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Get refurbished iPhones on EMI and repay across a comfortable tenor using the Bajaj Finserv Insta EMI Card
Last updated on: April 28, 2026
Apple’s iPhone always offers cutting edge technology and has now become a symbol of innovation and sophistication. Due to the company’s innovation-focused development approach and passionate fan following, these phones tend to be expensive.
By purchasing refurbished models of iPhones, you can enjoy their high-end features at reduced prices. To make such purchases even more affordable, explore the EMI options for refurbished iPhones using the Bajaj Finserv Insta EMI Card.
You can split the cost of these high-end smartphones into manageable instalments with low or no down payment. All you need to do is purchase refurbished iPhones on EMI with the Bajaj Finserv EMI Network Card.
It allows you to split the cost of your chosen model into manageable EMIs, which you can repay in up to 60 months. Without any additional interest, the easy EMI facility makes purchasing an iPhone pocket friendly.
Choosing a refurbished model can save you between 20% to 40% compared to a new device. Below is a comparison of estimated refurbished vs. new prices and the starting EMIs for 12-month tenures.
| Model | Refurb Price (Approx.) | New Price (Approx.) | Savings | EMI (12 months) |
|---|---|---|---|---|
iPhone 12 |
₹19,799–₹24,000 |
₹32,900–₹54,499 |
~₹13,000–₹30,000 |
~₹1,650–₹2,000 |
iPhone 13 |
₹21,999–₹29,999
|
₹48,900–₹59,900
|
~₹20,000–₹30,000
|
~₹1,850–₹2,500
|
iPhone 14 |
₹34,999–₹39,999
|
₹56,900–₹79,900
|
~₹20,000–₹40,000
|
~₹2,900–₹3,300
|
iPhone 15 |
₹48,899–₹52,000 |
₹66,900–₹89,900 |
~₹18,000–₹37,000 |
~₹4,000–₹4,300 |
Grade A refurbished iPhones are those in near-new condition, with minimal wear, 80%+ battery health, and full functionality.
To ensure your refurbished device is authentic and original, follow these essential verification steps:
Before you finalise your purchase, compare the core specifications to find the right balance of performance and price.
Feature |
iPhone 12 |
iPhone 13 |
iPhone 14 |
iPhone 15 |
Processor |
A14 Bionic |
A15 Bionic |
A15 Bionic (5-core GPU) |
A16 Bionic |
Display |
6.1-inch OLED |
6.1-inch OLED |
6.1-inch OLED |
6.1-inch Dynamic Island |
Main Camera |
Dual 12MP |
Dual 12MP (new sensors) |
Dual 12MP (Action Mode) |
48MP Main Camera |
Charging |
Lightning |
Lightning |
Lightning |
USB-C |
Video Playback |
Up to 17 hrs |
Up to 19 hrs |
Up to 20 hrs |
Up to 20 hrs |
You can buy a refurbished iPhone on EMI at both online and offline partner stores. Bajaj Finserv partners with leading platforms like Bajaj Mall, Cashify, Grest, Budli, Amazon, and Flipkart.
Online Purchase Steps:
Offline Purchase Steps:
Buying a reconditioned device offers more than just financial savings; it is a smarter way to consume technology:
Shop for Gadgets at Partner Stores |
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Related to Bajaj Finserv EMI Network Card |
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Reviewer
As of April 2026, a refurbished iPhone 13 (128GB) typically costs between ₹26,000 and ₹29,000, depending on the grading and seller.
Typically, you can save 30% to 45% by choosing a refurbished iPhone. For example, a refurbished iPhone 14 costs roughly ₹20,000 less than its current retail price.
Grade A refers to the highest tier of refurbished devices. These phones are functionally perfect, have battery health above 80%, and show little to no visible cosmetic signs of use.
Reliable options include Cashify for physical store access, Budli for competitive pricing, and Bajaj Mall for the best integrated EMI deals.
Most professional refurbishers in India provide a warranty ranging from 6 months to 1 year, covering manufacturing defects and software issues.
Yes, using the Bajaj Finserv Insta EMI Card at partner stores like Cashify or Bajaj Mall, you can buy a refurbished iPhone 14 on Easy EMI with zero added interest.
Yes, you can purchase a refurbished iPhone on EMI without a credit card. Visit a Bajaj Finserv partner store to enjoy EMI deals on reconditioned or refurbished iPhones. Choose your desired model and select the Bajaj Finserv EMI Network Card as your preferred payment method.
It may be a safe option to buy a refurbished phone if you purchase one from a trusted retailer. Remember to conduct your due diligence before buying a refurbished iPhone on EMI.
Checking its warranty cover, the dealer’s terms and conditions, return policy (if any), and the quality checks on the phone can help.
Buying a refurbished iPhone is better than buying a used model. Such refurbished phones go through thorough quality checks before they are sold by a retailer. The retailer repairs any defects, and the renewed phone comes with a fresh warranty.
However, a used iPhone from private sellers doesn’t include such quality checks or warranty covers. So, if the phone stops working, you cannot claim for damages or a replacement.
Buying a refurbished or reconditioned iPhone has several benefits. It is 20% to 50% cheaper than buying a new iPhone. In fact you can pay even more comfortably by buying a refurbished iPhone on EMI.
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