Buy the iPhone 15 on EMIs without Using a Credit Card

Discover the brilliant display and 48 MP camera of the iPhone 15 and easily manage your costs with the Insta EMI Card.
Buy the iPhone 15 on EMIs without Using a Credit Card
3 min
March 27, 2026

Overview of the iPhone 15

The iPhone 15 remains a powerful choice for users seeking a blend of sophisticated design and reliable performance. It features the innovative Dynamic Island and a high-resolution 48 MP main camera that captures stunningly detailed photographs in any lighting. 

You can easily upgrade to this premium device by using the Bajaj Finserv Insta EMI Card. This card provides a convenient card loan offer, allowing you to split the cost into manageable monthly payments. Take advantage of Easy EMIs to enjoy a flagship experience without a heavy immediate financial burden.
 

Key features and specifications of the iPhone 15

This smartphone delivers a versatile user experience through its bright OLED display and efficient A16 Bionic chipset. It offers significant improvements in photography and connectivity to keep you productive throughout the day.

  • Dynamic Island technology: This interactive notch surface bubbles up alerts and Live Activities, so you do not miss important notifications while using other applications.
  • Powerful 48 MP main camera: You can take super-high-resolution photos with incredible detail and rich colours, making every memory look professional and vibrant.
  • A16 Bionic chip: The advanced 4 nm processor handles intensive gaming and multitasking with ease while ensuring excellent battery efficiency for long-term use.
  • USB-C connectivity: The transition to a universal USB-C port simplifies your life by allowing you to charge your iPhone, Mac, and iPad with the same cable.
  • Durable colour-infused glass: The sturdy design features a contoured edge and a tough Ceramic Shield front, providing a comfortable grip and superior protection.
FeatureSpecification
ProcessorApple A16 Bionic (4 nm)
Display size15.49 cm (6.1-inch)
Resolution1179 x 2556 pixel
Pixel density461 ppi
Main camera48 MP (Wide) + 12 MP (Ultrawide)
Battery capacity3,349 mAh
Weight171 g

Price of the iPhone 15 variants in India

The price for the iPhone 15 varies based on the storage capacity you select for your digital content. Each variant provides the same high-quality Super Retina XDR display and advanced camera system.

Variant nameWhy should you get thisPrice
iPhone 15 (128GB)This variant serves as the perfect entry point for users who primarily use cloud storage for photos.Rs. 69,900
iPhone 15 (256GB)Select this model if you prefer storing a large number of offline applications and high-resolution videos locally.Rs. 79,900
iPhone 15 (512GB)This version is ideal for power users who require maximum space for heavy professional workloads and extensive libraries.Rs. 99,900

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a partner store.
 

What is a Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a digital financial tool that provides a pre-approved card loan offer for your shopping requirements. You can use this card to convert the purchase price of premium smartphones and electronics into Easy EMIs. It works seamlessly across a vast network of over 1.5 lakh partner stores in India, both online and offline. The card requires no physical documentation for existing customers and offers flexible repayment tenures. It empowers you to own the latest technology today while choosing a payment schedule that fits your monthly budget.

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 easily and affordably.
 

How to buy the iPhone 15 on EMIs

Purchasing your new iPhone 15 using your digital card is a quick and straightforward process at any authorised retail partner. You can complete the entire transaction within minutes by following these simple, actionable steps.

  • Select your model: Visit a partner electronics store and choose the iPhone 15 storage variant and colour that best suits your personal style.
  • Provide card details: Share your Insta EMI Card information and your registered mobile number with the store representative at the billing counter.
  • Authorise the payment: Choose a comfortable repayment tenure and enter the one-time password sent to your mobile phone to finalise your purchase securely.
     

Benefits of using the Insta EMI Card

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail deals with no upfront payment requirement on select models.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

  
Also read: Features and benefits of the Bajaj Finserv Insta EMI Card
 

Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 years to 65 years.
  • Credit score: A healthy credit score per Bajaj Finserv policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

 
Also read: Eligibility criteria for the Insta EMI Card
 

How to apply for an Insta EMI Card

  • Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  • Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  • Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  • Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified limit.
  • Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  • Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  • Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
  • View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.
      

Also read: How to apply for the Insta EMI Card

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

Is the iPhone 15 still worth buying in 2026?

The iPhone 15 remains a highly capable device in 2026 due to its A16 Bionic chip and 48 MP camera. Apple provides software updates for many years, ensuring you receive the latest security features. It offers excellent value for users seeking a premium experience at a reduced price point.

Can I get Easy EMIs on the iPhone 15 in 2026?

Yes, you can still access Easy EMIs for the iPhone 15 in 2026 through the Bajaj Finserv Insta EMI Card. Partner retailers continue to offer flexible payment plans for this model. This allows you to split the cost into smaller parts without paying any extra interest on the product price.

How much EMIs should I pay for my iPhone 15?

Your monthly instalment depends on the specific storage variant you choose and the repayment tenure you select. For example, a 128GB model split over 12 months will result in a different amount than a 24 month plan. You can choose a tenure that makes the payments comfortable for you.

How to buy the iPhone 15 in instalments?

You can buy the iPhone 15 in instalments by visiting an authorised store that accepts the Bajaj Finserv Insta EMI Card. Select your phone, provide your card details, and pick a tenure. The store executive will process the transaction, converting the total invoice amount into small, manageable monthly payments for you.

Can I buy the iPhone 15 on EMIs without a credit card?

You do not need a traditional credit card to purchase the iPhone 15 on instalments. The Bajaj Finserv Insta EMI Card acts as a dedicated card loan offer for shopping. This allows you to enjoy the benefits of monthly payments even if you do not possess a regular credit card.

What is the minimum eligibility to get the iPhone 15 on EMIs?

To get the iPhone 15 on instalments, you must have an active Insta EMI Card with an adequate card loan offer. Usually, individuals between 21 years and 65 years of age with a regular source of income can apply for the card. Existing cardholders only need to ensure they have sufficient balance.

What card loan offer do I need to buy the iPhone 15 on EMIs?

You need a card loan offer that is equal to or higher than the price of the iPhone 15 variant you wish to buy. The base variant starts at approximately Rs. 69,900. If your limit is lower, you can pay the difference as a down payment at the store.

Does the Bajaj Finserv Insta EMI Card work at Croma stores for the iPhone 15?

Yes, the Bajaj Finserv Insta EMI Card works perfectly at Croma stores and many other large electronics retail chains across India. You can walk into any Croma outlet, select your preferred iPhone 15 model, and ask the executive to process your purchase using the Easy EMIs facility on your card.

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