Have you ever been in a situation where you think you cannot afford to buy anything you want? We all have at some time or another, but now, it’s easy to afford almost any product your heart desires. What’s more, you don’t have to use a credit card and pay hefty interest at the end of the billing cycle. From buying a mobile on EMI without credit card to purchasing your favourite laptop, you can buy a range of products without the stress of wondering if you can afford them. How? Let’s take a look.
Mobile on EMI Without Credit Card?
If you are wondering how to buy a smartphone on EMI without your credit card, wonder no more. You can use an EMI card like the Bajaj Finserv EMI Network Card to give you certain benefits when you buy items on EMI from Bajaj Finserv Partner Stores. If you think that you can easily buy products in the same way with a credit card, you are right. However, the Bajaj Finserv EMI Network Card gives you more benefits than a credit card, even if you choose an EMI option.
The Bajaj Finserv EMI Network Card
The Bajaj Finserv, EMI Network Card, is a digital payment instrument that gives you key features and benefits over a credit card:
- NO Cost EMI – The Bajaj Finserv, EMI Network Card permits you to buy products primarily with the facility of EMI payments, without the use of cash upfront. This way, you don’t have to eat into your hard-earned savings or save for a long time to buy what you want. You can buy an array of products from electronics on EMI to furniture on EMI. The advantage you get with the Bajaj Finserv EMI Network Card compared to a credit card is that you can pay your EMIs with no cost attached. NO Cost EMI essentially means you don’t have to make EMI payments with interest charged (hence NO Cost EMI), whereas with credit card EMIs, interest is charged, which may be high.
- Flexible Tenures – You can opt for the latest handset with Realme, Vivo or OnePlus EMI option at NO Cost in flexible tenures, from 3 months to 24 months, letting you pay back conveniently.
- No Foreclosure Charges – After you pay your first EMI against your loan, you can foreclose on your loan without any fees or charges being levied on you. In case you do opt-out of an EMI payment scheme with a credit card, foreclosure costs may have to be borne by you.
- Zero Down Payment Facility – Besides NO Cost EMI, you may avail zero down payment facility when you choose to make a purchase with the Bajaj Finserv EMI Network Card. With some credit card EMI purchases, this may not be the case, and you may have to make an initial down payment on the product before your EMIs begin.
Easy to Get, Convenient to Use
You can easily apply for the Bajaj EMI card with a convenient and quick process that doesn’t take your credit history into account or involve too much documentation like most credit card application procedures do.