Cardless EMI in Bajaj Finserv

Cardless EMI in Bajaj Finserv: Shop on EMIs Without a Credit or Debit Card

Introduction to Cardless EMI:

  • In an era where digital finance is king, Bajaj Finserv introduces a revolutionary service: Cardless EMI. This novel financial tool allows consumers to purchase goods on EMI (Equated Monthly Installments) without the need for a traditional credit or debit card. By leveraging this service, shoppers can enjoy a seamless and flexible shopping experience, making high-value purchases more accessible and manageable. The concept not only simplifies transactions but also extends financial inclusivity, catering to those without access to conventional banking products.

How Cardless EMI Works:

  • The process for cardless creators with Bajaj Finserv is designed to be simple and user-friendly. This is as consumers begin selecting the cardless option at checkout from partners. After a possible eligibility check, the amount of the purchase is immediately considered, and the selection of a possible eligibility check is communicated. Bajaj Cardless aims to provide benefits to the shareholders, so the process is simple and fast. Consumers now get an easy and flexible way to pay in installments to enjoy their selected products, making their shopping experience more interactive.

The Partnership between Bajaj Finserv and Retailers:

  • The partnership between Bajaj Finserv and retailers adds a new dimension to an issue that strengthens their business models. The main objective of this partnership is to provide more convenient financial services to consumers, thereby expanding the seller's customer base and increasing customer satisfaction. In this traditional relationship, Bajaj Finserv provides a medium for retailers to offer cardless EMI service to their customers, thereby increasing the reach of their products. Along with this, the seller improves the financial condition of the consumers by providing them the opportunity to purchase its products through the EMI facility. Thus, retailer partnership with Bajaj Finserv not only strengthens their business but also provides a medium to move forward in the area of ​​financial inclusion.

Advantages of Cardless EMI in Bajaj Finserv:

  • There are many benefits of cardless EMI at Bajaj Finserv. Firstly, it does not require consumers to have a credit or debit card, thereby providing EMI facility even to those who do not want to or do not want to use cards. Secondly, the choice of flexible installment tenures offered by Bajaj Finserv helps consumers manage their financial position better. Third, the service provides consumers with the option to make business or personal purchases. Which makes their shopping experience smooth and flexible. Additionally, the rates and charges offered by Bajaj Finserv are favorable, providing consumers satisfaction while using this service. Ultimately, the service promotes financial inclusivity and includes those who cannot avail banking products due to lack of access.

Application Process for Cardless EMI:

Applying for cardless EMI at Bajaj Finserv is a simple process. You can apply for this service by meeting the following criteria:

  • Application: You have to apply online for cardless EMI service by visiting the official website of Bajaj Finserv. You will fill the required information and details there.
  • Proofs required: You will have to submit the required certificates along with the application. This may include passport, PAN card, Aadhar card, bank statements, etc. for your identification.
  • Approval: Once the information provided by you is confirmed, your application will be approved.
  • Access to Cardless EMI Service: Once your application is approved, you can avail the Cardless EMI service online with Bajaj Finserv or by visiting your nearest retail store.
  • Payment: Your EMI has to be paid as per the tenure as specified by Bajaj Finserv.

During this process, you must submit all the required information correctly and on time so that your application can be processed smoothly.

Eligibility Criteria for Cardless EMI:

The following may be the eligibility criteria for Bajaj Finserv Cardless EMI service:

  • Age: Applicant must be at least 18 years of age.
  • Citizenship: The applicant must be an Indian citizen.
  • Income Status: The income status of the applicant is determined to calculate their paying capacity for cardless EMI.
  • Stability of work: The applicant must be in a regular and stable employment or interview.
  • Certificates: The applicant must present the certificates required by Bajaj Finserv such as Passport, PAN Card, Aadhar Card, etc.

Interest Rates and Fees:

The interest rates and charges for Bajaj Finserv Cardless EMI service can vary, depending on the income of the applicant, the loan amount, and the tenure of the EMI selected. Bajaj Finserv usually provides information on its website along with documents indicating the interest rate and trading terms.

