conversion, making high-value products more affordable. With over 1.5 lakh partner stores across India and leading e-commerce platforms, you can easily buy your desired mobile phone and pay in convenient monthly installments.
Benefits of Buying a Mobile on EMI
- Before diving into the steps, let’s understand why using this card is a smart choice:
- No-cost EMI option You don’t pay extra interest on your EMI.
- Minimal or zero down payment – In many cases, you can buy a phone without paying anything upfront.
- repayment tenure Choose EMIs ranging from 3 months to 24 months as per your budget.
- Wide network of stores – Available at major retail outlets and online platforms like Amazon, Flipkart, and Bajaj Mall.
- Quick and paperless process – No lengthy paperwork; everything is done digitally.
Step-by-Step Guide: How to Buy Mobile on EMI Using Bajaj Card
1. Check Your Card Eligibility
If you already have a Bajaj Finserv EMI Network Card, you are ready to shop. you can apply online through the Bajaj Finserv website. You need basic documents like PAN card, Aadhaar card, bank statement, and a photograph.
2. Select Your Mobile Phone
Browse through your preferred online shopping sites such as Flipkart, Amazon, or Bajaj Mall, or visit a partner retail store like Croma, Vijay Sales, or Reliance Digital. Choose the smartphone model you want to buy.
3. Choose EMI Payment Option
At checkout (online or offline), select Bajaj Finserv EMI Network Card as your payment method. The system will automatically show you available EMI options with different tenures.
4. Select Repayment Tenure
Pick a suitable EMI plan based on your monthly budget. For example, you can split the cost of a ₹30,000 mobile into 12 EMIs of ₹2,500 each without paying extra charges.
5. Authentication Process
For online shopping, you may need to enter your card number, registered mobile number, and OTP for authentication. For offline shopping, the store executive will help you complete the process.
6. Enjoy Instant Approval
Once authenticated, your purchase will be instantly approved, and you can walk out of the store with your new mobile or get it delivered when shopping online.
7. Track Your EMIs
After purchase, you can easily track your EMI schedule using the Bajaj Finserv mobile app or customer portal. You’ll receive reminders for due dates to ensure timely payments.
Tips for a Smooth EMI Experience
- Always check if the mobile you are buying is listed under no-cost EMI offers.
- Make sure your Bajaj card has a sufficient EMI limit to cover the phone’s price.
- Pay EMIs on time to avoid penalties and maintain a good credit profile.
- Compare offers across different partner stores to get the best deal.
Conclusion
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Buying a smartphone has become easier and more affordable with the Bajaj Finserv EMI Network Card. Whether you shop online or offline, the process is simple, quick, and completely paperless. With benefits like no-cost EMI, zero down payment, and flexible tenure, you don’t have to postpone your dream of owning the latest mobile. By following the above steps, you can purchase your next smartphone without straining your budget and pay in easy monthly installments.