Buy Mobile on EMI without Credit Card

Learn how to purchase mobile phones on EMI without a credit card with Bajaj Finserv Insta EMI Card.
Apply
Mobile on EMI without Credit Card
Apply
2 min
18 December 2024

You can now buy a mobile phone on EMI without a credit card, making the process more accessible and budget-friendly. Whether you want the latest iPhone or a feature-rich Android phone, you can spread the cost into easy monthly instalments. With the Bajaj Finserv Insta EMI Card, you get access to over 1 million+ products across top brands, both online and offline. No need to wait or compromise—shop instantly and repay at your convenience..

Read on to discover how you can easily purchase your next mobile phone on EMI without needing a credit card.

Advantages of buying mobiles on EMI without credit card

  • Seamless shopping experience: With a network of 1.5 lakh partner stores across 4,000 cities, you can conveniently purchase your desired mobile phone without the need for a credit card.

  • Affordability made easy: Break down the cost into manageable instalments (EMIs), making even high-end smartphones more accessible to your budget.

  • Zero down payment facilities: During festive occasions, take advantage of enticing zero down payment offers and bring home your dream device without any upfront costs.

  • Flexible repayment plans: Choose a repayment tenure between 1-60 months that aligns with your financial situation, ensuring a stress-free repayment journey.

  • Pre-qualified spending limit: Gain clarity on your spending capacity with a predefined loan offer amount of up to Rs. 3 lakh, allowing you to make informed purchasing decisions.

  • Credit score booster: Timely EMI payments can positively impact your credit score, opening doors to future credit opportunities.

Check the benefits and features of Insta EMI Card

Eligibility criteria for getting the Insta EMI Card for buying mobiles on EMI without credit card

  • Indian nationality
  • Age between 21 years and 65 years
  • Regular income source
  • Credit score of per Bajaj Finserv risk policies
  • Documentation: PAN and Aadhaar card, address proof, bank account information and IFSC code for e-mandate registration

Check the documents required for the Insta EMI Card

List of available mobiles on EMI without credit card

Brand

Models

Price

OnePlus

OnePlus Nord CE 3 Lite 5G (Chromatic Gray, 8GB RAM, 128GB Storage)

Rs. 17,499

realme

realme narzo 60 5G (Mars Orange, 8GB RAM, 128GB Storage)

Rs. 14,999

OnePlus

OnePlus 12R (Iron Gray, 16GB RAM, 256GB Storage)

Rs. 45,999

Samsung

Samsung Galaxy M34 5G (Prism Silver, 6GB RAM, 128GB Storage)

Rs. 15,999

Apple

Apple iPhone 15 (Black, 128GB)

Rs. 73,100

Motorola

Motorola G34 5G (Ocean Green, 8GB RAM, 128GB Storage)

Rs. 12,899

Samsung

Samsung S22 5G (Phantom White, 8GB RAM, 128GB Storage)

Rs. 37,700
Insta EMI Card
Insta EMI Card

How to buy mobile phones on EMI without a credit card

Here’s a step-by-step process walking you through how to purchase mobile on EMI without credit card:

  • Step 1: Locate a partnered retailer
    Visit any brick-and-mortar store that has partnered with Bajaj Finserv to offer the Insta EMI Card facility.
  • Step 2: Choose your desired mobile phone
    Pick out your preferred mobile phone from among the wide array of options available.
  • Step 3: Head to billing
    At the billing counter, inform the store representative that you’re interested in in-store financing.
  • Step 4: Share Insta EMI Card details
    Provide the store representative with your Insta EMI Card details and select a repayment tenure that works for you.
  • Step 5: Make your purchase
    With your Insta EMI Card, you can now seamlessly buy your dream mobile phone on convenient EMI terms, without the need for a traditional credit card.

How to apply for the Bajaj Finserv Insta EMI Card

  • Enter your 10-digit mobile number and verify the OTP sent to your phone.
  • Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  • Select your employment type and gender.
  • Click on proceed to know your pre-qualified card loan limit
  • Verify your KYC using your Aadhaar card or DigiLocker.
  • Post successful KYC, pay a one-time joining fee of Rs. 530.
  • After successful payment, your card is ready to use once you complete the e-mandate registration.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Other products and services on Easy EMI

Khosla Electronics

EMI full form

iPhone 13 Mini on EMI

BNPL (Buy Now, Pay Later)

Flight bookings on EMI

Poorvika Mobiles

iPhone 13 (128GB) - Specs and benefits

Sangeetha Mobiles

POS full form

iPhone 14 on EMI

iPhone 14 on EMI

iPhone 14 Pro on EMI

iPhone 12 Pro on EMI

iPhone 15 on EMI

Buy iPhone 13 Pro on EMI


List of Biggest Upcoming Sale in 2025

List of Biggest Upcoming Sale in 2025
Amazon Great Indian Festival 2025 Flipkart Diwali Big Billion Days Sale offers
Diwali offers with Insta EMI Card Croma Diwali Sale with Insta EMI Card
Amazon mobile offers 2025 Amazon fridge offers 2025
Amazon Diwali offer sale 2025 Reliance Digital Diwali offer 2025
Poorvika Mobiles Diwali offers 2025 Sangeetha Mobiles Diwali offers 2025
Amazon Great Indian Festival 2024 How to shop on Amazon without a credit card
Amazon Electronics Sale Flipkart Cooling Days

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 buy mobile phones on EMI?

Yes, you can buy mobile phones on EMI using options like the Bajaj Finserv Insta EMI Card. It allows you to divide the cost of your preferred mobile phone into monthly payments that suit your budget. This makes it an affordable and convenient option, provided you fulfil the necessary eligibility criteria.

Why should you buy a mobile on EMI?

Buying a mobile on EMI lets you split the cost into affordable monthly payments, making premium smartphones more accessible without straining your budget.

How to get mobile on zero down payment?

You can buy a mobile on zero down payment by using the Bajaj Finserv Insta EMI Card at partnered stores and choosing eligible products with zero upfront cost.

Can I buy 2 mobiles on a Bajaj EMI card?

Yes, you can buy 2 mobiles using the Bajaj Finserv Insta EMI Card, provided your card limit covers the total cost of both purchases.

Is it good to buy a phone on EMI?

Yes, buying a phone on EMI is a smart way to manage expenses while still getting access to the latest technology without paying upfront.

How to buy a mobile phone on easy monthly installments?

Use the Bajaj Finserv Insta EMI Card to buy mobiles online or in-store, and repay the cost through easy, customisable monthly EMIs.

What happens if I return the cell phone, I bought with Bajaj Finserv Insta EMI Card?

If you return the phone, the refund process depends on the seller's policy. The EMI will be adjusted or cancelled accordingly.

How to get EMI without credit card?

You can get EMI without a credit card by applying for the Bajaj Finserv Insta EMI Card, which offers flexible repayment options across partner stores.

What is required for an EMI purchase?

You need a valid Insta EMI Card, KYC documents, and a stable income source to complete an EMI purchase at partnered online or offline stores.

Show More Show Less

Related videos