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Buy the latest iPhone on EMI with the Bajaj Finance Insta EMI Card. Apply now and get access to the EMI facility that lets you repay across a specific tenure.
Last updated on: Aug 07, 2026
Owning a premium Apple device is now more accessible than ever. With the launch of the cutting-edge iPhone 17 series and the powerful iPhone 16 lineup, tech enthusiasts can upgrade their lifestyle without straining their finances. By leveraging the Bajaj Finance Insta EMI Card, you can bring home the latest iOS innovation today and spread the cost over a flexible tenure. Whether it is the titanium-built Pro models or the vibrant base variants, the dream of owning an iPhone is just an EMI away.
Ever since its introduction in 2007, Apple’s iPhone has remained at the pinnacle of mobile technology, symbolising innovation and sophistication. With Apple launching newer models annually featuring superior bionic chips and advanced camera systems, staying updated is easier with flexible financing.
You can purchase your preferred iPhone through both online and offline channels. For a hands-on experience, visit offline Bajaj Finserv partner stores including Croma, Reliance Digital, and Apple Authorised Resellers. If you prefer online shopping, you can use the Insta EMI Card on major e-commerce platforms like Amazon and Flipkart. These partner channels allow you to convert the total cost into easy monthly installments, often with zero down payment options, eliminating the need for a credit card.
The Bajaj Finance Insta EMI Card offers a pre-approved limit of up to ₹3 Lakhs. While the iPhone 15 was previously a top choice at ₹79,600, the market has evolved with the latest iPhone 16 and iPhone 17 series (launched September 2025).
Below are the latest models and their key specifications:
Phone Variant |
Display |
Processor |
Rear Camera |
Battery Life |
Price (Starting) |
EMI Starts From |
iPhone 16 |
6.3-inch Super Retina XDR |
A18 Chip |
48MP + 12MP Ultra Wide |
Up to 22 hours video |
₹79,900 |
₹3,329/mo |
iPhone 16 Pro Max |
6.9-inch Super Retina XDR |
A18 Pro Chip |
48MP + 48MP + 12MP |
Up to 33 hours video |
₹1,44,900 |
₹6,038/mo |
iPhone 17 |
6.3-inch LTPO OLED |
A19 Chip |
48MP + 24MP Ultra Wide |
Up to 24 hours video |
₹82,900 |
₹3,454/mo |
iPhone 17 Pro Max |
6.9-inch LTPO OLED |
A19 Pro Chip |
48MP + 48MP + 48MP |
Up to 35 hours video |
₹1,69,900 |
₹6,663/mo |
Disclaimer: Please note that the prices and details mentioned above are only indicative. The products’ prices and/or availability are subject to change without prior notice.
Understanding your monthly outgo is crucial for financial planning. Unlike traditional loans, the Insta EMI Card often provides an "Easy" benefit, meaning you only pay the product price divided by the tenure.
Here is a breakdown of estimated monthly payments for the latest models:
| iPhone Model | Total Price | 6 Months EMI | 12 Months EMI | 24 Months EMI |
|---|---|---|---|---|
iPhone 16 |
₹67,900 – ₹79,900 |
₹2,717 – ₹4,383 |
₹6,129 (approx.) |
₹3,325 (approx.) |
iPhone 16 Pro Max |
₹1,24,900 – ₹1,34,900 |
- |
₹12,176 (approx.) |
₹6,414 (approx.) |
iPhone 17 |
₹75,900 – ₹82,900 |
- |
₹4,742 - ₹7,483 |
₹2,371 – ₹4,060 |
iPhone 17 Pro |
₹1,32,900 – ₹1,34,900 |
₹21,484 (approx.) |
₹7,992 – ₹11,996 |
₹6,381 – ₹6,508 |
Disclaimer: The above amounts are indicative. The actual total payable amounts may vary depending on active e-commerce discounts, partner bank promotional offers, and processing fees applied at checkout.
To qualify for the EMI card and purchase your iPhone, you must fulfill the following criteria:
Nationality: Must be an Indian resident.
Age: Between 19 and 70 years old.
Income: Must have a regular source of income.
Credit Score: A healthy credit score (750+) is preferred.
You must have the following documents ready before applying for the Bajaj Finserv EMI Network Card:
PAN Card
Aadhaar Card (for identity and address verification)
Bank Account Details & IFSC (for e-mandate registration)
Cancelled Cheque (if requested at offline stores)
Follow these simple steps to bring home your new iPhone:
Visit a Bajaj Finserv partner store (online or offline).
Select your preferred iPhone model (e.g., iPhone 17 Pro).
Choose the Insta EMI Card as your payment mode.
Select a repayment tenure that suits your budget.
Provide your card details or registered mobile number to the executive.
Enter the OTP received on your phone to complete the transaction.
