What is the eligibility criteria for obtaining the Bajaj EMI Card?

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EMI cards unlock a world of amazing benefits and access to gadgets, home appliances, personal devices, furniture, gym equipment, professional courses and even holidays. Many millennials dream of the day they can bring home everything their heart desires.

Once they receive their EMI card login details. EMI cards are growing in popularity because they allow you to live within your means, but also allow you to purchase items that might not fit if you only had your monthly salary to work with.

However, this ‘key’ to all things with hefty price tags cannot be procured by just anybody, as your research might have told you. Similar to credit cards, EMI cards also have certain eligibility criteria that the applicant(s) must fulfil.

Nobody likes the feeling of a rejected application and you are definitely making a wise move by evaluating your eligibility, before going ahead and applying for an EMI card such as the Bajaj Finserv EMI Network Card. 

Procuring the Bajaj Finserv EMI Network Card entails meeting certain basic and rudimentary eligibility criteria. These include: 


When credit is being extended to you, the credit issuer needs to know that you are of an age group that allows you to work, earn and repay your debts. 

  • Apply for Bajaj EMI Card online if you are between 23 and 65 years old. 
  • If you are applying offline, you must be between 21 and 60 years old. 

Regular income source

The idea of an EMI Network Card is to pay in bite-sized, pocket-friendly monthly instalments that suit your monthly income. For example, you might not earn enough to pay Rs. 1 lakh for a home theatre system upfront, but you can afford to pay Rs. 4000 a month over the next two years. The EMI Network Card lets you own that television without paying the entire amount upfront. 

However, the whole point is moot if you do not have a regular monthly income. It is the credit issuer’s responsibility to verify your ability to repay the amount, and as a result, you must be able to show salary slips or some proof of guaranteed income.  

Credit score

Any credit issuer is expected to check not just your ability to repay your debts, but also your willingness. In other words, they will check your CIBIL score or your credit score. If you frequently default on EMI payments and credit card bills, you might find yourself being questioned by any credit issuer. Alternatively, you might have to settle for a lesser credit limit (called loan limit in the EMI card space) till you can clear your name. 

However, if you do not yet have a credit score (because you have never opted for credit), the EMI Network Card might be a good place to start developing one. Having a credit score is definitely useful if you happen to need a loan later on in life. You do not need to provide any documentation with regard to your credit score. The credit issuer verifies this at their end.  


Additionally, you must be able to provide a set of very basic and easily accessible documents that can serve as proof of your age, identity and ability to pay off your debts. While you are researching the eligibility criteria, you should also be aware of the documents that will be required during the offline application process. 

  • PAN Card
  • Aadhaar Card
  • Address proof 
  • Cancelled cheque
  • Signed ECS mandate 

As you can see, you will most likely be eligible to obtain the Bajaj Finserv EMI Network Card. The application process is very simple and hassle-free. Moreover, if you want to apply online, an entirely digital application and verification process allow you to get your EMI card login details within minutes. 

To apply for the EMI Network Card online, all you need to do is:

  1. Visit the Bajaj Finserv website
  2. Key in the requisite basic details and get your pre-approved limit
  3. Go through KYC verification entirely online (OKYC or CKYC)
  4. Pay the nominal joining fee

Alternatively, if you prefer to apply offline, you need to: 

  1. Visit the nearest Bajaj Finserv partner store. To find the nearest partner store, all you need to do is use the ‘Store Locator’ feature on the Bajaj Finserv website
  2. Select a product that you want to purchase
  3. Contact the store representative and ask about the EMI payment facility
  4. Submit your documents to get your Bajaj Finserv EMI Network Card

Applicant-friendly eligibility is not the only factor that makes the Bajaj Finserv EMI Network Card so popular. You also get benefits like the possibility of an annual fee waiver when you spend, exclusive offers and discounts on the Bajaj Finserv EMI Store, No Cost EMI facility and the zero down payment provision when you shop on the EMI Store.