Smartphones have become an essential part of our daily lives. Using a credit card for purchasing a smartphone not only adds convenience but also unlocks rewards, discounts, and flexible EMI options. Below is a list of credit cards offering exclusive benefits on mobile purchases, with validity extending through 2025.

Top Credit Card Offers on Smartphones in 2024–2025

Here are the credit card offers you can consider if you are planning to buy a new phone:

Offer Description

Applicable Credit Cards

Validity

Key Benefits

iPhone Assured Buyback Plan

All ICICI Bank Credit Cards

20th Sep 2024- 31st Dec 2024

  • Pay 75% of the iPhone’s price in 24 EMIs at no extra cost

  • Choose to either exchange your phone for 25% value or pay the final 25% instalment in the 25th month

RealMe Exclusive Discount

All ICICI Bank Credit Cards

Valid till 31st Dec 2024

  • Up to 10% instant discount (up to ₹2,000)

  • Minimum purchase value of ₹6,999

RedMi Special Offer

All ICICI Bank Credit Cards

8th Jul 2024 - 31st Dec 2024

  • Up to ₹10,000 off on Xiaomi smartphones, TVs, and devices

  • Valid on payments made through ICICI Bank Net Banking

OnePlus Easy Upgrade Program

All ICICI Bank Credit Cards

1st Jan 2024 - 31st Mar 2025

  • Pay 65-70% of the device’s cost in 24 EMIs

  • Remaining 30-35% of the amount is payable in the 25th month

  • Assured buyback option via Cashify

Apple Cashback on ICICI Bank Cards

ICICI Coral, Expressions, HPCL, MakeMyTrip Cards

28th Dec 2024

  • Cashback up to ₹5,000 on iPhone 16/16 Plus and ₹4,000 on Pro/Pro Max models

Apple Instant Discount on Axis Cards

Axis Bank MY ZONE, NEO, SELECT Credit Cards

3rd Oct 2024 - 15th Jan 2025

  • Instant discount up to ₹10,000 on Apple products

  • EMI transactions are also eligible

Axis Bank Cashback

Axis Bank MY ZONE, NEO, SELECT Credit Cards

Ongoing

  • Earn 5% cashback on eligible purchases with Axis Bank Credit Cards

Disclaimer: The offers mentioned above may not be valid at the time of checking and are subject to change at the discretion of the issuer.

How to Get These Offers When Buying a Smartphone

Here are the steps you can follow to get the offers, segregated according to the specific plan:

iPhone Assured Buyback Plan:

  1. Visit participating Apple-authorised resellers or large retail stores

  2. Enquire about the Assured Buyback Plan

  3. Use your ICICI Bank credit card to pay

RealMe Exclusive Discount:

  1. Visit www.realme.com/in

  2. Select a smartphone, add to your cart, and proceed to checkout

  3. On the payment page, select ICICI Bank under Net Banking

RedMi Special Offer:

  1. Visit www.mi.com or use the mobile app

  2. Add items to the cart

  3. Pay using ICICI Bank Net Banking credentials

OnePlus Easy Upgrade Program:

  1. Visit OnePlus-authorised reseller stores, Reliance or Croma partner stores, or www.oneplus.in

  2. Choose an eligible device

  3. Use ICICI Bank Credit Card to pay 65-70% in EMIs and opt for assured buyback through Cashify

Apple Cashback on ICICI Bank Cards:

  1. Use ICICI Bank Credit Card, Credit Card EMI, or Debit Card EMI at authorised Apple stores

  2. Cashback is applied automatically

Apple Instant Discount on Axis Cards:

Use Axis Bank Credit Card (including EMI transactions) to make purchases at Apple-owned stores or on https://www.apple.com/in

Axis Bank Cashback:

  1. Use Axis Bank Credit Card for eligible purchases

  2. Cashback is credited to your account per the bank’s policy

Frequently Asked Questions

Which credit card is best to buy a phone?

ICICI Bank and Axis Bank credit cards offer exclusive benefits like discounts, cashback, and EMI options for mobile purchases.

Can we buy a mobile phone using a credit card?

Yes, you can buy a mobile using a credit card with benefits such as EMI plans, discounts, and cashback offers.

Can you use a credit card on mobile?

Yes, credit cards can be used for online mobile purchases or in-store transactions.

What time of the year is best for credit card offers?

The festive season and year-end sales typically feature the best credit card offers for mobiles.

Which credit card is best for mobile shopping?

ICICI Bank and Axis Bank credit cards are some of the ideal payment options for mobile shopping due to their extensive rewards, EMI options, and special discounts.

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