Published Nov 17, 2025 3 min read

Introduction to 4G and 5G

The evolution of mobile connectivity has transformed how we communicate, work, and access information. With technology advancing rapidly, the shift from 4G to 5G represents a major leap in speed, capacity, and user experience. If you are wondering how 5G differs from 4G and what it means for your mobile usage, this guide will break it down comprehensively.

Additionally, we will explore how you can upgrade to a 4G or 5G smartphone effortlessly using the Bajaj Finserv Insta EMI Card.

 

Mobile networks have evolved significantly over the years, with each generation offering improved connectivity and features. While 4G has been the backbone of mobile communication for over a decade, 5G is now emerging as the next big thing.

4G brought high-speed internet to our fingertips, enabling seamless video streaming, online gaming, and faster downloads. On the other hand, 5G promises to revolutionise connectivity with blazing-fast speeds, ultra-low latency, and enhanced capacity.

Understanding the differences between these technologies will help you make an informed decision when choosing your next mobile device.


 

What is 4G?


4G, short for Fourth Generation, is a mobile network technology that succeeded 3G. It provides high-speed internet connectivity, allowing users to stream HD videos, use cloud-based applications, and enjoy faster browsing.

 

Key Features of 4G:

  • Speed: 4G networks offer download speeds of up to 100 Mbps, making it ideal for everyday tasks like streaming and downloading.
  • Latency: With latency ranging between 30-50 milliseconds, 4G provides a relatively smooth user experience.
  • Coverage: 4G networks are widely available across urban and rural areas, ensuring reliable connectivity.
  • Applications: Common uses include video streaming, social media browsing, and online gaming.


 

What is 5G?

5G, or Fifth Generation, is the latest mobile network technology designed to deliver faster speeds, lower latency, and higher capacity. It is a transformative technology that supports advanced applications like augmented reality (AR), virtual reality (VR), and Internet of Things (IoT).

 

Key Features of 5G:

  • Speed: 5G networks can achieve download speeds of up to 10 Gbps, which is 100 times faster than 4G.
  • Latency: With latency as low as 1 millisecond, 5G ensures near-instantaneous response times.
  • Network Capacity: 5G can support millions of connected devices simultaneously, making it ideal for IoT applications.
  • Applications: Advanced use cases include smart cities, autonomous vehicles, and real-time gaming.


 

Pros and Cons of 4G and 5G


Pros and cons of 4G

Pros:

  • Reliable and widely available network.
  • Affordable mobile plans.
  • Suitable for everyday tasks like streaming and browsing.

Cons:

  • Slower speeds compared to 5G.
  • Higher latency affects real-time applications.

 

Pros and cons of 5G

Pros:

  • Exceptional speed and ultra-low latency.
  • Supports advanced technologies like IoT and AR/VR.
  • Energy-efficient design.

Cons:

  • Limited availability in rural areas.
  • Higher costs for devices and plans.

Which one should you choose? – 4G vs 5G


Choosing between 4G and 5G depends on your specific needs and location. If you require basic connectivity and live in an area with limited 5G coverage, 4G is a reliable option. However, if you are looking for cutting-edge speed and advanced applications, upgrading to 5G is worth considering.


 

How to buy 4G and 5G mobile with Insta EMI Card


Upgrading to a 4G or 5G mobile is now easier than ever with the Bajaj Finserv Insta EMI Card. This flexible financing tool lets you convert your purchases into affordable EMIs, making high-value purchases stress-free.

 

Features of Bajaj Finserv Insta EMI Card:

  • Instant approval and pre-qualified card loan amount of up to Rs. 3 lakh (eligibility-based).
  • Flexible repayment tenure ranging from 3 to 60 months.
  • Supports purchases across categories including electronics, mobiles, travel bookings, and more.

 

How to apply for the Insta EMI Card:

  1. Visit the Bajaj Finserv website or app: Enter your mobile number.
  2. Verify details: Complete verification using OTP.
  3. Confirm KYC: Provide necessary documents for KYC verification.
  4. Pay a one-time fee: Rs. 530/- (inclusive of taxes).
  5. Access your card online: Start shopping smartly with the Insta EMI Card.

 

Benefits for mobile purchases:

  • Convert purchases into affordable EMIs.
  • Shop at partner stores like Amazon, Flipkart, and Croma with zero down payment.
  • Flexible tenures and easy repayment options.

 

Enjoy big discounts on Flipkart and Amazon while paying conveniently using your Insta EMI Card.


Conclusion


Whether you are upgrading to a 4G or 5G smartphone, understanding the key differences between these technologies is crucial. While 4G remains reliable for everyday use, 5G offers unmatched speed and advanced capabilities.

With the Bajaj Finserv Insta EMI Card, you can upgrade to your desired mobile effortlessly, converting your purchase into affordable EMIs. Get started today and enjoy flexible financing for your next smartphone!


Apply for your Bajaj Finserv Insta EMI Card now and shop at 1.5 lakh+ partner stores with ease!


 

Your Requirement

Frequently asked questions

Is 5G significantly faster than 4G?

Yes, 5G is significantly faster than 4G, offering speeds up to 10 Gbps compared to 4G’s 100 Mbps. This makes 5G ideal for high-speed applications like streaming and gaming.

 

Does 5G consume more battery than 4G?

While 5G is faster, it can consume slightly more battery due to higher processing requirements. However, its energy-efficient design helps mitigate battery drain.

 


 

Can I use a 5G SIM in a 4G phone?

Yes, 5G SIMs are backward compatible. They work in 4G phones but will only provide 4G connectivity.

 

How to buy with Insta EMI Card?

To buy a 4G or 5G mobile, simply apply for the Bajaj Finserv Insta EMI Card online, complete KYC, and start shopping at partner stores with flexible EMIs.

 

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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 card loan amount on the app. Explore over 1 million products on the app that can be purchased from a partner store on Low Cost 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.

Disclaimer

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