Latest Mobile Phones on EMI: Top Brands and Best Deals

Your phone handles UPI payments, office calls, online classes, and family video chats every day. Mobile phone offers let you buy a faster, better phone for the same money, or the same phone for much less. A good deal can mean a sharper camera for family functions, a battery that lasts a full workday, or 5G for faster downloads.

Here is why it pays to wait for mobile discount offers:

• Flagships at mid-range prices: The Samsung Galaxy S25 Ultra sold for Rs. 84,999 on Amazon, Rs. 45,000 below its launch price.
• A higher model for the same budget: The Samsung Galaxy A56 5G dropped to Rs. 31,999 from a Rs. 41,999 launch price, so mid-range buyers could step up a level.
• Extra savings on top of the sale price: Coupons and exchange offers can cut the final price further on many models.
• Choice online and in person: You can shop on Amazon and Flipkart, or try phones in hand at partner stores such as Croma, Reliance Digital, and Vijay Sales.
• Launch prices on new phones: Brands often price new models lower in their first week of sales.

→ Key takeaway: The best mobile offers often sell out within days, before you have saved up the full price. With Easy EMIs on the Insta EMI Card, you can buy at the offer price and pay in monthly instalments.

To be ready before the next big deal goes live, check your Insta EMI Card eligibility using your mobile number and OTP. Once you know your card loan offer, you can buy the moment your chosen phone drops in price.

The best mobile phone offers come at a few key times of the year, both online and at partner stores. If you know when they happen, you can plan your purchase instead of paying full price. Here are the dates to watch:

• Flipkart Big Billion Days, usually late September or October: This sale brings some of the deepest cuts on Samsung, Google, and POCO phones. In 2026, it runs from 9th to 18th October, 2026.
• Amazon Great Indian Festival, usually October: This is the time for big savings on Samsung foldables and Amazon-first brands such as iQOO. The 2026 edition began on 8th October, 2026.
• Diwali offers at partner stores, October to early November: Croma, Reliance Digital, and Vijay Sales run festive offers, and you can try a phone in hand before you buy. Diwali falls on 8th November, 2026.
• Republic Day sales, usually around 26th January: Older models often get clearance prices as new phones arrive.
• Amazon Prime Day, usually July: Prime members get two days of deals, often with new launches at special prices.
• Launch weeks, all year round: New phones often come with introductory offers in their first week of sales.

→ Pro tip: Add your chosen phone to your wishlist on Amazon or Flipkart a few days before a sale. You will see the price change as soon as the sale goes live.

The best offer on a mobile is only a good deal if the phone suits the way you use it. Before you buy, keep these points in mind:

• Check the real saving: Compare the offer price with the launch price, not just the “% off” label.
• Pick the right variant: Choose at least 128GB of storage if you shoot a lot of photos and videos of family events.
• Look at software support: Samsung offers up to 7 years of updates on its Galaxy S series, which keeps a phone safe and useful for longer.
• Know your exchange value: Your old phone’s value depends on its model and condition, so check it before you count on it.
• Compare online and in-store prices: The same phone can cost a little more or less at a partner store than on Amazon or Flipkart.
• Plan your payment: You can pay the full amount, or you can pay in monthly instalments with the Insta EMI Card to manage the expense.

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 the card offers:

• A card loan offer of up to Rs. 6 lakh, which covers even a foldable such as the Galaxy Z Fold7.
• A repayment tenure across 3 to 60 months, so you can pick a monthly amount that suits you.
• A card you can use on Amazon and Flipkart, and at over 1.5 lakh partner stores across more than 4,000 cities.
• 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 mobile phone easily and affordably.

*Inclusive of applicable taxes.

Easy EMIs let you pair the best mobile phone offers with a monthly plan that fits your budget. Here is how they help:

• A flagship for a monthly amount: At Rs. 69,999, the Samsung Galaxy S25 Edge comes to about Rs. 5,833 a month over 12 months*.
• A great camera phone without a big bill: At Rs. 39,999, the Google Pixel 10a comes to about Rs. 3,333 a month over 12 months*.
• A budget 5G phone made lighter: At Rs. 15,499, the iQOO Z11 Lite 5G comes to about Rs. 1,292 a month over 12 months*.
• Nothing to pay upfront on select phones: Zero down payment is available on select products and during festive season offers.
• No credit card needed: You confirm each purchase with an OTP sent to your registered mobile number.

*EMIs are indicative.

→ Verdict: Big sales and festive offers are the best times to buy a new phone in India. Compare the real saving, pick the right variant, and use the Insta EMI Card to pay in monthly instalments.

You can apply for the Bajaj Finance Insta EMI Card online, with no 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.

Also read: How to apply for the Insta EMI Card

You can use the Bajaj Finance Insta EMI Card at a partner store or online. Both take only a few minutes.

At a partner store

1. Browse and select the mobile phone you want to buy.
2. At checkout, ask the partner store executive to process payment using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate using the OTP sent to your registered mobile number.
6. Your purchase is approved. Take your phone home.

Online on Amazon or Flipkart

1. Add the mobile phone 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.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better.

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.

Also read: Features and benefits of the Bajaj Finance 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:

List of the biggest upcoming sales: