Croma Mobile Offers – Latest Deals on Top Smartphones

Croma lets you see, hold, and test a smartphone before you buy it, with expert help at every step. With the right Croma offers on mobiles, you can upgrade to a better camera, a faster processor, and a longer-lasting battery at a lower price, and walk out with your new phone the same day.

The discounts are only part of the value. Here is why many buyers shop for a phone at Croma:

• A wide choice of brands: Croma stocks smartphones from over 15 brands, including Xiaomi, Vivo, and Nothing, so you can compare options side by side.
• Try before you buy: At over 560 Croma stores in 200+ cities, you can check a phone's camera, screen, and feel in your hand before paying.
• A trusted name: Croma has been selling electronics in India since 2006, so you get genuine products with brand warranty.

→ Key takeaway: A wide choice, hands-on testing, and trusted service come together at Croma. Waiting to save the full amount can mean missing a limited-time deal, and the Bajaj Finance Insta EMI Card lets you buy on Easy EMIs while the offers last.

Croma runs its biggest mobile deals at a few key times each year. Knowing these dates helps you plan your upgrade and avoid paying full price:

• Republic Day Sale, mid to late January: The 2026 edition ran from 16 to 26 January, with discounts of up to 60%. It is a good time for a new-year phone upgrade.
• Saving Days, March: The 2026 edition ran from 6 to 15 March, with up to 60% off on mobiles and exchange benefits of up to Rs. 20,000.
• New iPhone launches, September: In 2026, Croma opened iPhone 18 Pro pre-bookings on 12 September, so you can get the latest model on launch day.
• Festive sale, late September to Diwali: In 2025, smartphones got flat 15% off during Croma's festive offers. With Diwali on 8 November 2026, this sale is expected to run into early November.

→ Pro tip: If you want last year's flagship at a lower price, visit Croma soon after a new model launches. Older models often get cheaper once the new one arrives.

A good deal is one that fits how you use your phone, not just the lowest price. Here is what to check before you buy a smartphone at Croma:

• Check what the offer price includes: Some headline prices, like the iPhone 17 Pro at Rs. 69,990, include cashback and exchange value. Ask the partner store executive for the final price you will actually pay.
• Get your old phone valued: Exchange value depends on your old phone's model and condition. Bring it along, since exchange benefits reached Rs. 20,000 during Saving Days in March 2026.
• Ask about student pricing: If you are a student, carry a valid student ID. Croma offers special student prices on select products.
• Choose enough storage: A 128GB phone suits basic use, but 256GB is better if you shoot a lot of photos and videos.

These checks help you pick the right phone at the right price, but the best deals do not wait. With the Bajaj Finance Insta EMI Card, you can take your new smartphone home from Croma the same day and pay for it in easy monthly amounts across 3 to 60 months.

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 and to new applicants who pass KYC and eligibility checks. Here is what the card offers.

• A card loan offer of up to Rs. 6 lakh, usable on your new smartphone and other purchases.
• A repayment tenure across 3 to 60 months, so you can pick a duration that fits your monthly budget.
• Access to over 1.5 lakh partner stores across more than 4,000 cities in India, including Croma.
• A one-time joining fee of Rs. 530, with 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 smartphone easily and affordably.

Easy EMIs change what you can afford when you buy a phone at Croma. Here is how they help you make better buying decisions:

• Go for a better phone: Easy EMIs make it easier to choose a flagship with a better camera over a basic model, and spread the cost over the months ahead.
• Buy at launch: You can pre-book and buy the latest iPhone or Galaxy phone when it arrives, instead of waiting months to save the full amount.
• Take it home the same day: You can pay on Easy EMIs at the billing counter and walk out with your new phone in minutes.
• No credit card needed: The Insta EMI Card is a pre-qualified card loan, so you can pay for your phone in monthly instalments even without a credit card.

→ Verdict: If you plan to buy a smartphone at Croma, the Insta EMI Card is the smarter way to pay. You lock in the offer price now and pay for it gradually, without a credit card.

Applying for the Bajaj Finance Insta EMI Card takes only a few minutes online and does not need any physical paperwork. Follow these steps to apply.

1. Enter your 10-digit mobile number and click on 'CHECK OFFER' on the Insta EMI Card page.
2. Enter the OTP and submit.
3. Enter your full name and click on 'Yes, Auto-Fetch Details'.
4. Verify your pre-filled personal details and click on 'CONTINUE'.
5. Check your pre-qualified card loan offer amount and click on 'CONTINUE'.
6. Review your wallet setup details and verify the OTP.
7. Complete identity verification by confirming your current residential address.
8. Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

You can use the Bajaj Finance Insta EMI Card at any Croma partner store. Paying takes only a few minutes at the billing counter. Here is how:

1. Browse and select your smartphone at a Croma partner store.
2. At checkout, tell the partner store executive you want to pay using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details with the executive.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate the transaction using the OTP sent to your registered mobile number.
6. Your purchase is approved instantly. Take your new phone home.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your 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.

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.

• Nationality: Indian Citizen.
• Age: 21 years to 70 years.
• Credit score:A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

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