The Bajaj Finance Insta EMI Card simplifies purchasing premium electronics by providing structured financing with minimal upfront stress and flexible repayment options:
Zero Down Payment: Own the latest iPhone 17 without any immediate upfront cost on select models.
Flexible Tenures: Choose a repayment schedule ranging from 1 to 60 months.
60-Month Easy EMI: Available on select iPhone models to make high-end Pro Max versions highly affordable.
No Foreclosure Charges: Pay off your total loan amount anytime after the 1st EMI without extra fees.
Massive Network: Accepted at over 1.5 lakh partner stores across 4,000+ cities.
High Credit Limit: Get a pre-approved limit of up to ₹3 Lakhs to cover multiple gadgets.
60‑month Easy EMI on select models: You can stretch your purchase over 24 months with zero interest on eligible iPhone variants, lowering the effective monthly burden while keeping the total cost in line with the original price.
Zero foreclosure charges after 1st EMI: You can prepay or close the remaining EMI balance anytime after the first instalment without any extra foreclosure or penalty fees, giving you full flexibility if you get extra funds.
Reviewer
You can make use of the Bajaj Finance Insta EMI Card to get a pre-qualified card loan limit and make payments for an iPhone in monthly instalments.
The EMI on an iPhone will depend on the cost of the device and the repayment tenor you choose at the time of purchase. Also, if you opt for the benefit of easy EMI on your iPhone using your Bajaj Finance Insta EMI Card, the charges will be different.
Yes, you can buy an iPhone and pay back on a monthly basis using your Bajaj Finance Insta EMI Card.
EMI facility is available for iPhones. Simply apply for the Bajaj Finance Insta EMI Card and purchase your favourite model using the card. Repay the borrowed amount over a tenor extending up to 60 months.
Yes, most iPhone models are equipped with 5G-capable chipsets and modems, allowing them to connect to 5G networks for faster data speeds.
The baseline price for the iPhone 17 Pro typically ranges between ₹1,32,900 and ₹1,34,900 across various e-commerce platforms. Depending on your lender and eligibility, a standard 6-month Easy EMI plan can be about ₹22,483 per month. For longer repayment terms, a 24-month Easy EMI structure breaks down to approximately ₹6,381 – ₹6,508 per month.
Yes, 24-month Easy EMI options are widely available through the Bajaj Finance Insta EMI Card at eligible partner retail channels and e-commerce platforms, at about ₹6,414 per month. Certain e-commerce networks may also provide "iPhone for Life" upgrades or structured bank partner programs that alter monthly outgoings.
Yes, zero down payment schemes are offered by many Bajaj Finserv partner stores and major retailers like Reliance Digital for the iPhone 17 series. This allows you to walk out with the device without any upfront payment, provided you meet the eligibility criteria for the loan.
Absolutely. Platforms like Bajaj Mall, Cashify, and Amazon offer refurbished iPhones (such as the iPhone 13 or 14) on easy EMI. These devices are much more affordable and can be split into flexible monthly installments.
You can buy an iPhone online without a credit card using:
Bajaj Finance Insta EMI Card: Select this at checkout on Amazon or Flipkart.
Debit Card EMI: Available for eligible customers of major banks like HDFC, ICICI, and Axis.
The base iPhone 17 is priced starting at about ₹75,900. The series also includes the new iPhone 17 Air (approx. ₹94,990), the iPhone 17 Pro (₹1,34,900), and the iPhone 17 Pro Max (starting at ₹1,49,900).
For the iPhone 16 Pro (starting at ₹1,19,900), the EMI breakdown is generally:
6 Months: ~₹19,983/month
12 Months: ~₹9,992/month
24 Months: ~₹4,996/month
Based on a starting price of ₹1,34,900, a 24-month Easy EMI would be approximately ₹5,621 per month. If you choose a standard EMI with interest, the amount may vary depending on the annual interest rate (typically 13%–16%).
The minimum monthly installment generally ranges from ₹2,500 to ₹6,500, depending heavily on the chosen iPhone model, retail variant, and active repayment plan. Opting for longer repayment tenures typically reduces your monthly payments, though the exact figures fluctuate based on retailer platform promotions and lender terms at checkout.
You can opt for alternative digital financing solutions like the Bajaj Finance Insta EMI Card, which offers a pre-approved credit limit for multi-month installment purchases. Additionally, check your eligibility for debit card EMI plans through major retail banking networks or secure consumer loan applications offered directly at merchant checkout portals.
Most structured retail loan accounts may permit consumers to clear their outstanding balance ahead of schedule. While select non-banking financial institutions or specific digital EMI cards can waive foreclosure penalties after the collection of your initial installment, others may levy a slight prepayment fee calculated on the principal remainder.
A standard no-cost plan divides the direct baseline product price equally over the chosen months without interest additions. However, the total invoice may reflect minor administrative costs, such as nominal one-time processing fees, gateway convenience charges, or state-specific upfront operational levies applied by the card issuer during transactions.
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