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EMI ( Easy installments) Facility

Bajaao provides EMI facility for credit cards from all major banks via 2 secure payment gateways. CCAvenues and PayU. This facility helps you pay for your purchases in easy monthly installments.
Please find Easy EMI Calculator and the list of banks available for CCAvenues and PayU gateway below.
EMI Duration Monthly EMI(Rs) Total Cost(Rs)
6 EMIs.@ 16.00 %p.a
12 EMIs.@ 18.00 %p.a
24 EMIs.@ 18.00 %p.a


You can now avail EMI using your Credit Card, Bajaj Finserv card and other digital EMI options such as Instacred and ZestMoney. Find more info below

Bajaao provides EMI facility for credit cards from all major banks. This facility helps you pay for your purchases in easy monthly installments and make your purchases more affordable.

The final amount you pay is Total product Price equally divided by No of months.

Note: * GST and other taxes if applicable may be charged by your bank.
** A one-time processing fee will be charged by our product specialists while placing your order.

How to use EMI facility?

If you have any of the above eligible Credit Cards, follow the below steps.

1) On the payments page, choose the correct payment gateway, CCAvenues or PayU based on the above chart.

2) At the payment gateway select EMI option, your respective bank, desired EMI duration and click on Make payment/ Pay Now.

How EMI payment works ?

  • As soon as you complete your order on the payment gateway and receive an order confirmation email from Bajaao, you will see the full amount charged on your credit card. This charge is blocked against your card limit and not billed in your billing cycle.
  • After 2-4 working days, your Bank will convert this charge into EMIs.
  • From your next billing cycle, you will be charged the specific EMI amount on your card bill and your credit limit will be reduced by the outstanding amount. For example, if you have made a 3-month EMI purchase of Rs. 10,000 and your credit limit is Rs. 50,000 then your bank will block your credit limit by Rs. 10,000 and thus your available credit limit after the purchase will only be Rs. 40,000. As and when you pay your EMI every month, your credit limit will be released accordingly.

Cancelations / Refunds for EMI purchases

If you cancel or return an order purchased using "EMI", Bajaao will refund amount as per the existing refund policy and the EMI purchase will be cancelled. You will be required to need to connect with your bank to confirm how the EMI scheme on your credit card has been modified, or for any queries on foreclosure.

Bajaj Finserv | EMI | Terms and Conditions.

Bajaao now provides the facility to opt for 0% EMI for all existing Bajaj Finserv customers.

Below are the Terms and Conditions for Bajaj Finserv offer:

1) Products above the value of Rs.5000 are eligible for Bajaj Finserv 0% EMI facility.

2) The acceptance of the payment is at the discretion fo Bajaj Finserv Pvt Ltd and as per the available credit limit on the card of the customer.

3) A processing fee will be levied on the order during the checkout and payment depending on the EMI tenure and amount.

4) This offer can not be combined with any other offers or discounts.

For more information and to place your order using your Bajaj Finserv card, please contact our product specialists on 022-42035353

 Questions? Speak To Our Product Specialist (EXT 1) +91-22-42035353