Yes, you can get a personal loan from Bajaj Finserv even if you hold a Bajaj EMI Card, but the EMI Card itself is not a direct personal loan facility. The Bajaj EMI Card is a buy-now-pay-later (BNPL) credit card used to purchase products and pay in easy EMIs at partner stores.
Can I Take a Loan on a Bajaj EMI card?
To get an actual personal loan from Bajaj Finserv, you must apply separately through their personal loan process, meeting the lender’s eligibility criteria.
Bajaj Finserv offers funds from Rs. 40,000 up to Rs. 55 lakh with flexible tenures (up to 96 months).
The Bajaj Finserv Insta EMI Card itself is not a personal loan product. It is a financing card that lets you convert purchases into EMIs using a pre-qualified loan limit, but it doesn’t work like a standalone personal loan where cash is disbursed into your bank account for general use.
The Insta EMI Card gives you a credit/loan limit that you can use only for purchases at partner stores and platforms; it doesn't give you funds as a cash credit or personal loan that you can spend on anything you want (like bills, travel, education, medical expenses, etc.).
The Bajaj Finserv Insta EMI Card (also called the Bajaj Finserv EMI Network Card) is a digital financing tool with features like:
Pre-qualified card loan limit of up to Rs. 3 lakh that you can use to make purchases on EMI.
Accepted at 1.5 lakh+ partner stores across more than 4,000 cities, both online and offline including big brands and marketplaces like Amazon, Flipkart, Croma, Reliance Digital, Home Centre, MakeMyTrip, Yatra, and more.
Lets you convert purchases into easy monthly EMIs (typically 3 – 60 months) instead of paying the full amount upfront.
This pre-qualified limit works like a line of credit for buying goods and services on EMI, not like a cash loan that you can withdraw and use freely.
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Can I Get Personal Loan with Bajaj EMI Card?
akash
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2026-01-22T09:19:13+00:00 2026-02-02T20:40:43+00:00Comment
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