Increase Your Bajaj Finserv EMI Network Card’s Limit

The maximum limit of up to ₹3 Lakhs on the Bajaj Finserv EMI Network Card allows you to convert purchases into affordable instalments. This limit depends on several factors but you can get an increase at a nominal charge. 

Boosting your limit will help you enhance your purchasing power and buy more products conveniently. You can do it online on the Bajaj Finserv website or app. 

Whether you need to check your card details or enhance its limit, simply access the website or app and complete the process conveniently. Follow these steps to increase the limit of the Bajaj Finserv EMI Network Card:

1. Visit the Bajaj Finserv customer portal

2. Click on the ‘Sign In’ button on the screen 

3. Enter your registered mobile number, and the OTP sent to it

4. Confirm your date of birth for security 

5. Go to the ‘My Relation’ section on the dashboard and select your card

6. Go to the ‘Quick Action’ tab and then select ‘Increase Limit’  

7. Check your new limit and apply 

Note that you will be charged a loan enhancement fee of ₹117 for this request. Additionally, the option to boost the limit is only available to those who have an offer. The company also reserves the right to accept or deny your request for an increase. 

The eligibility factors are key in how much credit limit you can get on your card. Here are some crucial factors you must know:

• Age: The card is available for all Indian citizens between the age of 21 years and 65 years

• Income: Having a higher income boosts your eligibility to get a high pre-approved loan limit

• Location: Tier 1 cities have a higher income than tier 2 and tier 3 cities

• Credit Score: A higher credit score is a mark of a responsible borrower

Apart from the aforementioned parameters, here are some additional points to remember:

Your credit score increases as you become reliable in managing your finances

• Older applicants have a better chance of getting a higher limit

• Know that there is an exception for income criteria  in case you have multiple existing loans

• Consider enhancing your limit after reducing your existing debt

• An optimal credit score shows that you are less likely to default on your EMI payments and can handle a higher limit

• Running periodic credit checks allows you to stay up to date about your creditworthiness and take steps to improve it