Thanks to the latest financial instruments, getting the latest devices available in the market has now become affordable. In fact, you can get a mobile phone on EMI without a credit card. This is a facility you can avail with the Bajaj Finserv EMI Network Card, and it makes shopping a lot easier.
With this card, you avail a mobile on EMI offer from leading brands, and split the cost into instalments spread across 3-24 months. Best of all, you can purchase a mobile on EMI online with the Bajaj Finserv EMI Network Card online, and from your favourite retailers.
To know more, read on.
Bajaj Finserv has teamed up with some of the best smartphone providers to offer you convenience, value for money, and variety. Here is a quick look at some of the best No Cost EMI smartphones that can be purchased using your EMI Network Card.
The Samsung Galaxy A14 5G offers various connectivity options, including 5G, WiFi, Bluetooth, USB, and GPS. The 48 MP primary camera and a 5 MP ultra-wide camera setup allows you to capture high-quality photos and videos.
The phone has a battery capacity of 5000mAh, making it an excellent option for extended usage. With its 6.5-inch display, the Samsung Galaxy A14 5G is perfect for watching videos and browsing.
Price of the mobile phone on EMI: ₹3,500 per month for 6 months
The Redmi Note 12 Pro+5G has various connectivity options, including 5G, WiFi, Bluetooth, USB, and GPS. Its camera setup is impressive, as it has a triple-camera setup consisting of 200MP, 8MP and 2MP shooters.
The phone's 4980mAh battery allows hours of usage, and its large 6.67-inch display is perfect for entertainment and browsing. The Redmi Note 12 Pro Plus 5G is a reliable and high-performing smartphone.
Price of this mobile phone on EMI: ₹5,000 per month for 6 months
The OPPO A78 5G boasts several connectivity options, including 5G, WiFi, Bluetooth, USB, and GPS. The phone's camera includes a 50MP primary camera and a 2MP depth sensor, delivering high-quality photos and videos.
Its battery capacity of 5000 mAh means you can use the phone for hours on a single charge. Best of all, its features the MediaTek 6833 CPU, clocking up to 2.2Ghz, making it a viable choice for gaming too.
Price of this mobile phone on EMI: ₹3,469 per month for 6 months.
The iQOO 11 5G boasts several top features ranging from a 144Hz AMOLED panel to 256GB storage, and more. You can get this device in 2 performance variants – 8GB and 16GB. Whichever you choose to go with, know that you can enjoy a lag-free experience with either.
This smartphone has a 5,000mAh battery, and it supports 120w Flash Charge, meaning you do not have to worry about downtime all through the day.
Price of the mobile phone on EMI: ₹10,000 per month for 6 months
There are many advantages of buying a mobile on EMI online using the Bajaj Finserv EMI Network Card. Check out some of the top benefits below.
You need not pay any sum as a down payment. Simply purchase the phone and convert the entire cost into easy, No Cost EMIs.
You can buy mobile on EMI without a credit card. So, even if you do not have access to a bank credit card, the Bajaj Finserv EMI Network Card lets you buy now and pay later.
With the Bajaj Finserv EMI Network Card, you get a high pre-approved loan of up to ₹2 Lakhs. This means you can buy expensive mobile phones on EMI easily.
When you shop for mobile phones on EMI with the Bajaj Finserv EMI Network Card, you need not pay any interest on the equated monthly instalments.
You can pay the purchase price back over a flexible repayment tenor ranging from 3 to 24 months.
Don't put off buying a new phone or settling for less. Instead, choose to purchase a mobile on No Cost EMIs that has several benefits. When buying a mobile on EMI, you can enjoy flexible repayment tenor, zero down payment, maximum affordability.
These benefits make the Bajaj Finserv EMI Network Card a great option for purchasing a mobile online or offline.
Easy on the Pocket: Buying a phone on EMI or using a debit card can help you avoid the burden of paying the full price at once. With EMI options, you can easily purchase a high-end mobile without worrying about the upfront payment.
The Best Phone Becomes More Affordable: A smartphone's price increases with its specification level. You can buy your preferred phone without paying the entire price upfront when you pay on EMI because you are not required to pay the entire amount at once.
Additional Savings on Buying a Mobile on EMI: Since you are not charged any additional fees (0% interest), purchasing in instalments gets considerably more appealing when you have the option of No Cost EMI phones. In addition, the cash you saved by paying in advance is earning interest in your bank account.
No-cost EMIs let you pay in small monthly amounts instead of the entire sum at once. Regular EMIs include interest and processing costs, while no-cost EMIs have zero interest. Regular EMIs come with interest rates from 8% to 15% and a processing fee from 0.5% to 3%.
For instance, if you purchased a product for ₹12,000 and chose the regular EMI option of 6 months, the payment would be split as follows:
6 months is the EMI's term.
₹12,000 is the principal amount.
Interest rate = 12%
2% processing fee
You can use the Bajaj Finserv EMI Network Card to shop for mobile phones on EMI without a credit card. Here is what you need to do to shop for mobiles online on EMIs.
Step 1: Go through the latest collection of no-cost EMI phones
Step 2: Select the phone you want to purchase by clicking on ‘Buy Now’
Step 3: Choose the ‘No Cost EMI’ option
Step 4: Use Bajaj Finserv EMI Network Card as the payment mode
Step 5: Select your preferred repayment tenor
Step 6: Enter your card details and verify the same using the OTP sent to your registered mobile
Step 7: Confirm your order to complete the transaction
For offline shopping, you can use your Bajaj Finserv EMI Network Card to pay for the purchase at the store itself. Here is what you need to do
Step 1: Visit any Bajaj Finserv partner store near you
Step 2: Choose a smartphone and use your EMI Network Card to pay for the purchase
Step 3: Select a convenient repayment tenor
Step 4: Share your EMI Network Card details
Step 5: Share the OTP sent to your registered mobile to complete your purchase
Yes, you can buy the latest phone of your choice on easy EMIs without needing a credit card. You can use the Bajaj Finserv EMI Network Card to buy a smartphone on EMI.
You can buy a mobile on EMI using the Bajaj Finserv EMI Network Card. While making your purchase, choose the card as your preferred mode of payment and then select the repayment tenure. Then, choose the no-cost EMI option, submit the required details and buy the phone on EMI.
To buy mobile phones online without a credit card and without any down payment, you need the Bajaj Finserv EMI Network Card. If you have this card, you can find the phone of your choice on the product page, choose the ‘No Cost EMI’ purchase option and make your purchase.
Some of the best mobiles on EMI include the Samsung A14 5G, the Redmi Note 12 Pro Plus 5G, the OPPO A78 5G, and more.
You can choose from different smartphone brands like Samsung, OPPO, Vivo, OnePlus, Realme, Redmi, and many more using the Bajaj Finserv EMI Network Card.
To avail of the EMI offer on mobiles on Aadhaar Card, you need to be an Indian citizen aged between 18-65 years of age. Additionally, you need to have valid documentation as proof of your identity and must have an active source of income.