1. Bajaj Finserv Insta EMI Card

• Features: No-cost EMI on 1.2+ lakh products, flexible tenor, online & offline shopping

• Limit: Up to ₹2 lakh

• Apply Link: Apply on Bajaj Finserv

2. HDFC FlexiPay EMI Card / Pay Later

• Features: Instant credit for shopping, convert to EMIs via HDFC App

• Limit: Based on eligibility

• Apply Link: Apply via HDFC PayLater

3. Kotak Insta EMI Card (Zen EMI Card)

• Features: Easy EMIs at partner stores, digital card

• Limit: ₹10,000 – ₹1 lakh (based on profile)

• Apply Link: Apply on Kotak

4. ZestMoney EMI Card (App-Based)

• Features: No-cost EMI on Amazon, Flipkart, Myntra, and more without credit card

• Limit: ₹10,000 – ₹2 lakh (credit line)

• Apply Link: Apply on ZestMoney

5. LazyPay EMI Card (Pay Later + EMI)

• Features: Credit line for online purchases + UPI EMI facility

• Limit: Up to ₹1 lakh

• Apply Link: Apply via LazyPay

6. UNI Card (1/3 EMI Card)

• Features: Split bills into 3 months at 0% interest

• Limit: Up to ₹6 lakh (based on credit profile)

• Apply Link: Apply on UNI

7. OneCard EMI (App-Based Credit Card with EMI)

• Features: Convert purchases into EMIs with one tap

• Limit: Based on your credit score

• Apply Link: Apply on OneCard

Notes:

• PAN, Aadhaar & bank account are required

• Some apps do a soft credit bureau check

• UPI-based EMI options may also be available (check via app)