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The iPhone 13 and iPhone 14 share the same A15 Bionic chip, but the iPhone 14 has a 5-core GPU against the iPhone 13's 4-core GPU, plus the Photonic Engine for better low-light photos. Both can be bought using the Bajaj Finance Insta EMI Card.
Here is a quick look at how they differ:
Use your Bajaj Finance Insta EMI Card to bring home either iPhone on Easy EMIs. Check your Insta EMI Card eligibility beforehand to plan your purchase.
The iPhone 13 came out in September 2021. It has a strong aluminium frame and Ceramic Shield front glass that makes it tough. The phone has a 6.1-inch Super Retina XDR OLED screen that shows bright colours and deep blacks.
The A15 Bionic chip with a 4-core GPU powers this phone, making it fast for games and apps. The iPhone 13 has two 12MP cameras (wide and ultra-wide) that take clear photos and can record 4K video. The battery lasts about 19 hours of talk time and works with MagSafe charging.
Released in September 2022, the iPhone 14 builds on what made the iPhone 13 great. It keeps the same basic look but adds new colour options. The screen is still a 6.1-inch Super Retina XDR OLED, but the colours look even better.
The iPhone 14 uses the same A15 Bionic chip but has a better 5-core GPU for improved graphics. Its camera system still has two 12MP lenses but adds the Photonic Engine for better photos in low light. The battery lasts about 20 hours of talk time, slightly longer than the iPhone 13. It comes with iOS 16, which has more features than iOS 15.
Both phones share Apple's signature design language, but differ in a few areas that matter for day-to-day use. The table below breaks down the key differences.
| Feature | iPhone 13 | iPhone 14 |
| Design and build quality | Aluminium frame, Ceramic Shield front | Same materials with slight refinements |
| Display | 6.1-inch Super Retina XDR OLED | Same size with better colour accuracy |
| Performance and processor | A15 Bionic with 4-core GPU | A15 Bionic with 5-core GPU |
| Camera upgrades | Dual 12MP cameras | Dual 12MP with Photonic Engine |
| Battery life and charging | Up to 19 hours talk time | Up to 20 hours talk time |
| Software and iOS versions | Shipped with iOS 15 | Shipped with iOS 16 |
Design and build quality
Both phones share a premium build, but a few details set them apart. Here is how they compare:
Display
The displays on both phones look nearly identical on paper, with small differences in colour output. Here is how they compare:
Performance
Both phones run on the same chip, but a GPU upgrade sets the iPhone 14 apart in graphics-heavy tasks. Here is how they compare:
Cameras
The core camera hardware is the same, but the iPhone 14 processes photos differently in low light. Here is how they compare:
Battery life
Battery life sees a modest improvement on the newer model, though charging remains the same. Here is how they compare:
Software
Both phones launched with different iOS versions, though software support largely overlaps today. Here is how they compare:
Since both models have been discontinued from Apple's official lineup, prices now vary by retailer and available stock. The table below gives an indicative price range based on current listings.
| Model | Storage | Indicative price |
| iPhone 13 | 128GB | Rs. 45,490 |
| iPhone 14 | 128GB | Rs. 37,699 |
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.
Weighing the strengths and trade-offs of each model can help you decide which one suits you better. The table below summarises the key pros and cons of both phones.
| Aspect | iPhone 13 | iPhone 14 |
| Pros | Lower price point, A15 Bionic handles apps and games smoothly, strong camera system, all-day battery life | Better low-light photography with Photonic Engine, enhanced 5-core GPU, slightly longer battery life, ships with iOS 16 |
| Cons | Lacks the camera improvements found in the iPhone 14, has a 4-core GPU, started with an older iOS version | Design very similar to iPhone 13, uses the same basic chip as iPhone 13 |
Your choice comes down to how much low-light photography and graphics performance matter to you. Here is a quick guide to help you decide:
Once you have decided which iPhone suits you, 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 you can spread the cost over a period that suits 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 iPhone 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 iPhone model easily and affordably.
A premium iPhone 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 either iPhone 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 iPhone 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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The main difference lies in the GPU, camera, and software. The iPhone 14 has a 5-core GPU and the Photonic Engine for better low-light photos, compared with the iPhone 13's 4-core GPU and no Photonic Engine. You can check your Insta EMI Card eligibility to buy either model on Easy EMIs.
The iPhone 13 is priced at around Rs. 45,490 for the 128GB variant, while the iPhone 14 is priced at around Rs. 37,699 for the 128GB variant. Since both models are discontinued, prices can vary by retailer and available stock.
Yes, the iPhone 13 remains a strong option if you want most of the iPhone 14's experience. The core performance, display, and camera quality are very similar, making the iPhone 13 a good value pick unless low-light photography or GPU performance matters to you.
No, the Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It offers a card loan amount of up to Rs. 3 lakh and is accepted at 1.5 lakh partner stores across 4,000 cities in India, letting you buy iPhones on Easy EMIs.
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 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.
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