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    Home»Technology»How to Shop Online on EMI Without a Credit Card
    Technology

    How to Shop Online on EMI Without a Credit Card

    Gposting ComBy Gposting ComJanuary 29, 2023Updated:January 29, 2023No Comments3 Mins Read
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    Many times, individuals tend to delay or even cancel their purchase plans after seeing the price tag of a product. However, with the concept of EMIs or Equated Monthly Instalments that came into existence in recent years, many things have changed, and the purchasing power of people has undoubtedly increased. 

    This scheme is widely popular, and recently, instead of a credit card, individuals are going for an EMI card, the new big thing in the market. It is one of the best ways to buy products on EMI without a credit card and has allowed people to acquire expensive things that they may not be able to afford upfront. 

    Believe me, when I moved to my new address, there were a lot of expensive items that we were planning to purchase. However, with the help of an EMI card (details below), I could purchase a television, refrigerator etc., at zero percent interest and for quite a long tenure of the EMIs instead of the basic six months. 

    What is an EMI?

    An EMI is a fixed amount paid by a borrower to a lender at a specific date each month to pay off a loan. It depends on the amount borrowed, interest rate, loan tenure, and the monthly/annual resting period and is paid over several years to pay off the loan. 

    What is an EMI card?

    Now, only a few organizations out there offer an EMI card. I have been using the one offered by Bajaj Finserv and availed it simply from their app. Moreover, it can also be used digitally, so I don’t have to carry it everywhere. Believe me; it has one of the best deals to offer. 

    An EMI card helps in shopping on EMI without credit card as it works as a pre-approved loan that helps you buy any lifestyle and durable product of your choice. 

    What are its pros?

    • Flexible 

    These cards offer flexible repayment options that allow one to choose the number of months over which they would like to pay off. Compared to a credit card, it has quite a long term. 

    • Stretch your budget

    Instead of the boring credit cards that generally offer a six-month no-cost period for EMIs, these cards offer way more than it. This reduces the borrower’s burden and helps them purchase the best!

    • Shop upto Rs 2 lakh

    This card makes without credit card EMI online shopping of up to Rs 2 lakh possible without any hesitation. So, with this and no-cost EMI and longer tenure, purchase your favourite product!

    How to avail this card?

    1. Download the Bajaj Finserv app from App Store/Play Store.
    2. Sign up.
    3. Go to the EMI Network Card option under the Products for you category on the homepage  
    4. Tap on it and then tap on Get it now
    5. Enter all the required details

    (Note: This content is not promotional. Just sharing my personal experience for a better understanding of the readers.) 

    Conclusion

    All-in-all, if you are planning to purchase electronics or appliances and cannot due to the higher price or short-term no-cost EMI, going for an EMI card is highly recommended! This is because it is one of the best ways to buy products on EMI without a credit card. 

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