Tips to Buy Electronic Gadgets in India on EMI Without Having a Credit Card?

by Shailendra Kumar
Buy Electronic Gadgets in India

Tips to Buy Electronic Gadgets in India on EMI

 

Today I’m going to share Tips to Buy Electronic Gadgets in India on EMI Without Having a Credit Card? A credit card is one of the most efficient financing options for purchasing electronic gadgets from online or offline stores. It helps to avert the need to pay upfront. Further, the easy monthly repayment facility on credit cards also allows individuals to make big-ticket purchases without severe budgetary concerns.

Electronics Gadgets

However, if you do not have a credit card and are looking for an alternative credit facility, the best option is to switch to the EMI card facility offered by several financial institutions like the Bajaj Finserv EMI Network Card.  These cards offer immediate financing benefits like no-cost EMIs and zero down payment facilities, thereby making shopping extremely convenient. With this card, you can buy your favorite electronics from smartphones, laptops to other gadgets in the markets.

Features and benefits of EMI card

Here are some unique benefits of the EMI card facility that make it an interesting alternative to a credit card.

Take home the product without a down payment

With an EMI card facility, customers can take home the product without making any down payment. The entire payment is made by the financier on behalf of a customer.  The customer in-turn repays the entire cost of a product with easy monthly installments for a tenure of his/her preference.

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Special offers and benefits on EMI stores

Most financial institutions have several partner stores across the country. For example, Bajaj Finserv has 1lakh+ partner stores across 1900 cities in India like Croma, Reliance Digital, and many others. Customers can avail of several additional offers and facilities like same-day delivery and more from these stores with the Bajaj Finserv EMI Network Card.

No cost EMIs

The EMI card financing option essentially offers the facility of no-cost EMIs. Borrowers do not have to pay any additional interest in the monthly installments. Hence all they pay is the total amount of the product in small amounts on a monthly basis without any additional charges.

Flexible repayment options

EMI facility offers flexible repayment options. Hence depending upon your monthly budgetary plan and disposable income, you can select a flexible tenure option. This prevents the chances of default and reduces the financial burden.

The pre-approved credit limit for an expensive purchase

Bajaj Finserv offers a pre-approved limit of up to Rs.4 lakh, which becomes essential if you are looking forward to buying some expensive gadgets.

Easy accessibility and approval

The application and document verification process for EMI cards is highly convenient. For instance, during the Bajaj EMI card application, all you need to submit is the KYC details. Further, the online application process is even simpler and does not require any documentation.

Furthermore, with the EMI card, individuals can also make easy online purchases from reputed e-commerce websites. These websites also offer additional deals and offer during the various festive seasons like New Year, Holi, Diwali, Christmas, and more. 

Getting a credit card often requires a critical documentation process and stringent eligibility criteria which might prove inconvenient for many. On the contrary, availing of an EMI financing facility like Bajaj Finserv EMI Network Card is considerably easy. Also, these cards provide a host of benefits, which often makes them a better financing option than credit cards. Hence, if you have been looking for a suitable alternative to credit cards, the EMI card facility is your most suitable option.

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