  • Interest Rates: Interest rates are generally determined based on financial market conditions and requirements. These interest rates can be monthly or annually.
  • Charges: Charges may also be applicable for cardless EMI by Bajaj Finserv. In addition to the above interest rate, there may be established charges such as processing fee, origination fee, and additional charges.

Safety and Security Measures:

In the digital age, safety and security of financial transactions is important. Bajaj Finserv uses advanced security measures to protect customer data and prevent fraud. The safety and security of consumers is given importance with Bajaj Finserv Cardless EMI service.
The following measures help ensure safety:

  • Encryption: Bajaj Finserv's EMI platform uses encryption technology to ensure that messages, data and transactions remain secure for customers.
  • Neutral Servers: Bajaj Finserv's EMI servers have secure storage facilities to ensure a high level of neutrality.
  • Aadhaar-based authentication: Bajaj Finserv uses Aadhaar-based authentication process to ensure the security of customer accounts.
  • Customer Support: Bajaj Finserv's customer support team handles any security related issues quickly and professionally.
  • Continuous Monitoring: The system is continuously monitored during EMI processing so that any possible abnormal activity can be detected immediately.

These measures together make the Bajaj Finserv Cardless EMI service secure and reliable, enabling customers to enjoy the services with confidence.

customer experience:

Real-life success stories and customer messages have played an important role in elaborating on the benefits of cardless EMIs. Bajaj Finserv Cardless EMI service reflects positive feedback on customer experience. The service provides convenient and easy financial solutions to customers, facilitating their shopping experience. Here are some of the highlights of some of the best customer experiences:

  • Convenience: Customers get the convenience of purchasing high value products from various e-commerce platforms through Bajaj Finserv Cardless EMI service.
  • Flexibility: Through cardless EMI service, customers get the benefit of payment options available on various e-commerce sites, giving them the flexibility to pay as per their budget.
  • Security: Bajaj Finserv uses high-level security protocols, ensuring the security of customer transactions.
  • Compliance: Bajaj Finserv's service is aligned with good compliance and diligence, resulting in customer satisfaction.
  • Support: Bajaj Finserv's customer support team is always available to assist customers.

All these experiences make it clear that Bajaj Finserv Cardless EMI service is a leading choice for customers as a financial solution that is safe, convenient, and cost-effective.


  • The conclusion of the Bajaj Finserv Cardless EMI service marks a significant step towards providing customers with new financial avenues. This service allows customers to enjoy the benefits of EMI without the need for any traditional cards. Through this, consumers can easily purchase high-value products and manage their finances with flexible EMI periods. Additionally, the service offers convenient payment options and ensures high-level security for customers. The Bajaj Finserv Cardless EMI service has not only enhanced the shopping experience for customers but has also improved financial inclusivity, providing more individuals with access to financial services. With this innovative service, Bajaj Finserv has taken another important stride in financial technology, assuring customers of walking hand-in-hand towards modern and convenient financial solutions.


What is Cardless EMI and how does it work?

  • Cardless EMI allows you to purchase goods on installment without needing a credit or debit card, by simply choosing a repayment plan at partnered retailers after an instant eligibility check.

Who is eligible for Cardless EMI with Bajaj Finserv?

  • Eligibility for Cardless EMI includes Indian residents with a stable income, meeting Bajaj Finserv's financial stability and employment criteria.

Are there any interest rates or fees associated with Cardless EMI?

  • Yes, Cardless EMI comes with applicable interest rates and may include processing fees, depending on the purchase and terms set by Bajaj Finserv.

Can I use Cardless EMI for online and offline purchases?

  • Yes, Cardless EMI is available for both online and offline purchases at Bajaj Finserv's partnered retailers.

What security measures are in place for Cardless EMI transactions?

  • Bajaj Finserv ensures secure Cardless EMI transactions through advanced data encryption and fraud prevention measures.

How can I apply for Cardless EMI with Bajaj Finserv?

  • Apply for Cardless EMI through Bajaj Finserv's official website or at partner retail stores by submitting minimal documentation and undergoing an eligibility check.

We hope that you like this content and for more such content Please follow us on our social site and YouTube and subscribe to our website.

Manage your business cash flows and payable/receivables using our Bahi Khata App