EMI Card or Credit Card? What’s Best For You?

Apart from debit options, credit tools are the best solution to buy any new electronics or household items. Credit tools are manifold, among which credit cards and EMI cards gain more prominence. A credit card is the most lucrative when shopping for anything online and offline. 

However, the popularity of EMI cards is on the rise. One of the best EMI cards in recent times is the Bajaj Finserv Insta EMI card. If you are wondering which is best for you, keep reading to know more!

Credit Card Vs EMI Card?

  • With credit cards, there is a certain threshold that cannot be crossed. However, the best EMI card by Bajaj Finserv offers you a pre-approved loan of up to Rs. 2 lakh. 
  • Applying for a credit card is a task in itself. The EMI card is easily accessible, and you can apply for it even if you do not have a credit card. The application can be made both online and offline. 
  • Credit cards come with limited offers and discounts. The Bajaj Finserv card has many features that make it superior to all types of  EMI or credit cards for online shopping. One of the best and most iconic features is you can buy a phone on EMI without a credit card. 
  • Tenures are never easy with credit cards. With the best EMI card offered by Bajaj, you can buy a phone or electronic item when you are out of cash and schedule the EMI for 3 to 24 months.
  • Credit cards do not offer no-cost EMI, and interest rates are applicable. With the Bajaj EMI card, you can make your purchase at no cost EMI and with zero down payment. 
  • Credit cards only serve limited usage. Bajaj Finserv Network EMI card provides a diversified range of electronic items and more than a million products. You can use this card on various stores like; Flipkart, Amazon, Make My Trip, yatra.com, Croma, & many others that are affiliated with Bajaj. 
  • Hidden charges and application fees are an issue with credit cards. The Bajaj EMI card does not have hidden charges, and you only need to pay a one-time fee of Rs. 530 to get it. 

Thus, don’t wait anymore; apply for the Insta EMI Card and make your shopping a hassle-free experience.

It is cost-effective, lucrative, and the most beneficial card for working professionals. 


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