Croma Gurgaon: Shop Mobile Phones, Laptops, and Gadgets Using the Insta EMI Card

Croma Gurgaon is part of Croma, the Tata Group's electronics retail chain. Its stores let you see and try phones, laptops, tablets, and smart gadgets from many brands in one place. Staff explain the differences, and the partner store arranges delivery for bigger items. You go home sure of what you picked.

You can also shop on Easy EMIs at Croma Gurgaon with the Bajaj Finance Insta EMI Card. It lets you take your product home today and repay across 3 to 60 months, so even a premium laptop fits into your monthly budget.

Croma Gurgaon makes buying electronics simple in a busy city. Here is why many shoppers choose it:

• A store near you: With 10 stores, there is one close to most homes and offices, from Old Delhi Road in Sector 12 to Sector 86 in New Gurugram.
• Open after office hours: All stores stay open until 9:30 PM, so you can shop after work.
• Shop while you are out: Stores in Ambience Mall and DLF Mega Mall let you combine shopping with a family outing.
• Try before you buy: You can test a laptop keyboard or compare two phone cameras side by side.
• Tata trust: The Tata name gives many buyers confidence in billing and after-sales help.

→ Key takeaway: Diwali is on 8 November 2026, and festive offers are live now. Waiting months to save the full price means missing them, so the Bajaj Finance Insta EMI Card lets you buy today and pay monthly.

Croma Gurgaon stocks devices for work, study, and home. Here is what you can shop for:

• Mobile phones: Phones from Apple, Samsung, OPPO, and OnePlus, from the Rs. 42,999 OnePlus Nord 6 to the Rs. 1,64,900 iPhone 18 Pro.
• Laptops: Laptops from Dell, HP, ASUS, and Apple, from 13-inch models for travel to 15.6-inch models for home use.
• Tablets: Tablets such as the Apple iPad, useful for meetings, notes, and children's lessons.
• Televisions: Smart TVs in sizes from 32-inch for a bedroom to 65-inch for the living room.
• Home needs: Home appliances such as air conditioners, refrigerators, and washing machines, for when you move into a new flat.
• Gadgets and accessories: Smartwatches, earbuds and other audio devices, and chargers. These often cost less than Rs. 5,000, so buy them with a bigger product to cross the minimum bill for Easy EMIs.

You can pay the full amount upfront, or you can spread the cost with the Bajaj Finance Insta EMI Card. It splits your bill into monthly instalments across 3 to 60 months, so your savings stay in place.

The table below shows how the monthly amount changes with the tenure, using the Rs. 79,999 Dell XPS 13 as an example.

Disclaimer: These are indicative figures based on a simple division of the product price across the tenure shown, with no interest, processing fee, or other charges factored in. Your actual EMI amount will depend on the terms of your card loan offer.

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, enough for a flagship phone and a laptop on one bill.
• A repayment tenure across 3 to 60 months, so you can pick a monthly amount that suits you.
• Use at over 1.5 lakh partner stores across more than 4,000 cities in India, including Croma.
• 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, laptop, or gadget easily and affordably.

Easy EMIs change which device you can take home from Croma Gurgaon. Here is how they help:

• A work-from-home setup: Buy the Rs. 79,999 Dell XPS 13 and the Rs. 42,999 OnePlus Nord 6 together, for Rs. 1,22,998, and repay over 24 months at about Rs. 5,125 a month.
• A flagship at a smaller monthly amount: The Rs. 1,64,900 iPhone 18 Pro comes to about Rs. 6,871 a month over 24 months.
• A laptop for a student: The Rs. 50,990 ASUS Vivobook 15 comes to about Rs. 4,249 a month over 12 months.
• Zero down payment: This is available on select products and during festive season offers.
• No credit card needed: The Insta EMI Card is a card loan, so you can shop on Easy EMIs without a credit card.

These are indicative figures based on a simple division of the product price across the tenure shown, with no interest, processing fee, or other charges factored in. Your actual EMI amount will depend on the terms of your card loan offer.

→ Verdict: With 10 stores open until 9:30 PM, Croma is easy to reach from almost any part of Gurugram. With the Insta EMI Card, you can take your device home today and pay for it gradually.

Applying for the Bajaj Finance Insta EMI Card takes only a few minutes online and does not need any physical paperwork. Follow these steps to apply.

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 any Croma partner store in Gurugram. Paying takes only a few minutes at the billing counter. Here is how:

1. Browse and select your phone, laptop, or gadget at a Croma partner store.
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 device home.

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: 19 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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