How to Buy the iPhone 15 on EMI Without a Credit Card

How to Buy the iPhone 15 on EMI Without a Credit Card

The iPhone 15 brings a 48MP camera, Dynamic Island, and USB Type-C charging in a 171 g body. Find out how you can shop for one without a credit card.

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5 reasons to choose Insta EMI Card
 

5 reasons to choose Insta EMI Card

You can buy the iPhone 15 on EMI without a credit card, using the Bajaj Finance Insta EMI Card. The 128GB variant comes to about Rs. 3,121 a month over 24 months.

 

  • Prices: The 128GB variant costs Rs. 74,900, the 256GB costs Rs. 84,900, and the 512GB costs Rs. 89,900.
  • Price drop: The 128GB variant now costs Rs. 5,000 less than its Rs. 79,900 launch price.
  • Refurbished option: Refurbished units start at about Rs. 41,999, with a seller warranty of 6 months.
  • Easy EMIs: The Insta EMI Card gives a card loan offer of up to Rs. 6 lakh, repayable across 3 to 60 months.

 

Check your Insta EMI Card eligibility using your mobile number and OTP, so you can buy your iPhone 15 on Easy EMIs without a credit card.

What is the iPhone 15 known for, and why should I get one?

The iPhone 15 is known for bringing Dynamic Island, a 48MP camera, and USB Type-C to Apple’s standard iPhone for the first time. It is light at 171 g and easy to use with one hand. It suits first-time iPhone buyers, students, and anyone who wants a reliable iPhone without paying flagship prices.

In 2026, the iPhone 15 is one of the most affordable new iPhones you can still buy. Here is why it is worth getting:

  • Costs less than the newest model: At Rs. 74,900, it is Rs. 25,000 cheaper than the Rs. 99,900 iPhone 17.
  • One cable for everything: USB Type-C lets you share one charger with your laptop, earbuds, and Android phones.
  • Years of updates left: It launched with iOS 17 and can be updated to iOS 27.
  • Built to last: IP68 protection survives water up to 6 metres deep for 30 minutes.

→ Pro tip: If you mainly use your phone for photos, UPI payments, video calls, and social media, the iPhone 15 covers all of it. You do not need to pay Rs. 25,000 more for the iPhone 17 unless you want its newer features.

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How can I buy the iPhone 15 without a credit card?

You can pay the full price at once, or you can split it into monthly instalments with the Bajaj Finance Insta EMI Card. The card is a pre-qualified card loan, not a credit card, so you do not need a credit card to buy an iPhone 15 on EMI. Follow the steps below.


Step 1: Apply for the Insta EMI Card

Applying takes only a few minutes online and does not need any physical paperwork. Follow these steps:

  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.

 

Step 2: Use the card at a partner store

Once your card is active, you can buy the iPhone 15 at a partner store in a few minutes:

  1. Ask for the iPhone 15 and select your variant and colour.
  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 iPhone home.

Or use the card online

You can also buy the iPhone 15 on Amazon or Flipkart with the same card:

  1. Add the iPhone 15 to your cart on Amazon or Flipkart.
  2. At checkout, select the Bajaj Finance Easy EMI option.
  3. Enter your Insta EMI Card details and registered mobile number.
  4. Choose a repayment tenure across 3 to 60 months.
  5. Confirm using the OTP sent to your registered mobile number.
  6. Your order is placed. EMI deductions begin from the next billing cycle.

Why should I buy the iPhone 15 with the Insta EMI Card?

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 makes it a good fit for your iPhone 15 purchase.

  • A card loan offer of up to Rs. 6 lakh, which covers any iPhone 15 variant, including the Rs. 89,900 512GB model.
  • A repayment tenure across 3 to 60 months, so you can bring the 128GB variant down to about Rs. 3,121 a month over 24 months.
  • Use at over 1.5 lakh partner stores across more than 4,000 cities, such as Croma, Reliance Digital, and Vijay Sales, and on Amazon and Flipkart.
  • Zero down payment on select products and during festive season offers.
  • 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 iPhone 15 variant easily and affordably.


*Inclusive of applicable taxes.

 

→ Verdict: Paying for the iPhone 15 with the Insta EMI Card turns a Rs. 74,900 bill into about Rs. 3,121 a month over 24 months. You keep your savings intact and still get a new iPhone today.

What features and specifications does the iPhone 15 offer?

The iPhone 15 packs a strong camera, a bright screen, and an efficient chip into a compact body. Here is what you gain in daily use:

  • Detailed photos of family moments: The 48MP main camera with sensor-shift OIS keeps shots sharp at weddings and festivals.
  • Wide shots in small spaces: The 12MP ultrawide camera fits a whole group into the frame in a crowded room.
  • Live updates without opening apps: Dynamic Island shows your cab’s arrival, a cricket score, or a timer at the top of the screen.
  • Easy viewing outdoors: The 6.1-inch OLED display reaches 2,000 nits at peak brightness.
  • Smooth everyday speed: The A16 Bionic chip handles UPI payments, video calls, and games without lag.
  • A full day of use: The 3,349 mAh battery scored 13 hours 20 minutes in an active use test.
  • Help in an emergency: Emergency SOS via satellite works even where there is no mobile network.

The table below lists the full specifications of the iPhone 15, so you can compare it with other phones.


