How to Buy the Latest iPhone on EMIs Without a Credit Card

How to Buy the Latest iPhone on EMIs Without a Credit Card

Apple’s latest iPhones start at Rs. 79,900 for the iPhone 17e and go up to the foldable iPhone Duo. Find out how you can shop for one without a credit card.

EMI Calculator

Calculator

Video

Videos

FAQs

FAQs

Get a card loan offer of up to Rs. 6 lakh

Enter mobile and OTP | Check offer | No branch visit needed

In summary

Discover flagship power across the latest Apple iPhones
 

Discover flagship power across the latest Apple iPhones

You can buy the latest iPhone on EMI without a credit card, using the Bajaj Finance Insta EMI Card. For example, the iPhone 18 Pro Max (256GB) at Rs. 1,79,900 comes to about Rs. 7,496 a month over 24 months.

 

  • Newest Pro models: The iPhone 18 Pro and iPhone 18 Pro Max went on sale in India on 18th September, 2026.
  • First foldable iPhone: The iPhone Duo starts at Rs. 2,99,900, with sales from 23th October, 2026.
  • Price change: Apple raised prices on older models on 9th September, 2026, so the iPhone 17 (256GB) now costs Rs. 99,900.
  • Easy EMIs: The Insta EMI Card gives a card loan offer of up to Rs. 6 lakh, repayable across 3 to 60 months.

What are the latest iPhones known for, and why should you get one?

The latest iPhones are known for Apple’s fastest chips, better cameras, and, for the first time, a foldable design. Whether you want a compact phone for daily use, a large Pro model for photography, or a phone that opens into a small tablet, there is now an iPhone for each need. You also get years of software updates.

Here is why the latest iPhones are worth getting:

  • The fastest chip Apple has made: The A20 Pro in the iPhone 18 Pro, 18 Pro Max, and iPhone Duo is built on a 2 nm process.
  • Long software support: The iPhone 18 Pro Max ships with iOS 27 and is expected to get 5 years of OS updates.
  • More choice than ever: The line-up runs from the 6.1-inch iPhone 17e to the 7.6-inch foldable iPhone Duo.
  • Better low-light photos: The iPhone 18 Pro models add a 48MP main camera with a variable aperture.

→ Pro tip: If you mainly use your phone for photos, UPI payments, video calls, and social media, the iPhone 17e or iPhone 17 covers it all. Choose a Pro model only if you need the zoom camera, the larger battery, or the faster chip.


Whichever iPhone you choose, you do not have to pay the full price at once. For example, the iPhone 17e at Rs. 79,900 comes to around Rs. 3,329 a month over 24 months. Check your Insta EMI Card eligibility using your mobile number and OTP, so you can buy your preferred iPhone on Easy EMIs without a credit card.

Topbanner_Offer1_App_Ele.png 1

Buy LG Washing Machines

EMI from ₹888*

  • 12-month tenure
 TopBanner_Offer2_App_Ele.png 2

Samsung S26 FE

Zero down payment

  • EMI from ₹2,917*
 TopBanner_Offer3_App_Ele.png 3

Get Haier LED TVs

EMI from ₹1,994*

  • Get 1* EMI Off
 TopBanner_Offer4_App_Ele.png 4

HP Laptops

On Easy EMI

  • EMI from ₹2,294*
 TopBanner_Offer5_App_Ele.png 5

Shop LG Fridges

EMI from ₹999*

  • 36 Months Tenure
 TopBanner_Offer6_App_Ele.png 6

New vivo S2

On Easy EMI

  • Zero down payment
 Topbanner_Offer7_App_Ele.png 7

Buy Samsung Washers

On Easy EMI

  • Zero down payment
 Topbanner_Offer8_App_Ele.png 8

Shop Sony LED TVs

24-month tenure

 ECLP_TopBanner_EasyEMILoan_App.png 9

Electronics, Mobiles on EMI -

₹1,500 cashback

  • Loan up to ₹5L
  • Flexible tenures
  • Exclusive offers*
 TopBanner_Offer9_App_Ele.png 10

Buy vivo X300 FE

On Easy EMI

  • EMI from ₹3,333*

How can you buy the latest iPhone 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 the latest iPhone 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 your iPhone at a partner store in a few minutes:

  1. Ask for the iPhone model you want and select your storage 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 latest iPhone on Amazon or Flipkart with the same card:

  1. Add the iPhone 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.
Show more
Show less

Why should you buy the latest iPhone 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 new iPhone.

