iPhone 16 on EMIs

Discover the power of the A18 chip on the iPhone 16 and manage your budget with the Insta EMI Card for affordable Easy EMIs.
iPhone 16 on EMIs
3 min
Oct 19, 2026

Overview of the iPhone 16

The iPhone 16 introduces the powerful A18 chip, which enhances performance for everyday tasks and advanced photography. This model features a durable aluminium design and a vibrant Super Retina XDR display that offers incredible clarity and brightness. You can capture professional-quality images with the 48 MP fusion camera and enjoy the new physical camera control button. 

By using the Bajaj Finance Insta EMI Card, you can purchase this flagship device through Easy EMIs. This financial tool provides a convenient card loan offer to help you manage your budget efficiently.
 

Key features and specifications of the iPhone 16

This smartphone balances cutting-edge technology with a user-friendly interface to provide a superior mobile experience. It offers significant upgrades in processing power and camera functionality compared to its predecessors.

  • Advanced A18 chip: The latest 3 nm processor delivers faster performance and improved efficiency, making multitasking and gaming smoother than ever before.
  • Camera control button: This new physical interface allows you to launch the camera, adjust settings, and take photos with a simple tactile slide and press.
  • Super Retina XDR display: The 6.1-inch OLED screen supports HDR10 and Dolby Vision, reaching a peak brightness of 2,000 nits for perfect visibility outdoors.
  • Action button: You can customise this versatile button to quickly open your favourite app, turn on the flashlight, or record a voice memo.
  • Apple intelligence support: The hardware is built to handle advanced AI tasks, providing you with smarter writing tools and a more intuitive user experience.
FeatureSpecification
ProcessorApple A18 chip (3 nm)
Display size15.49 cm (6.1-inch)
Resolution1179 x 2556 pixel
RAM8GB RAM
Main camera48 MP (Wide) + 12 MP (Ultrawide)
Battery capacity3,561 mAh
Weight170 g

Price of the iPhone 16 variants in India

The cost of the iPhone 16 varies based on the internal storage capacity you choose. Each variant features the same high-speed A18 processor and impressive dual-camera system for your needs.

Variant nameWhy should you get thisPrice
iPhone 16 (128GB)This variant serves as an ideal entry point for users who rely on cloud storage for their media.Rs. 79,900
iPhone 16 (256GB)Choose this model if you prefer keeping a large library of offline apps and high-resolution videos.Rs. 89,900
iPhone 16 (512GB)This version is perfect for power users and creators who require maximum local storage for 4K content.Rs. 1,09,900

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 Finance Insta EMI Card?

The Bajaj Finance Insta EMI Card is a digital payment tool that offers a pre-approved card loan offer for your shopping needs. You can use this card to convert the cost of premium smartphones and electronics into Easy EMIs. It works across a vast network of over 1.5 lakh partner stores in India, including major retail chains and online platforms. The card requires no physical documentation for existing members and allows you to choose flexible repayment tenures. It makes owning the latest iPhone affordable by spreading the cost over several months.

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 16 on EMIs

Purchasing your new iPhone 16 using your digital card is a quick and seamless process. You can complete the entire transaction at an authorised retail partner by following these simple, actionable steps.

  • Visit a partner store: Locate a nearby electronics retailer that accepts the Insta EMI Card and select your preferred iPhone 16 colour and storage.
  • Provide card details: Inform the store representative that you wish to use your card loan offer and share your card number and mobile number.
  • Select your tenure: Choose a repayment tenure that suits your monthly financial plan and authorise the secure transaction using the OTP sent to your phone.

 
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 Finance Insta EMI Card


Eligibility criteria for the Insta EMI Card

  • 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: 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 Finance application after the successful payment.
      

Also read: How to apply for the Insta EMI Card

Frequently asked questions

What is the price of the iPhone 16 in India?

The starting price for the iPhone 16 in India is Rs. 79,900 for the 128GB model. The 256GB variant costs Rs. 89,900, while the 512GB version is priced at Rs. 1,09,900. These prices reflect the latest hardware improvements and the new A18 chipset.

What is the difference between the iPhone 15 and 16?

The iPhone 16 features the more powerful A18 chip, whereas the iPhone 15 uses the A16 Bionic. Additionally, the iPhone 16 introduces the camera control button and the action button. It also supports Apple Intelligence features which are not fully compatible with the base iPhone 15 model.

What are the new features of the iPhone 16?

The iPhone 16 introduces a dedicated camera control button for easier photography and a customisable action button. It also features a more durable Ceramic Shield and the A18 processor. The device supports spatial photo and video capture, which you can view on advanced headsets.

Is the iPhone 16 worth the upgrade?

If you use an older device, the iPhone 16 offers a significant boost in speed, camera quality, and battery life. The addition of the action button and camera control makes the device more functional. It is a future-proof choice that will support upcoming AI software updates for years.

Which stores offer the best EMI deals on the iPhone 16?

You can find excellent EMI offers at major electronics retailers across India that partner with Bajaj Finance. These stores allow you to use your Bajaj Finance Insta EMI Card to access Easy EMIs. Always check with your local authorised dealer for the most current promotional offers and repayment schemes.

What is the lowest price of the iPhone 16 in India right now?

The official starting price is Rs. 79,900, but you may find lower effective prices through bank cashback offers or exchange bonuses. Partner stores often provide specific discounts when you use your Bajaj Finance Insta EMI Card. This helps reduce the initial financial burden of purchasing a new flagship smartphone.

Is the iPhone 16 good for gaming and heavy usage?

The iPhone 16 is excellent for gaming thanks to the A18 chip and its 5-core GPU. It handles graphically intensive titles with high frame rates and minimal lag. The improved internal design also helps manage heat more effectively during long sessions of heavy usage or video editing.

How many years of software updates will the iPhone 16 get?

Apple typically provides software updates for its flagship devices for six to seven years. This means your iPhone 16 will likely receive the latest iOS versions and security patches until at least 2030 or 2031. This long-term support ensures your device remains secure and stays up to date.

Show more Show less

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. 
  • Explore and apply for co-branded credit cards online. 
  • 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-approved 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.

Do more with the Bajaj Finance App!

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

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 IVR: 7757000000