People love to shop. As consumers, we love a good bargain, and all of us crave for things. It is but human nature. Many people find it therapeutic (and maybe detrimental to their bank accounts). Nonetheless, most of us do think of how much we can spend on a said item and are aware of a certain budget. With so much temptation and so many choices, it’s not easy to resist the urge to splurge. Some people may not spend as much as they have needs to fulfil, especially if they have families.
From appliances to furniture and clothing to gadgets, there’s always a consumer who has to spend on something or the other. Whether you can afford a specific item or not, you may still need it. You may not be able to pay by cash upfront, so credit cards help, which offer interest-free periods. So do digital payment tools like the Bajaj EMI Card. By using your credit card, debit card (if you’re eligible), or the Bajaj Finserv Bajaj EMI Card apply, you can pay in EMIs with different tenors, depending on how much you can afford to pay on an intermittent basis. Doing this with a credit card (or even debit cards) will result in unnecessary expenses.
Credit Cards are Convenient, but Costly
You may think that using your credit card to pay monthly EMIs affords you the best option to buy the products you want. While it is an option utilized by many people, it might not be the best choice, if you consider the costs you incur. You can avoid all these by using the Bajaj Finserv Insta EMI Card instead. For instance, when you wish to use your credit card at a retail outlet, and opt for payment in EMIs, you will have to pay a processing fee that may vary from brand to brand, or retailer to retailer.
Besides this, monthly EMIs come at a cost. You will have to pay each EMI with interest, and this is according to the tenor you choose. Furthermore, tenors may be fixed; say, you may only be permitted a three or six-month tenor, not longer. There is a lot of “it all depends” when you pay by using credit cards. You end up paying more for your product than it actually costs at the end of the day.
Bajaj Finserv Offers Peace of Mind
Well-respected financial services companies like Bajaj Finserv Limited let consumers have their cake and eat it too. By making an easy payment option available in the form of a digital payment tool, Bajaj Finserv has the consumer in mind. Intending that people should be able to buy what they want at any given time, the Bajaj EMI Card gives the consumer many perks. Consumers can buy what they like without the headache of thinking about costly EMIs, as well as any other extra costs they may have to bear. Buyers will enjoy their shopping experiences using this card, as payments will be smooth and hassle-free.
Benefits of Using Bajaj Finserv Insta EMI Card
The Insta EMI Card offered by Bajaj Finserv Limited is a card that consumers may use to buy anything from appliances to devices, and furniture and other consumables. You can make cashless payments, and pay in convenient no-cost EMIs. You have the freedom to choose flexible tenors to make your payments, and these may be from 3 to 24 months. You also get a pre-approved loan of up to Rs. 2 lakh.
The application process for this card is seamless, as you can do it online without any obstacles in three quick steps. You may have to pay a fee to initially get the card, but this is nominal. The card is activated almost instantly, and then you are free to shop for over a million products at 1 lakh plus offline and online partner stores, in 1,900+ cities across the country.