The Bajaj Finserv EMI Card is a handy financial instrument that we have which allows you to pay for products on No Cost EMI without the use of a credit card. Out of electronics and home appliances to travel and lifestyle products, the EMI card is a solution for high value purchases. That said as your shopping needs grow you may notice that your present card limit is too low. The good news is that Bajaj does allow for eligible customers to increase their EMI Card limit. All you really have to do is to know the right process, eligibility criteria, and what documents are required.
In this guide we cover how to Increase Bajaj Finserv EMI Network Card Limit, what which factors play a role in your eligibility, and also we go over the best practices to get your application approved.
7 Steps to Increase Your Bajaj Finserv EMI Network Card’s Limit
1. Understand Your Current Bajaj EMI Limit
Before applying for a limit enhancement, you must be aware of your existing limit. You can check it through:
- Bajaj Finserv App
- Bajaj Finserv Customer Portal (Experia)
- SMS/Email notifications
- Physical documents received at the time of card activation
This gives you a clear idea of how much additional limit you want to request.
2. Eligibility Criteria for Limit Enhancement
Bajaj does not increase EMI card limits randomly. They evaluate your eligibility based on several factors:
a) Your Repayment History
If you have made EMI payments on time and have no outstanding dues, your chances of getting a higher limit increase significantly.
b) Credit Score
A credit score of 700+ is generally preferred. A higher score indicates reliable financial behavior.
c) Monthly Income
Your card limit is directly linked to your income capacity. If your income has increased recently, you can submit proof and request a higher limit.
d) Existing Relationship with Bajaj
Customers who already use multiple Bajaj services—like consumer durable loans, personal loans, etc.—often receive higher credit limits.
3. Step-by-Step Process to Increase Bajaj EMI Card Limit
You can apply for an EMI card limit increase using two simple channels: the Bajaj Finserv App or the Experia Portal.
Method 1: Through Bajaj Finserv App
- Download and log in using your registered mobile number.
- Go to “My Account” or “EMI Network Card” section.
- Click on “Increase Card Limit” (if eligible).
- Submit the required documents such as income proof.
- Your request will be reviewed and processed within a few days.
Method 2: Through Bajaj Experia Portal
- Visit the Bajaj Finserv Experia Customer Portal.
- Log in using your mobile number or customer ID.
- Navigate to Menu → EMI Network Card.
- Select “Limit Enhancement Request”.
- Upload supporting documents and submit the request.
If eligible, the limit enhancement will reflect in your account within a few working days.
4. Documents Required to Increase EMI Card Limit
You may need to provide any or all of the following documents:
- Latest salary slips
- Latest bank statements
- Income tax returns (ITR) for self-employed individuals
- Updated KYC documents
- PAN card and Aadhaar card
Submitting accurate and up-to-date documents increases your chances of approval.
5. Tips to Increase Chances of Getting a Higher Limit
Here are some effective tips to ensure your request is approved quickly:
a) Maintain a Good Repayment History
Even a single missed EMI can reduce your eligibility. Always pay on time.
b) Improve Your Credit Score
Make sure you are paying credit card bills and loan EMIs on time. Reduce outstanding debts and avoid applying for too many loans at once.
c) Use Your Existing Limit Frequently
If Bajaj sees that you are using your EMI card regularly and responsibly, they are more likely to enhance your limit.
d) Update Your Income Details
If your salary or business income has increased recently, inform Bajaj Finserv. Higher income usually means higher credit limit approval.
e) Avoid Multiple Limit Requests
Repeated requests within short intervals may lead to rejection. Apply only when you actually need an increase.
6. What to Do If Your Limit Increase Request is Rejected
If your application is rejected, don’t worry. Here’s what you can do:
- Improve your credit score by clearing outstanding debts.
- Continue paying all EMIs on time for the next few months.
- Increase your income or update your income details in the system.
- Reapply after 3–6 months.
Bajaj Finserv often sends automated limit increase offers to customers who maintain a good record, so keep an eye on notifications.
7. Automatic Limit Enhancement Offers
Sometimes, Bajaj itself evaluates your usage and offers an automatic limit increase. This generally happens when:
- You frequently use your EMI card.
- Your repayment history is perfect.
- Your credit score has improved over time.
You will get an SMS or app notification if you are selected.
Final Thoughts
Getting a raise in your Bajaj EMI Card limit is easy if you meet the criteria and we put out the right steps. We see that a strong credit profile, responsible use of the EMI card and to keep your income info up to date are the best ways to get that limit raised.
With an increased EMI card limit you can buy more products, enjoy larger purchases on No Cost EMI, and which in turn allows you to manage your finances better. If you are in need of a higher limit apply via the Bajaj Finserv app or portal and thus avail yourself of the additional financial flexibility.
Author Profile
- I am the owner of the blog readree.com. My love for technology began at a young age, and I have been exploring every nook and cranny of it for the past eight years. In that time, I have learned an immense amount about the internet world, technology, Smartphones, Computers, Funny Tricks, and how to use the internet to solve common problems faced by people in their day-to-day lives. Through this blog, I aim to share all that I have learned with my readers so that they can benefit from it too. Connect with me : Sabinbaniya2002@gmail.com
Latest entries
How ToDecember 9, 2025How to Increase Bajaj Finserv EMI Network Card Limit
ArticleOctober 23, 2025How to Use Rotating Residential Proxies
ArticleOctober 19, 2025Why You Should Use Geo-Targeted Proxies for Web Scraping
SoftwareOctober 15, 2025The Importance of Cyber Security in a Digitally Connected World