TVS Credit EMI Card Apply Online/Tvs Credit Insta Card Activation/How to take Tvs Credit Loan 2022

Two-wheeler loan, used car loan, tractor loan, auto loan, business loan, consumer durable loan, and other financial services from TVS Credit a leading NBFC.

As part of the $8.5 billion TVS Group, we have inherited a legacy of trust, value and service. With these values powering everything we do, we have a range of thoughtfully designed financial products that help millions aspire and achieve more. 

Our presence spans the largest cities of urban India to the smallest villages of her rural heartland, bringing our products within easy reach of Indians belonging to various walks of life. We see ourselves as partners in our customers’ aspirations, augmenting their ambitions with our expertise.

We are a proud part of the over 100-year TVS Group, one of India’s most respected entities, a leader in fields as diverse as Two Wheelers and Automotive Components, Logistics and Textiles, Housing, IT and Finance.

As one of the newest members of the Group, we’ve been fortunate to imbibe the best of the old and the new. We are guided by the enduring values of our founders, and at the same time take inspiration from the Group’s belief in constant innovation.

Great things come in small packages! – Introducing the InstaCard. which is Instant loans for instant needs.

About TVS InstaCard

You can now use your InstaCard to avail pre-approved loans* up to Rs. 1 lakh across online and offline channels covering categories such as lifestyle, home improvement, education, health, travel, furniture,appliances etc.

Simply step into a store like Big Bazaar, Shoppers Stop, Max Fashion or visit an e-commerce partner site such as Amazon or Flipkart and start purchasing with InstaCard.



Pre-approved loan* up to ₹ 1 lakh

Use this card at stores that cover categories such as lifestyle, home improvement, education, health, travel, furniture, appliances etc.

Repay easily

Plan your EMIs according to your convenience. Divide your purchase into easy EMIs of 3, 6, 12, 18 or 24 months.

No documentation

Set a purchase limit via the Saathi app/ TVS Credit Website/Toll-Free Number(1800 102 2468) and swipe your card to get instant EMI conversion.

Zero cost EMI*

Visit any merchant outlet that is impaneled with TVS Credit and share your mobile number to avail zero cost EMI*.

Easy online shopping

Enjoy access to online shopping with InstaCard by entering the OTP shared on your registered mobile number at the time of the transaction.

Zero processing fee

Enjoy zero processing fee on every transaction.

InstaCard can be used across categories such as


Flipkart, Amazon, Makemytrip, etc.


Sofa, Bed, Tables, Wardrobes, Mattress, etc.

Lifestyle Products

Apparels, Modular kitchen, Interior décor, Accessories, etc.

Home Appliances

Air cooler, Water purifier, Grinder, and much more.


School fees, Special courses, Online programmes, etc.


Doctor’s fees, Hospitalisation, Medical equipment, Pharmacy bills, etc.

Travel & Tourism

Tour packages, Flight tickets, Hotel bookings, etc.


Accessories, Repairs and Services.

Construction Items

Building materials, Hardware, Paints, Electricals, etc.

InstaCard Eligibility

Customers should be between 21 to 58 years of age.

The InstaCard programme is open only to select customers*.

All programme enroled customers should repay their parent loan without any default.

InstaCard issuance will be at the sole discretion of TVS Credit Services Limited. Other terms and conditions apply.

Card Activation

You can activate your InstaCard by visiting the InstaCard page on TVS Credit Website/ TVS Credit Saathi app/ by calling the Toll Free Number(1800 102 2468) and mentioning the last4 digits of your card and your Date of Birth.

You will receive an OTP on your registered mobile number for validation. Input the OTP on the TVS Credit website/ TVS Credit Saathi app/ on the call to our Toll Free Number.

Upon validation of the OTP, your InstaCard will be activated.

Set Purchase Limit

You need to set the purchase limit before any card transaction.

Steps are as follows:

Select Set purchase limit option on Saathi app/ Website / Calling Toll Free Number(1800 102 2468).

Enter the loan amount desired -> Select the EMI tenure -> Confirm the Date of Birth -> Confirm your address ->Submit.

You will receive a confirmation via SMS to your registered mobile number.

Post successful setting the purchase limit, you can start shopping for your favourite product/service using the InstaCard.

InstaCard Fees & Charges

Enrollment fee for InstaCard (Non-refundable fee): Rs.444/- (Inclusive of GST charges). Enrollment fee will be a one time fee for card issuance.

EMI Interest charges: Up to 2% per month(24% per annum) from the date of transaction

How do I activate my InstaCard?

You can activate your card by any of the following three modes of activation: TVS Credit Saathi app/TVS Credit Website/Toll free Number. Card activation is subjected to proper repayment of the existing loan*

Where can I use my InstaCard?

You can use your Instacard for a minimum transaction of Rs.5000 at any of the select merchant establishments across India.

Apply from the official website of TVSInstaCard- “Click Here

Terms & Conditions for InstaCard

In connection with the loan availed by the borrower (“Borrower”) under the loan agreement (“Master Loan Agreement”), the Borrower has opted to enroll in the InstaCard program (defined below) offered by TVS Credit Services Limited (“TVS Credit/Company”), wherein the Borrower, subject to fulfilling the eligibility criteria, will be eligible for a credit limit sanction on InstaCard from a Bank/Prepaid Instrument Issuer (“PPI Issuer”) to avail the aforesaid credit facility.

The terms and conditions (“Terms and Conditions”) mentioned herein are applicable to the enrolment to the InstaCard programme by the Borrower. 

These Terms and Conditions read with the terms of the Master Loan Agreement constitute the entire agreement between TVS Credit and the Borrower, as amended from time to time.

By completing the sign-up process for enrolment under the InstaCard programme, the Borrower is deemed to have expressly read, understood, accepted and be bound by the Terms and Conditions set out herein. 

TVS Credit reserves the right to change, at any time,these terms and conditions, features and benefits offered under the InstaCard programme including, without limitation to, changes which affect existing balances, methods of calculation. The eligible Borrower agrees that he shall be liable for all charges and other obligations under the revised terms.