  • A card loan offer of up to Rs. 6 lakh, which covers most of the line-up, from the iPhone 17e to the iPhone 18 Pro Max (512GB).
  • A repayment tenure across 3 to 60 months, so even a Pro model can fit your monthly budget.
  • 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 variant easily and affordably.


*Inclusive of applicable taxes.

 

→ Verdict: The Insta EMI Card turns a Rs. 1,64,900 iPhone 18 Pro into about Rs. 6,871 a month over 24 months. You keep your savings intact and still get Apple’s newest Pro iPhone.

What features and specifications do the latest iPhones offer?

Each model in the latest line-up is built for a different kind of user. Here is what you gain in daily use:

  • A phone that opens into a small tablet: The iPhone Duo unfolds into a 7.6-inch screen for films, maps, and work, with a 5.4-inch outer screen for quick tasks.
  • Sharp zoom for stage shows and wildlife: The iPhone 18 Pro models have a Fusion telephoto camera with up to 8x optical-quality zoom.
  • All-day battery for heavy users: The iPhone 18 Pro Max has a 5,567 mAh battery, the longest-lasting on any iPhone so far, per Apple.
  • Faster top-ups: The iPhone 18 Pro Max supports 60 W wired charging.
  • A light phone for one-hand use: The iPhone 17e has a 6.1-inch screen and a 4,005 mAh battery.
  • Smooth scrolling on a mid-range iPhone: The iPhone 17 brings a 120 Hz display to the standard model.

The table below compares the key specifications of each current model, so you can pick the right one quickly.


ModelDisplayChipKey highlight
iPhone Duo7.6-inch inner, 5.4-inch outerA20 Pro (2 nm)Apple’s first foldable, with two 48MP rear cameras
iPhone 18 Pro Max6.9-inch, 120 HzA20 Pro (2 nm)5,567 mAh battery and 60 W wired charging
iPhone 18 Pro6.3-inch, 120 HzA20 Pro (2 nm)48MP main camera with a variable aperture
iPhone Air6.5-inchA19 ProApple’s thinnest iPhone
iPhone 176.3-inch, 120 HzA19A 120 Hz screen on the standard model
iPhone 17e6.1-inchA1948MP camera at the lowest current price
iPhone 166.1-inchA18Camera Control button

There are a few trade-offs to know. Apple raised prices on its older models on 9 September 2026, so the iPhone 17 now costs Rs. 17,000 more than at launch. The iPhone Duo and the highest-storage Pro variants also cost more than many buyers’ card loan offers.

Price list of the latest iPhones and their variants

The latest iPhones range from under Rs. 80,000 to almost Rs. 3 lakh for the base foldable. The table below shows what each popular variant costs and what you would pay each month on Easy EMIs over two years.


Variant nameWhy choose thisPriceIndicative EMI
iPhone 17e (256GB)The lowest-priced current iPhoneRs. 79,900Rs. 3,329
iPhone 16 (128GB)Camera Control at a mid-range priceRs. 89,900Rs. 3,746
iPhone 17 (256GB)A 120 Hz screen for smooth daily useRs. 99,900Rs. 4,163
iPhone 17 (512GB)Extra space for 4K videosRs. 1,24,900Rs. 5,204
iPhone Air (256GB)The thinnest and lightest feelRs. 1,49,900Rs. 6,246
iPhone 18 Pro (256GB)Pro cameras in a 6.3-inch sizeRs. 1,64,900Rs. 6,871
iPhone 18 Pro Max (256GB)The biggest screen and batteryRs. 1,79,900Rs. 7,496
iPhone 18 Pro (512GB)Pro cameras with room for ProRes videoRs. 1,89,900Rs. 7,913
iPhone 18 Pro Max (512GB)For creators who shoot a lotRs. 2,04,900Rs. 8,538
iPhone Duo (256GB)Apple’s first foldableRs. 2,99,900Rs. 12,496

Last updated: 14th 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.

