Is it Possible to Avail No Cost EMI Offers without a Credit Card in India?

Consumers in India have switched to card use in order to pay for their favourite products. Credit cards give users the facility of having ‘cash on hand’ and the ability to buy any product spontaneously. Buying goods on EMIs is also possible and you get more affordability as payments are staggered so as not to pinch your savings. Although credit card use is widespread, people are using an EMI card to pay for products. Let us understand why. 

What is EMI without a credit card?


Ways in which you can still opt for easy and convenient payment tools come when you use the Bajaj Finserv EMI Network Card. This is a digital payment instrument from Bajaj Finserv, and purely a card for you to pay for your products in No Cost EMI. By availing the card, you get a load of benefits such as paying for products in No Cost EMIs in flexible tenures. This gives you affordability. With this card, you can pay in EMIs without any interest levied. Typically, when you pay for products using credit card EMI, you are charged hefty interest rates with each EMI. 


Categories/Partners associated with Bajaj Finserv EMI Network Card


When you use the Bajaj Finserv EMI Network Card, you should understand that How Does No Cost EMI work?. It represents a benefit for you as you don’t pay any interest on EMIs. Moreover, with this card, you can get the advantage of shopping at a host of popular partner stores, getting the best choice of brands and models. Across brands and categories, you can shop with convenience online, browsing and comparing prices, features and specifications. Furthermore, you can save a lot when you shop as retail partners of Bajaj Finserv offer you attractive deals. Here are key categories of products you can buy with corresponding brands and stores that accept the Bajaj EMI Card: 


  • Furniture - Partners where you can buy furniture from include Pepperfry, Hometown and AtHome.
  • Smart TVs - Brands you can buy smart televisions from include Mi, Samsung, etc.
  • Smartphones - Smartphone brands available with No Cost EMI include those from Mi, Realme, Vivo, Oppo, etc.
  • Travel -You can book hotels and tickets with partners like Yatra, MakeMyTrip and GoIbibo
  • E commerce - Shop at ecommerce portals like Amazon, Flipkart, Paytm Mall and the best, the Bajaj Finserv EMI Store, for an array of products from home appliances  to furniture online. 

The Advantages of an EMI Card


When you shop with an EMI card such as the Bajaj Finserv EMI Network Card, you get the following features/benefits over a credit card: 


  • You can avail super offers with the Bajaj Finserv EMI Network Card, as cashback offers. Discounts linked to card use are available too.
  • You get a variety of products to choose from and you can browse and compare offers between brands/products as you shop online.
  • Shopping with the Bajaj Finserv EMI Network Card assures you of zero down payment on several products as you purchase on EMIs. This facility is rarely available on several products when you pay with credit cards.
  • You can shop with the Bajaj Finserv EMI Network Card in No Cost EMI which means you don’t pay any interest with EMIs, unlike credit cards. 

Benefits Await You


It is time to get rid of your credit card in favour of the Bajaj Finserv EMI Network Card, letting  you shop for a range of products in No Cost EMI from multiple partner retailers. Choose flexible tenures for repayment and avail of free delivery of products too. 

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