How to Get and Use a PFIN EMI Card for Festive Shopping in 2025

Getting and using an EMI Card are seamless and simple processes thanks to the 100% digital process. With the festival season fast approaching, obtaining a PFIN EMI card will enable you to purchase electronics, appliances, and gifts while keeping your budget under control. This blog gives an overview of how to obtain a PFIN EMI card and utilise it for festive purchases.

Also Read: How to Shop on Dhanteras Festival with PFIN EMI Card

How to Get Your PFIN EMI Card

Getting a PFIN EMI card is simple. Just follow these steps:

Step 1: Visit the Website: Start by visiting Poonawalla Fincorp’s official website and clicking on ‘Consumer Durable Loan’ from the ‘Loan’ dropdown menu. From here, click ‘EMI Card Overview’, which will take you to the EMI Card page.

Step 2: Start Application: Click on ‘Apply Now’ and enter your mobile number that’s linked to your Aadhaar card, and enter the OTP you receive. Tick the boxes to confirm your consent, then click ‘Apply Now’ to continue.

Step 3: Fill in Your Basic Details: Provide the personal details requested, including your PAN, full name (as on your PAN card), date of birth, and employment and address details. This information is crucial for verifying your identity. Then, click ‘Continue’.

Step 4: Eligibility Verification: The system will fetch your PAN and bureau details to determine your eligibility and verify your identity. Confirm your PAN details by clicking ‘Yes, it’s me’.

Step 5: Pre-approved Card Limit: After the eligibility check, the page will display your pre-approved card limit. Click ‘Activate Now’ and proceed to fill in your details. Click ‘Continue’ once done, and grant location access permission if the notification appears; this’ll be required for further verification.

Step 6: Upload Documents via DigiLocker: Click ‘Proceed to KYC’ and check your phone. Click on the KYC notification and choose your preferred login method. Enter the security PIN to proceed. All you need to do is provide your consent for Poonawalla Fincorp to access these documents and click ‘Continue’.

Step 7: Verification: Take a real-time selfie to confirm your identity, verify your current address, and agree to the Terms and Conditions. Your consent will be confirmed via OTP.

Step 8: Mandate Setup: Provide your mandate details and enable autopay for EMI payments. Then, click the Mandate link to complete registration via Digio and NPCI.

Step 9: Card Activation: Once you have completed the mandate registration, your PFIN EMI card will be successfully activated for use.

Also Read: How to Use an EMI Card for Online and Offline Shopping

How to Use Your PFIN EMI Card for Festive Shopping

Here’s how you can make the most of your PFIN Insta EMI Card while shopping for the 2025 festive season:

• Browse Offers and Select Your Products

Before proceeding with your purchase, check for any special festive offers available to PFIN EMI cardholders. Many retailers offer exclusive discounts, cashback, or EMI schemes for cardholders. This can help you maximise your savings while shopping for festive gifts, home appliances, jewellery, and more.

• Choose EMI Options at Checkout

Choose easy EMI options at checkout with a pre-approved limit, no reapplication needed. Select a tenure that suits your budget; longer tenures mean lower monthly instalments, helping you manage festive spending better.

• Confirm Your Payment and Track Purchases

Once you’ve selected your EMI option, confirm the payment. You may need to authenticate the transaction through a one-time password (OTP). This ensures the transaction is legitimate and authorised.

After your payment is processed, track your purchases, check your outstanding dues, and keep track of payments due. For Poonawalla Fincorp, click on ‘View My Card Details’ on the EMI Card page and enter a few details to track your available limit and offers.

Also Read: EMI Card vs Credit Card: Which One Should You Choose

To Conclude

The PFIN EMI card is an excellent way to make your festive shopping more affordable. By taking advantage of its EMI features, you can enjoy shopping without worrying about immediate payments. Get your PFIN EMI card today to enjoy a smooth and stress-free shopping experience this festive season!

FAQs

How do I check my eligibility for the PFIN EMI card?

You can check your eligibility by completing the online application form. The Poonawalla Fincorp will instantly verify your credentials and notify you if you are indeed eligible.

How do I track my payments on the PFIN EMI card?

You can track all your purchases, check your outstanding dues, and manage your payments easily through the online dashboard provided by Poonawalla Fincorp.

What is the PFIN EMI card, and how does it work?

The PFIN EMI card is a payment card that functions like a pre-approved loan, allowing you to convert your purchases into easy, manageable EMI payments.

How do I access my Insta EMI Card login for the first time?

After approval, you’ll receive login credentials via SMS and email. Visit your provider’s website or app, enter your registered mobile number, verify with OTP, and set up your secure login password and PIN.