How to Buy iPhone on EMI without Credit Card

Ultimate Guide to Buy iPhone on EMI without a credit card using the Bajaj Finserv Insta EMI Card.
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How to Buy iPhone on EMI without Credit Card
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3 min
16-Feb-2024

Are you eyeing that shiny new Apple iPhone but worried about the lack of a credit card to make the purchase? With the Bajaj Finserv Insta EMI Card, owning your dream iPhone has never been easier. This innovative card allows you to purchase the latest Apple iPhone on EMI, eliminating the need for a credit card. Instead of waiting for months to save up, you can bring home the iPhone of your choice immediately and pay for it in affordable monthly instalments. It’s a hassle-free solution designed to make premium smartphones accessible to everyone.

The Insta EMI Card offers a seamless shopping experience both online and at partner stores. Whether you're looking for the latest iPhone 15 or other models, you can enjoy flexible repayment tenures and zero hidden charges.You might already be eligible; check your offers now by entering your mobile number and verifying with an OTP.

Apple iPhone overview

The iPhone is Apple’s popular smartphone that combines calling, browsing, photography, music, and apps in one device. First launched in 2007, it introduced a user-friendly touchscreen that replaced traditional buttons. Its features include a sharp display, powerful processor, Face ID, and seamless software integration, offering users a smooth and intuitive mobile experience across different generations of iPhones.

List of available iPhone models on EMI

iPhone model

Price

Apple iPhone 15 (128 GB)

Rs. 73,100

Apple iPhone 15 (256 GB)

Rs. 82,600

Apple iPhone 15 (512 GB)

Rs. 1,01,400

Apple iPhone 15 Plus (256 GB)

Rs. 92,000

Apple iPhone 15 Pro (128 GB)

Rs. 1,27,990

Apple iPhone 15 Pro (256 GB)

Rs. 1,37,990

Apple iPhone 15 Pro (1 TB)

Rs. 1,79,900

Apple iPhone 15 Pro Max (256 GB)

Rs. 1,48,900

Apple iPhone 15 Pro Max (1 TB)

Rs. 1,99,900

Apple iPhone 14 (128 GB)

Rs. 62,800

Apple iPhone 14 (512 GB)

Rs. 91,100

Apple iPhone 14 Plus (128 GB)

Rs. 72,200

Apple iPhone 14 Plus (256 GB)

Rs. 81,700

Apple iPhone 14 Plus (512 GB)

Rs. 89,999

Apple iPhone 13 (128GB)

Rs. 49,999

Apple iPhone 13 (256GB)

Rs. 61,390

Apple iPhone 13 (512 GB)

Rs. 81,900
Apple iPhone 16e (128 GB) Rs. 59,900
Apple iPhone 16e (256 GB) Rs. 69,900
Apple iPhone 16e (512 GB) Rs. 89900

Apple iPhone 16

Rs. 79,900

Apple iPhone 16 Plus

Rs. 89,900

Apple iPhone 16 Pro

Rs. 1,19,900

Apple iPhone 16 Pro Max

Rs. 1,44,900

Key highlights about new iPhone 16 and 16e

The iPhone 16 has a new Camera Control button and better battery performance, designed to support Apple’s AI tools. It features a bright display, dual cameras, and MagSafe support. The iPhone 16e offers core features with a single camera and classic notch. Both models come with a 6.1-inch display, A18 chip, and run on iOS 18.

Apple iPhone Pros and Cons

Feature

Pros

Cons

Design and build quality

Sleek, premium design; Durable materials (e.g., Ceramic Shield, stainless steel)

Relatively heavy; Glass back susceptible to breakage

Display

High-quality OLED or Super Retina XDR displays; Vibrant colors; Wide color gamut

Higher refresh rates (e.g., 120Hz) limited to Pro models

Performance

Powerful A-series chipsets; Smooth multitasking; Excellent gaming performance

Older models may experience performance degradation over time

Camera

Top-notch camera systems; Multiple lenses; Advanced features (e.g., Night Mode, Portrait Mode); High-quality video recording

Computational photography can sometimes be overprocessed

Software

Intuitive iOS; Regular updates with new features; Strong security

Limited customization compared to Android

Ecosystem

Seamless integration with other Apple devices; App Store with vast app selection

Dependence on Apple's ecosystem; Limited flexibility

Battery life

Generally good battery life; Efficient processors

Heavier usage may require frequent charging

Price

Premium pricing

Can be expensive, especially for higher-end models

Water resistance

Water and dust resistant

Not fully waterproof; Avoid submerging in deep water

 

Insta EMI Card
Insta EMI Card

Advantages of Apple iPhone

The iPhone offers a clean, easy-to-use interface and secure performance. With millions of reliable apps on the App Store, strong data protection, and regular updates, it’s a trusted choice. Its fast processor, excellent camera, and smart services like Siri and iCloud enhance everyday use, while its powerful multitasking and gaming options make it ideal for work and play.

