Shop for the latest Mi mobile phones on Easy EMI without a credit card.
Last updated on: Nov 04, 2026
Mi mobile phones can be purchased on Easy EMI using the Bajaj Finance Insta EMI Card, which does not require a credit card. The card comes with a pre-approved loan offer of up to ₹3 Lakhs, and this amount can be used to buy over a million products from 1.5 Lakh partner sellers across 4,000 Indian cities. Choosing a Mi mobile on EMI allows the cost of the handset to be spread across a repayment tenure of 3 to 60 months.
Mi mobile models currently available in India span the budget-friendly Redmi Note series through to the flagship Xiaomi 17, with a range of display sizes, camera set-ups, processors and battery capacities.
The table below summarises the key specifications of some popular models that can be purchased on EMI.
| Model | Display | Camera | Processor | Battery |
|---|---|---|---|---|
Redmi Note 17 5G |
6.99-inch AMOLED |
50MP |
Snapdragon 4 Gen 4 |
8,000 mAh |
Redmi Note 17 Pro 5G |
6.83-inch AMOLED |
50MP + 2MP |
Snapdragon 6s Gen 4 |
9,000 mAh |
Redmi Turbo 5 |
6.59-inch AMOLED |
50MP + 8MP |
Dimensity 8500 Ultra |
7,540 mAh |
Xiaomi 17 |
6.3-inch AMOLED |
50MP triple camera |
Snapdragon 8 Elite Gen 5 |
7,000 mAh |
Each of these Mi mobile models serves a different type of user. The Redmi Note 17 5G and Redmi Note 17 Pro 5G focus on large batteries and long screen-on time, which suits everyday use and media consumption. The Redmi Turbo 5 pairs a high-refresh AMOLED panel with a performance-oriented chipset for gaming and multitasking. The Xiaomi 17 sits at the premium end, with a compact display, a triple-camera system and a flagship-grade processor.
Since the pre-approved loan offer on the Insta EMI Card goes up to ₹3 Lakhs, any of these handsets, along with accessories such as cases, chargers or earbuds, can be converted into monthly instalments at a partner store or on a partner e-commerce platform.
Disclaimer: Product specifications, availability and prices may vary by location and over time. Refer to the official brand website or a partner store for the latest details.
Buying a Mi mobile on EMI with the Insta EMI Card can be done either online or at a partner store, and both routes are completed using an OTP sent to the registered mobile number.
Online purchase
Step 1: Visit a Bajaj Finance EMI Network partner e-commerce website of your choice
Step 2: Choose a Mi mobile phone and add it to the cart
Step 3: Review the details and proceed to checkout
Step 4: Select the Insta EMI Card as the payment method
Step 5: Choose a repayment tenure that suits your monthly budget
Step 6: Validate the request by entering the OTP sent to your registered mobile number
The order is placed once the OTP is verified, and the EMI deduction begins from the next billing cycle.
At a partner store
Select and inform: Choose the Mi mobile at any partner store and let the store executive know that you wish to pay using the Insta EMI Card
Share details: Provide your registered mobile number and card details, then pick a repayment tenure
Authenticate: Confirm the purchase with the OTP sent to your registered mobile number
The table below summarises the key features and applicable terms for purchasing a Mi mobile phone using the Insta EMI Card:
| Feature | Detail |
|---|---|
High loan amount |
A pre-approved loan offer of up to ₹3 Lakhs, which can cover a Mi mobile as well as any accessories in the same or separate purchases |
Easy EMI |
Eligible purchases can be converted into Easy EMIs, so the monthly instalments add up to the product price |
Minimal down payment |
Select models are available with a minimal or zero down payment, depending on the partner and any ongoing offer |
Flexible tenure |
Repayment tenure options range from 3 to 60 months, allowing the EMI amount to be matched to a monthly budget |
Expansive network |
Accepted at over 1.5 Lakh partner sellers across 4,000 cities, both online and offline |
Zero foreclosure charges |
An EMI account can be closed before the end of the tenure without a foreclosure penalty |
Joining fee |
A one-time joining fee of ₹530 (inclusive of applicable taxes), with no annual or renewal fee |
The Insta EMI Card eligibility criteria are simple and the application is fully digital, so no physical documents need to be submitted.
| Criteria | Requirement |
|---|---|
Nationality |
Indian |
Age |
21 to 70 years |
Income |
A regular source of income |
Credit score |
As per issuer’s policies |
| Document | Purpose |
|---|---|
PAN card |
Identity verification (Form 60 is required if PAN is not available) |
Aadhaar card |
KYC verification via OTP on the Aadhaar-linked mobile number |
Disclaimer: Approval and the sanctioned loan offer amount are subject to the applicant's credit profile and issuer’s policies.
Knowing how to apply for the Insta EMI Card can help you understand the application process and applicable eligibility requirements before planning a Mi mobile purchase.
Enter mobile number: Click on 'Apply Now', enter your 10-digit mobile number and verify it with an OTP
Auto-fetch details: Enter your full name and select 'Auto-Fetch Details'
Verify personal details: Check the pre-filled information and click on 'Continue'
View loan offer: Review the pre-qualified card loan offer amount and click on 'Continue'
Wallet set-up and KYC: Confirm the wallet set-up details, verify the OTP and complete identity verification by confirming your current residential address
Pay joining fee: Pay the one-time joining fee of ₹530 (inclusive of applicable taxes)
Access the card: Once the payment is successful, the card details are available on the Bajaj Finance app
Note: The exact flow may differ slightly for new and existing customers.
Reviewer
Yes. Mi mobiles can be purchased on Easy EMI without a credit card using the Bajaj Finance Insta EMI Card. The card provides a pre-qualified loan offer of up to ₹3 Lakhs and is accepted at over 1.5 Lakh partner stores across 4,000+ cities.
Yes. Eligible Mi mobile phones can be purchased on Easy EMI with the Insta EMI Card at participating partner stores and e-commerce platforms. Under an applicable Easy EMI offer, the total monthly instalments equal the handset price without an additional interest cost, though other applicable fees or charges may apply.
Zero down payment may be available on select Mi mobile models purchased with the Insta EMI Card. Availability depends on the model, partner store and offer applicable at the time of purchase.
The Insta EMI Card offers repayment tenures ranging from 3 to 60 months. The available tenure can be selected at checkout for eligible purchases made online or at a partner store.
Purchasing a Mi mobile on EMI spreads the handset cost across a repayment tenure of 3 to 60 months without requiring a credit card. Over 10 Lakh products are available on Easy EMI, with minimal or zero down payment on eligible products, along with applicable processing fees and foreclosure terms.
The Insta EMI Card can be used to purchase over 10 Lakh eligible products and services on EMI, including mobile phones, electronics, home appliances, furniture and travel bookings. It is accepted at over 1.5 Lakh partner stores across 4,000+ cities and on participating e-commerce platforms such as Amazon and Flipkart.
No. The Insta EMI Card cannot be used to transfer money to a bank account or withdraw cash. It is a pre-qualified card loan facility intended for purchasing eligible products and services on EMI through participating partner stores and websites.
EMIs are automatically debited from the linked bank account through the registered e-mandate. Each purchase is treated as a separate loan, and the repayment schedule and upcoming instalments can be tracked through the applicable account or app.
Timely repayment of EMIs may contribute to a positive credit history when the loan is reported to the credit bureau. Missed or delayed repayments may affect the CIBIL score, while the actual impact depends on the overall credit profile and the bureau's scoring methodology.