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You can buy Xiaomi and Redmi mobiles without a credit card using the Bajaj Finance Insta EMI Card. Current models range from Rs. 27,999 to Rs. 89,999.
Here is what you should know before you buy:
Check your Insta EMI Card eligibility using your mobile number and OTP, and start shopping for your preferred Xiaomi mobile the same day.
Xiaomi mobiles are a popular choice for those who want feature-rich smartphones at competitive prices. However, buying a new phone outright can strain your monthly budget.
With the Bajaj Finance Insta EMI Card, you can buy Xiaomi mobiles on EMI without a credit card. This pre-qualified card loan lets you convert the cost of your smartphone into Easy EMIs, so you can repay comfortably over time while shopping online or offline.
Xiaomi and Redmi phones span a wide range of budgets and use cases, from entry-level devices to flagship models. Here is a look at the key specifications of some current models.
| Model | Display | Camera | Processor | Battery |
| Xiaomi 17 | 6.3-inch AMOLED | 50MP Triple Camera | Snapdragon 8 Elite Gen 5 | 7,000 mAh |
| Redmi Note 17 5G | 6.99-inch AMOLED | 50MP camera | Snapdragon 4 Gen 4 | 8,000 mAh |
| Redmi Note 17 Pro 5G | 6.83-inch AMOLED | 50MP camera | Snapdragon 6s Gen 4 | 9,000 mAh |
| Redmi Turbo 5 | 6.59-inch AMOLED | 50MP camera | MediaTek chipset | 7,540 mAh |
Xiaomi offers models across a wide price range, so your choice depends on your budget and the features you need most. Here is a list of current models and their prices in India.
| Model | Price |
| Redmi Note 17 5G | Rs. 27,999 |
| Redmi Turbo 5 | Rs. 37,998 |
| Redmi Note 17 Pro Max 5G | Rs. 45,999 |
| Xiaomi 17 | Rs. 89,999 |
Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit the official brand website or a partner store.
Check your Insta EMI Card eligibility now by entering your mobile number and verifying it with an OTP.
If you have shortlisted your preferred Xiaomi model, you do not need to pay the full amount upfront. The Bajaj Finance Insta EMI Card lets you convert your purchase into Easy EMIs, so the cost fits comfortably into your monthly budget.
The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It is issued to existing Bajaj Finance customers with a good repayment record, as well as to new applicants who clear KYC and eligibility checks. You can use it to convert your Xiaomi mobile purchase into Easy EMIs, at a one-time joining fee of Rs. 530 and zero annual fee from the second year onwards.
Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred Xiaomi mobile easily and affordably.
Paying for a Xiaomi phone in full can be a significant one-time expense for many buyers. Here is why paying on EMIs makes sense:
Applying for the Insta EMI Card is a fully digital process that takes only a few minutes. Follow these steps to get started:
Note: The online process may differ depending on whether you are a new customer or already have a relationship with Bajaj Finance.
Also read: How to apply for the Insta EMI Card
Once your card is active, you can use it to buy a Xiaomi mobile at a partner store or online. The steps differ slightly depending on where you shop.
At a partner store
Using the Bajaj Finance Insta EMI Card at any of 1.5 lakh partner stores is quick and straightforward. The checkout process typically takes under 5 minutes. Follow these steps:
For online purchases
You can also use the Bajaj Finance Insta EMI Card on partner e-commerce platforms including Amazon and Flipkart. Here is how:
You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your Xiaomi mobile purchase better.
The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.
| Feature | Details |
| Easy EMIs | Split the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly. |
| High pre-qualified limit | Get up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress. |
| Wide acceptance network | Accepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms. |
| Flexible repayment tenure | Choose a repayment period from 3 to 60 months based on your financial comfort. |
| Zero down payment offers | Avail deals with no upfront payment requirement on select models. |
| Credit score benefit | Timely EMI payments may help strengthen your credit profile and financial health. |
Also read: Features and benefits of the Bajaj Finance Insta EMI Card
Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.
Also read: Eligibility criteria for the Insta EMI Card
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Yes, you can buy a Xiaomi mobile on EMI without a credit card using the Bajaj Finance Insta EMI Card, which is a pre-qualified card loan and not a credit card. Check your Insta EMI Card eligibility using your mobile number and OTP, and start shopping for your preferred Xiaomi mobile the same day.
You can buy current Xiaomi and Redmi models, including the Redmi Note 17 5G, Redmi Turbo 5, Redmi Note 17 Pro Max 5G, and Xiaomi 17, using the Bajaj Finance Insta EMI Card. Prices range from Rs. 27,999 to Rs. 89,999, depending on the model and variant you choose.
Zero down payment may be available on select Xiaomi models, particularly during festive season offers. You can check current offers by visiting a partner store or checking your Insta EMI Card eligibility online in advance.
You need your PAN card, Aadhaar card for KYC verification, and a registered mobile number. The entire process is digital, so you do not need to submit any physical documents. Applicants between the ages of 21 years and 65 years years with a regular income and a good credit score are eligible to apply.
Yes, the Bajaj Finance Insta EMI Card works both online and offline. You can use it at over 1.5 lakh partner stores across India, as well as on online partner platforms such as Amazon and Flipkart, giving you flexibility in how you shop.
Yes, the Bajaj Finance Insta EMI Card offers a repayment tenure across 3 to 60 months, so you can select an option that fits your monthly budget. You can choose this tenure at checkout, whether you are shopping at a partner store or online.
You can track your EMI payments using the Bajaj Finance app, which lets you monitor your repayment schedule and manage your purchases efficiently. This gives you a clear view of your upcoming instalments and helps you stay on top of your budget.
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