List of partner stores and platforms stocking the latest iPhones

You can buy the latest iPhones with the Insta EMI Card at large electronics chains and on India’s 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
AmazonOnline, with delivery across IndiaEasy EMIs and exchange offers on select models
FlipkartOnline, with delivery across IndiaEasy EMIs and exchange offers on select models

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

Banner_NEW_Storelocator_XAOP_App_27072026.png

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


Explore more:

 

EMI full formBNPLPOS full form


Buy iPhone on EMI		Buy iPhone 13 Pro on EMIBuy iPhone 14 Plus on EMIiPhone 13 Pro Max on EMI
Buy iPhone 13 Mini on EMIBuy iPhone 14 Pro on EMISangeetha MobilesiPhone 15 EMI
Buy iPhone 14 on EMIBuy iPhone 15 Pro Max on EMIBuy iPhone 16 Plus on EMIiPhone 15 Pro Max on EMI
Buy iPhonen 12 on EMIBuy iPhone 16 on EMIBuy iPhone 16 Pro Max on EMIiPhone 15 Pro on EMI
iPhone 17 on EMIiPhone 17 Pro Max on EMIiPhone 18 Pro on EMIiPhone 18 Pro Max on EMI

Frequently asked questions

EMI basics

Buying on launch day

Card and documents

Can I purchase an iPhone on EMIs?

Yes. You can buy current iPhones, from the Rs. 79,900 iPhone 17e to the Rs. 2,04,900 iPhone 18 Pro Max (512GB), on Easy EMIs with the Insta EMI Card. It works at partner stores such as Croma and Vijay Sales, and on Amazon and Flipkart. Check your Insta EMI Card eligibility with your mobile number and OTP.

What is the minimum monthly EMI to buy an iPhone in India in 2026?

The lowest-priced current iPhone is the iPhone 17e (256GB) at Rs. 79,900. Spread over 60 months, it comes to about Rs. 1,332 a month. Over 24 months, it comes to about Rs. 3,329 a month. These figures are before any interest or charges, and your actual EMI depends on your card loan offer.

Can I buy the latest iPhone on EMIs on the day it launches in India?

Yes, if a partner store or Amazon or Flipkart is selling it that day. The Insta EMI Card works as soon as these sellers open sales. For example, the iPhone 18 Pro went on sale in India on 18 September 2026. Get your card approved before launch day, so you can check out quickly before stock runs low.

Can I buy the iPhone 18 Pro Max on EMIs on the day it launches in India?

Yes. The iPhone 18 Pro Max went on sale in India on 18 September 2026, starting at Rs. 1,79,900 for 256GB. With the Insta EMI Card, that comes to about Rs. 7,496 a month over 24 months. You can buy it at partner stores or on Amazon and Flipkart, depending on stock.

How can I buy an iPhone on EMIs without a credit card?

Apply for the Bajaj Finance Insta EMI Card online with your mobile number and OTP, and pay the one-time joining fee of Rs. 530. Then choose the Insta EMI Card at a partner store or on Amazon or Flipkart, pick a tenure, and confirm with an OTP. Check your Insta EMI Card eligibility to get started.

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

Yes. You need your Aadhaar card for KYC verification when you apply for the Insta EMI Card. You also need your PAN card and a registered mobile number. The whole process is digital, so you do not need to submit any physical documents. You must be 21 years to 70 years years old with a regular income.

Show more Show less

More articles

Article 1

Amazon Prime Day Sale

Oct 05, 2026

Read more

 Article 2

Amazon Upcoming Sale and Offers

Sep 30, 2026

Read more

 Article 3

Flipkart Upcoming Sale and Offers

Oct 14, 2026

Read more

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.

You are are

Related links

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.