SpecificationDetails
Display6.1-inch Super Retina XDR OLED, HDR10, Dolby Vision
Resolution1179 x 2556 pixels, 461 ppi
Brightness1,000 nits (HBM), 2,000 nits (peak)
ProcessorApple A16 Bionic (4 nm), hexa-core
RAM and storage6GB RAM with 128GB, 256GB, or 512GB
Rear cameras48MP wide with sensor-shift OIS + 12MP ultrawide (120-degree)
Front camera12MP with autofocus
Video4K at up to 60 fps, Dolby Vision HDR
Battery3,349 mAh
Charging50% in 30 minutes (wired), 15 W MagSafe and Qi2 wireless, 4.5 W reverse wired
SoftwareiOS 17, upgradable to iOS 27
SIMNano-SIM + eSIM
Network5G, 4G LTE, Wi-Fi 6, Bluetooth 5.3, NFC
ProtectionIP68 (up to 6 metres for 30 minutes), Ceramic Shield glass
BuildGlass front and back, aluminium frame
Size and weight147.6 x 71.6 x 7.8 mm, 171 g
PortUSB Type-C 2.0
ColoursBlack, Blue, Green, Yellow, Pink

There are a few trade-offs to know. The display does not have a 120 Hz refresh rate, and there is no telephoto camera. With 6GB RAM, it does not support Apple Intelligence, which needs a newer iPhone.

Price list of iPhone 15 variants in India

The iPhone 15 now costs Rs. 5,000 less than it did at launch, and a refurbished unit costs far less. The table below shows what each variant costs and what you would pay each month on Easy EMIs over two years.


Variant nameWhy choose thisPriceIndicative EMI
iPhone 15 128GBEnough space for apps, photos, and daily useRs. 74,900Rs. 3,121
iPhone 15 256GBRoom for 4K videos and a large photo libraryRs. 84,900Rs. 3,538
iPhone 15 512GBFor users who keep years of videos on the phoneRs. 89,900Rs. 3,746
iPhone 15 (refurbished)The lowest price, with a seller warranty of 6 monthsRs. 41,999Rs. 1,750

Last updated: October 2026
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. Indicative EMI figures are based on a simple division of the product price over a 24-month tenure, with no interest, processing fee, or other charges factored in.

 

→ Pro tip: The 256GB variant costs Rs. 10,000 more than the 128GB variant, which is only about Rs. 417 a month extra over 24 months. If you shoot a lot of 4K video, the extra space is worth it.

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List of partner stores and platforms stocking the iPhone 15

You can buy the iPhone 15 with the Insta EMI Card at large electronics chains and on the two biggest shopping websites. The table below shows where to look and what extra benefits each one offers.


Store nameLocationsSpecial offers
CromaPartner stores across India, including 21 in Ahmedabad and 7 in IndoreEasy EMIs, exchange offers on old phones, and zero down payment on select products
Reliance DigitalPartner stores across IndiaEasy EMIs and festive season offers
Vijay SalesPartner stores in cities such as Pune (16), Gurgaon (6), and DelhiEasy EMIs, exchange offers, and after-sales support
Aditya VisionOver 200 showrooms across Bihar, Jharkhand, Uttar Pradesh, and ChhattisgarhEasy EMIs in smaller towns and cities
FlipkartOnline, with delivery across India128GB variant in stock, with frequent sales
AmazonOnline, with delivery across IndiaEasy EMIs and frequent sales

Disclaimer: Stock, offers, and partner store availability may differ by location and time. Please check with the partner store before you visit.

Get the best offers near you

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Benefits of using the Insta EMI Card

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.


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. 6 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.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

  

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

What is the eligibility criteria for the 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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Frequently asked questions

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EMIs and payments

Card and eligibility

Is the iPhone 15 still worth buying in 2026?

Yes, if you want a new iPhone on a budget. At Rs. 74,900, the iPhone 15 costs Rs. 25,000 less than the iPhone 17 and still gets updates up to iOS 27. You get a 48MP camera, Dynamic Island, and USB Type-C. Check your Insta EMI Card eligibility with your mobile number and OTP to pay monthly.

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

Yes. You can buy the iPhone 15 on Easy EMIs with the Insta EMI Card at partner stores such as Croma and Vijay Sales, and on Amazon and Flipkart. You can repay across 3 to 60 months. Zero down payment is also available on select products and during festive season offers.

How much EMI should I pay for my iPhone 15?

It depends on the variant and tenure you choose. Over 24 months, the Rs. 74,900 128GB variant comes to about Rs. 3,121 a month. The Rs. 84,900 256GB variant comes to about Rs. 3,538, and the Rs. 89,900 512GB variant to about Rs. 3,746. These figures are before any interest or charges.

How do I buy the iPhone 15 in instalments?

Pick your iPhone 15 at a partner store or on Amazon or Flipkart. At checkout, choose the Insta EMI Card, select a tenure across 3 to 60 months, and confirm with the OTP sent to your registered mobile number. Your purchase is approved instantly, and you pay the amount in monthly instalments.

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

Yes. The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It gives you a card loan offer of up to Rs. 6 lakh, which covers any iPhone 15 variant. You pay a one-time joining fee of Rs. 530 and zero annual fee from the second year onwards.

What are the minimum eligibility criteria to get the iPhone 15 on EMIs?

You must be an Indian citizen aged 21 years to 70 years with a regular income, salaried or self-employed. You also need a good credit score and repayment history. Keep your PAN card, Aadhaar card, and registered mobile number ready. Check your Insta EMI Card eligibility online in a few minutes.

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Bajaj Finance app for all your financial needs and goals

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

You can use the Bajaj Finance 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 Finance App today and experience the convenience of managing your finances on one app.

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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.