Samsung Mobile Phones on EMIs — No Credit Card Needed

Samsung mobile phones have moved from basic calling devices to all-in-one tools for work, payments and entertainment. Today, a Samsung phone handles UPI payments, video calls, online classes and 4K video. Even budget models now offer 5G, AMOLED screens and years of software updates, so your phone stays useful for longer.

Here is why a Samsung phone is worth buying:

• Years of software updates: Models such as the Galaxy A27 5G and Galaxy M47 5G get up to 6 major OS updates, so you can keep your phone for longer.
• A phone for every budget: Samsung sells phones from about Rs. 20,000 to over Rs. 1.7 lakh, so you can choose what fits your needs.
• Bright AMOLED screens: Most Galaxy A, M, F and S phones use AMOLED displays for richer colours in videos and photos.
• Wide service network: Samsung’s service centres across India make repairs and support easier to find.
• Works with your other Galaxy devices: Your phone connects easily with Galaxy tablets, watches, earbuds and Samsung TVs.

You can pay the full price at once, or buy a Samsung mobile on EMI with the Bajaj Finance Insta EMI Card and spread the cost across 3 to 60 months. This makes even a premium Galaxy phone easier to fit into your monthly budget.

Before you choose your phone, check your Insta EMI Card eligibility using your mobile number and OTP. You will know your card loan offer before you buy.

Samsung sells its phones in 5 main Galaxy series, and each one suits a different kind of user. Here is how they differ, so you can find the right one:

• Galaxy S series: These are Samsung’s flagship phones, with top cameras and Galaxy AI features. The Galaxy S26 starts at Rs. 87,999.
• Galaxy Z series: These foldable phones open into a bigger screen or fold into a pocket-sized square. Options include the Galaxy Z Fold8, the Galaxy Z Fold8 Ultra and the compact Galaxy Z Flip8.
• Galaxy A series: These balanced mid-range phones suit families and young professionals. The Galaxy A27 5G offers a 120Hz AMOLED screen and up to 6 OS updates.
• Galaxy M series: These phones focus on big batteries and value. The Galaxy M47 5G has a 6,000 mAh battery and 45 W charging.
• Galaxy F series: These phones offer strong specs at sharp prices, such as the Galaxy F70 Pro 5G and the Galaxy F17 5G.

→ Pro tip: If you keep your phone for 4 years or more, check how many OS updates a model gets before you buy.

The right Samsung phone depends on how much you want to spend each month and how you use your phone. Use these simple guides:

• Under Rs. 1,100 a month: The Galaxy A07 5G and Galaxy F17 5G suit calls, WhatsApp, UPI and YouTube.
• About Rs. 900 to Rs. 1,100 a month over 36 months: The Galaxy F70 Pro 5G, Galaxy A27 5G and Galaxy M47 5G give you AMOLED screens, better cameras and longer updates.
• About Rs. 2,400 to Rs. 3,900 a month: The Galaxy S26, S26+ and S26 Ultra suit professionals who want top cameras and performance.
• About Rs. 4,900 a month or more: The Galaxy Z Fold8 suits people who want a large folding screen for work and reading.

→ Key takeaway: A longer tenure lowers your monthly EMI. This can make a Galaxy S26 cost less per month than you might expect.

A smartphone is something you use every day, so it helps to think beyond the price. Check these points before you buy:

• Software support: More OS updates mean new features and security fixes for longer. This matters if you keep phones for 4 to 5 years.
• Battery and charging: Heavy users should look for 6,000 mAh batteries and 45 W charging, as on the Galaxy M47 5G.
• Storage: Choose 256GB if you shoot lots of videos, especially on S series phones that do not have a microSD slot.
• Camera needs: If photos matter most, the Galaxy S26 Ultra offers Samsung’s best zoom and low-light performance.
• Galaxy ecosystem: Your phone works smoothly with Samsung tablets, Galaxy watches and Samsung TVs for sharing files and screens.

You can pay the full price of your Samsung phone at once. You can also pay with the Bajaj Finance Insta EMI Card and spread the cost across 3 to 60 months. The right choice depends on your monthly budget.

Easy EMIs help most when you want a better phone than your savings allow today. You pay a fixed amount every month and keep your cash for rent, bills and emergencies.

→ Real-world example: Kavya, a 29-year-old chartered accountant in Hyderabad, wanted a phone with a great camera for client meetings and family events. She bought the Samsung Galaxy S26 (12GB/256GB) for Rs. 87,999 and chose 36 months. She pays about Rs. 2,444 a month*.

*EMIs are indicative.

Kavya could have chosen a different tenure. The table below shows how her Rs. 87,999 Galaxy S26 works out across repayment tenures:

Disclaimer: EMIs are indicative and are calculated by dividing the product price by the tenure. Actual EMIs may differ based on the offer, applicable interest and charges.

→ Pro tip: Choose an EMI date a few days after your salary arrives. This way, the amount is always in your account on time.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you buy products on Easy EMIs. It is not a credit card, so you can buy a Samsung phone on EMI without a credit card. You can use it online or at partner stores and repay in fixed monthly amounts.

The card suits planned purchases, such as a new smartphone for work or college. Here are its key features:

• A pre-qualified card loan offer of up to Rs. 6 lakh.
• A repayment tenure you choose across 3 to 60 months.
• 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.
• A zero down payment facility on select products and during festive season offers.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If you are eligible, you can apply instantly and start shopping for your preferred Samsung mobile phone easily and affordably.

*Inclusive of applicable taxes.

Easy EMIs do more than lower your monthly payment. Here is how they help you get a better Samsung phone:

• Move up a series for a small amount: Choosing the Rs. 35,999 Galaxy A27 5G over the Rs. 32,999 Galaxy F70 Pro 5G adds only about Rs. 83 a month over 36 months*.
• No credit card needed: The Insta EMI Card is a pre-qualified card loan, so you can buy a phone on EMI without one.
• Zero down payment on select products: During festive season offers, eligible phones can go home with nothing paid upfront.
• Add accessories to the same bill: You can add Galaxy Buds, a Galaxy Watch or a charger and repay the total every month.
• Keep your savings free: A fixed EMI leaves your cash available for travel, fees or emergencies.

*EMIs are indicative.
 

→ Verdict: Whether you want a budget 5G phone or a flagship, Samsung mobiles on Easy EMIs start at about Rs. 833 a month.

You can apply for the Bajaj Finance Insta EMI Card online with your PAN, Aadhaar and registered mobile number. Follow these steps before you buy your Samsung phone:

1. Enter your 10-digit mobile number and click on ‘GET IT NOW’ 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 ‘CONTINUE’.
5. Check your pre-qualified card loan offer amount and click ‘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 Insta EMI Card at a partner store or online. Follow the steps below for the way you prefer to shop.

At a partner store

Paying at a partner store, such as Croma, Reliance Digital or Vijay Sales, takes under 5 minutes. Follow these steps at the billing counter:

1. Choose your Samsung phone at the partner store.
2. At checkout, ask the store executive to process the payment through 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, and you can take your phone home.

Online on Amazon or Flipkart

Paying online takes only a few steps at checkout. Follow these steps to pay in Easy EMIs:

1. Add your Samsung 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 your preferred repayment tenure across 3 to 60 months.
5. Confirm using the OTP sent to your registered mobile number.
6. Your order is placed, and 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. This helps 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

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