Here is a step-by-step guide on how you can buy an iPhone on EMI without a credit card

  1. Check eligibility: Before applying for the Bajaj Finserv Insta EMI Card, ensure you meet the eligibility criteria. Typically, you should be between 21 years and 65 years with a regular source of income and a good credit history.
  2. Apply for the Insta EMI Card: You can apply for the Bajaj Finserv Insta EMI Card by visiting the nearest Bajaj Finserv partner store.
  3. Submit the required documents: To complete the application process, you will need to submit necessary documents such as identity proof, address proof, and income proof.
  4. Receive approval: Once your application is processed and approved, you will receive your Bajaj Finserv Insta EMI Card with a pre-qualified card loan limit.
  5. Choose the iPhone model: With your Insta EMI Card ready, select the iPhone model you desire to purchase. You can choose from various models available in the market.
  6. Visit partner store: Head to the nearest Bajaj Finserv partner store or retailer offering the iPhone model of your choice.
  7. Avail easy EMI: Inform the store representative or select the easy EMI option while making the purchase online. With Bajaj Finserv, you can avail of attractive easy EMI options, allowing you to pay for your iPhone in easy monthly instalments with minimal interest.
  8. Swipe your Insta EMI Card: At the time of purchase, swipe your Bajaj Finserv Insta EMI Card to convert the total cost of the iPhone into convenient monthly instalments.
  9. Complete the transaction: Follow the instructions provided by the store representative or online payment gateway to complete the transaction securely.
  10. Enjoy your new iPhone: Once the transaction is successful, you can walk out of the store with your brand-new iPhone in hand or await its delivery if you purchased online.

Benefits of using EMI Card for buying iPhone on EMI

  • No need for a credit card: You do not need a credit card to avail of the EMI facility, making it accessible to a wider audience.
  • Flexible repayment options: Enjoy flexible repayment tenures ranging from 3 to 60 months, allowing you to choose a tenure that suits your budget.
  • No additional charges: With the easy EMI option, you will not incur any additional interest or processing fees, making it a cost-effective way to purchase your favourite iPhone model.
  • Instant approval: The application process for the Bajaj Finserv Insta EMI Card is quick and hassle-free, with instant approval for eligible applicants.

Check the benefits and features of Insta EMI Card

Eligibility criteria and documents required for buying iPhone with Insta EMI Card

Anyone can get an Insta EMI Card as long as you meet the basic criteria mentioned below. If you meet the criteria, you will need a set of documents to complete your application process.

  • Eligibility criteria
    • Nationality: Indian
    • Age: 21 years to 65 years
    • Income: You must have a regular source of income
    • Credit score: As per Bajaj Finance risk policies
  • Documents required
    • PAN Card
    • Aadhaar Card number for KYC confirmation
    • Bank account number and IFSC code for e-mandate registration

Want to know if you’re eligible? Check your Insta EMI Card offers now by entering your mobile number and OTP for verification.

Check the documents required for the Insta EMI Card

How to apply for the Bajaj Finserv Insta EMI Card

If you want to apply for Bajaj Finserv Insta EMI Card follow below process step by step:

  1. Enter your 10-digit mobile number and click on “GET IT NOW” on the top of the 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. Select your gender and employment type and click on “PROCEED”
  5. Check your pre-qualified offer.
  6. Click on Proceed to verify your KYC details.
  7. Post successful KYC, check your card limit details
  8. Select and apply a promo code of your choice and pay a one-time joining fee of Rs. 530
  9. After successful payment, your card is ready to use

Quick links to buy iPhone on Easy EMIs:

Buy iPhone on EMI

Buy iPhone 13 Pro on EMI

Buy iPhone 14 Plus on EMI

iPhone 13 Pro Max on EMI

Buy iPhone 13 Mini on EMI

Buy iPhone 14 Pro on EMI

Sangeetha Mobiles

iPhone 15 EMI

Buy iPhone 14 on EMI

Buy iPhone 15 Pro Max on EMI

Buy iPhone 16 Plus on EMI

iPhone 15 Pro Max on EMI

Buy iPhone 15 on EMI

Buy iPhone 16 on EMI

Buy iPhone 16 Pro Max on EMI

iPhone 15 Pro on EMI

Partner stores offering iPhone on EMI with Bajaj Insta EMI Card

 

Big C Mobiles

Sales India

Mishra Computers

Girias Mobiles

Sagar Computer

Libra Infotech

Devi International Online Shopping

Bajaj Electronics Online Shopping

Computer Gallery

Vasanth and Co Online Shopping

Saraf Computers

Bbcc It Solution

Sangeetha Mobiles

Great Eastern Electronics

Croma Store

Khosla Electronics

QRS Retail

Electronic Paradise

How to use Bajaj EMI Card on Flipkart

Adishwar Electronics

Zapnet Computer

Arcee Electronics

Vivek Electronics

Agarwal Computer

Pai International Electronics

Faith Computers

Darling Retail

Sister Mobile

Sonovision Electronics

Prakash Electric

New Gen Computers

Sathya Store

Computer Zone

Tirumala Music Center

Popular Electronics

James and Co

Digital Equipments

Digi1 Electronics

Balaji Infosys

Poonam Trading Corporation

Computer Care

Kohinoor Electronics Santacruz

CPR Distributors

Snehanjali Electronics

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Terms related with EMI cards

 

BNPL

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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!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

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.

Frequently asked questions

Can we purchase an iPhone on EMI?

Yes, you can! With your Bajaj Finserv Insta EMI Card, you can purchase the latest iPhone you’ve been eyeing on affordable low-cost EMIs across a tenure chosen by you.

Can I buy an iPhone in instalments?

Absolutely! Use your Bajaj Finserv Insta EMI Card to buy an iPhone of your choice in easy-to-manage monthly instalments. What’s more, you can choose a repayment tenure that suits your financial situation. This ensures that the low-interest EMIs are aligned with your monthly budget.

How can I buy a phone on EMI without a credit card?

You can buy a phone on EMI without a credit card by using alternatives like the Bajaj Finserv Insta EMI Card, which allows you to convert your purchase into easy EMIs. Many retailers also offer no-cost EMI options through digital wallets or consumer loan services like ZestMoney or Home Credit.

Do I need an Aadhaar card to purchase the iPhone on EMI in India?

Yes, an Aadhaar card is generally required to purchase an iPhone on EMI in India. It serves as a primary identification document for KYC verification, along with other forms of ID, to complete the loan approval process and enable EMI financing options.

How can I get iPhone EMI with zero down payment?

You can get an iPhone on EMI with zero down payment by opting for finance schemes from providers like Bajaj Finserv, which offer Easy EMI plans. These plans allow you to spread the cost of the phone over monthly payments without paying any upfront amount, subject to eligibility.

Is Bajaj Finserv Insta EMI Card accepted for iPhone purchases at Apple Stores or Croma?

Yes, you can use the Bajaj Finserv Insta EMI Card at Croma and partner Apple resellers. The Insta EMI Card’s widespread acceptance across over 1.5 lakh partner stores nationwide and on all major e-commerce sites make it the perfect shopping companion. Ready to apply? Check your eligibility instantly by entering your mobile number and OTP.

What documents are required to buy an iPhone on EMI from an offline store?

You’ll need your Aadhaar and PAN cards, address proof, and bank details for e-mandate setup. These documents are required for verification before your EMI-based purchase is approved.

How to restart an iPhone?

Hold down the volume and side buttons together until the power-off slider appears. Slide it to turn off. After a few seconds, press the side button again to restart.

How to transfer data from Android to iPhone?

Download the ‘Move to iOS’ app on your Android phone. Follow the steps during iPhone setup to securely transfer your messages, photos, contacts, and apps to the new device.

How to screen record on iPhone?

Go to Settings > Control Centre and add ‘Screen Recording’. Swipe down from the top-right corner, tap the record icon, and it will start recording everything shown on your screen.

Which iPhone is best?

The best iPhone depends on your needs. The latest Pro models offer top features, while the iPhone 16e suits budget buyers who want strong performance without paying premium prices. Looking to upgrade to the latest iPhone? Do not let the price tag stand in your way. Bring it home affordably with the Bajaj Finserv Insta EMI Card. You might already be eligible – check your offers now by entering your mobile number and verifying with an OTP.

How to transfer contacts from Android to iPhone?

Use the ‘Move to iOS’ app, or sync contacts via your Google account. Sign in on your iPhone and enable contact sync from Settings > Mail > Accounts > Google.

How to activate eSIM in iPhone?

Go to Settings > Mobile Data > Add eSIM. Follow your mobile provider’s steps, either by scanning a QR code or entering activation details manually. Your eSIM will be added.

Is the iPhone waterproof?

Recent iPhones, including the iPhone 16 series, are water and dust resistant with an IP68 rating. This means they can handle splashes and brief immersion in water, but not submersion.

How to check battery health in iPhone?

Go to Settings > Battery > Battery Health & Charging. You’ll see your battery’s maximum capacity and whether it supports peak performance. Replace the battery if capacity drops significantly.

Can I pre-book a new iPhone on EMI before its official launch?

Yes, select stores may allow pre-booking with EMI options. Check with authorised Apple partners or retailers in advance to know if your Insta EMI Card is accepted for pre-orders.

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