How to Unblock Bajaj EMI Card: Step-by-Step Guide for 2025

Raji Reddy

Introduction: How to Unblock Bajaj EMI Card Block Issue

In today’s digital economy, the Bajaj Finserv EMI Card has become a go-to financial tool for millions of Indian consumers who want to buy now and pay later. Whether it’s purchasing electronics, booking travel, or paying for education, the Bajaj EMI Card offers flexibility and convenience. However, encountering a blocked EMI card can be both frustrating and limiting. So, if you’re asking “how to unblock Bajaj EMI Card?”, you’re not alone. In this article, we provide an in-depth, expert-backed guide to help you understand why your card might be blocked, what steps to take to unblock it, and how to prevent this from happening again.

What is a Bajaj EMI Card?

The Bajaj Finserv EMI Network Card is a pre-approved loan card that lets users convert purchases into easy No-Cost EMIs. Accepted at over 1.2 lakh partner stores and across major online retailers, the card provides a pre-approved loan limit of up to ₹4 lakh, depending on eligibility.

There are two types:

Bajaj EMI Network Card (Physical)
Bajaj EMI Network Card (Digital)

Both cards can get blocked due to several reasons, which we’ll explore next.

Why is Your Bajaj EMI Card Blocked & How to Unblock Bajaj EMI Card?

Knowing the reason for the block is critical before you try to unblock it. Here are the most common causes:

1. Missed EMI Payments

If you’ve failed to pay one or more EMIs on time, your Bajaj EMI Card may be temporarily suspended as a result.

2. Low CIBIL Score

A drop in your credit score below Bajaj Finserv’s minimum requirement (usually 720) may result in blocking.

3. Expired KYC Documents

Failure to update your KYC details as required may lead to suspension of your Bajaj EMI Card due to regulatory compliance issues.

4. Dormant Account

If the card remains unused for an extended period (typically over 6 months), it may be automatically deactivated.

5. Policy Violations

Engaging in activities that violate Bajaj Finserv’s terms and conditions, including any form of fraud, can result in a permanent block of your EMI card.

How to Unblock Bajaj EMI Card Check If Your Card is Blocked

Before jumping to conclusions, verify your card status using the Bajaj Finserv customer portal or mobile app:

Step 1:

Visit https://www.bajajfinserv.in

Step 2:

Step 3:

Go to My Account > EMI Network Card and check its status. If it shows “Blocked” or “Inactive,” follow the steps below.

How to Unblock Bajaj EMI Card: Complete Step-by-Step Guide

1. Settle Overdue EMIs (If Any)

Check your dues under ‘My Loans’ section and pay any pending EMI or penalties. Most EMI card blocks due to missed payments are reversed within 48 hours after payment.

2. Update KYC Documents

Visit your nearest Bajaj Finserv partner store or complete your e-KYC via Aadhaar-linked mobile number on the official website/app.

3. Improve Your Credit Score

If your card was blocked due to a poor credit score:

Pay all EMIs on time
Clear credit card dues
Maintain credit utilization below 30%
Avoid multiple loan applications at once

4. Raise a Service Request

You can directly request card reactivation:

Online Method:

Login to Bajaj Finserv Portal
Go to “Help & Support”
Select “EMI Card > Blocked Card > Request for Unblocking”
Submit the request with remarks

Customer Care Call:

Call +91 8698010101 and speak to a representative. Keep your customer ID ready.

Email Support:

Send an email to wecare@bajajfinserv.in with subject: “Request to Unblock EMI Card” and mention your full name, mobile number, and reason.

How to Unblock Bajaj EMI Card By Contacting Customer Support

If none of the above works or you need urgent help, contact Bajaj Finserv support:

Customer Care Number: 8698010101 (8 AM to 8 PM)
Email ID: wecare@bajajfinserv.in
Chat Support: Available on the Bajaj Finserv App
Nearest Branch: Visit the nearest Bajaj Finserv partner outlet with your ID proof

Always take a screenshot or note of your complaint/ticket number.

Tips to Avoid Future Blocking of Your Bajaj EMI Card

1. Pay EMIs on Time

Enable auto-debit instructions to ensure your payments are made on time and you never miss a due date.

2. Maintain a Healthy CIBIL Score

Maintaining a CIBIL score above 720 helps keep your card active and qualifies you for higher credit limits.

3. Use the Card Regularly

Making small transactions periodically, even every few months, helps prevent your account from becoming dormant.

4. Update Contact & KYC Details

Keep your Aadhaar, PAN, and address details updated in your account.

What to Do If the Card Can’t Be Unblocked?

Sometimes, due to repeated violations or fraud detection, the card might be permanently blocked. In this case:

Apply for a new EMI Network Card from your Bajaj customer account
Clear all existing dues and ensure KYC is complete
Wait for 3-6 months to rebuild eligibility
Reapply after improving your credit profile

Conclusion:

Getting your Bajaj EMI Card blocked may feel like a roadblock, but it’s often a fixable issue. Whether it’s a missed EMI, inactive usage, or KYC compliance, understanding the root cause is the first step. By following the right process—making payments, updating documents, contacting support—you can unblock your Bajaj EMI Card and continue enjoying the convenience of No-Cost EMIs on your favorite purchases. Remember, maintaining financial discipline and regular usage of your EMI card will ensure you remain credit-eligible and stress-free in the future.