Get your dream mobile on EMI without credit card

The latest iPhone costs more than an average Indian’s monthly salary. Yet, millions dream of owning premium smartphones packed with cutting-edge features. For many, traditional credit cards remain out of reach, while others prefer avoiding credit card debt. But what if you could bring home that perfect mobile without emptying your savings?

BNPL transforms mobile shopping in India

The smartphone market has witnessed soaring prices, with flagship models approaching the Rs. 1 lakh mark. This puts these devices beyond immediate reach for most buyers. Traditional financing often involves complex paperwork and lengthy approval processes.

BNPL or Buy Now, Pay Later solutions have emerged as a game-changing alternative for Indians seeking to purchase high-end mobiles. These innovative payment options allow buyers to split their purchases into manageable monthly instalments without needing a credit card.

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The rising adoption of BNPL services in India reflects a shift in consumer preferences. Young professionals and digital-savvy buyers appreciate the transparency and convenience of EMI-based purchases. This trend has prompted leading manufacturers and retailers to partner with BNPL providers.

Smart mobile financing without credit cards

Getting a mobile on EMI without credit card offers remarkable flexibility. Buyers no longer need to compromise on their preferred model due to budget constraints. The easy EMI options help preserve savings while enjoying the latest technology.

Modern BNPL platforms provide instant approval and minimal documentation. This streamlined process ensures customers can walk away with their dream mobile on the same day. The straightforward application process attracts both first-time buyers and experienced shoppers.

Meet the Bajaj Finserv Insta EMI Card

The Insta EMI Card stands out among Buy Now, Pay Later solutions with its generous pre-qualified card loan offer amount of up to Rs. 3 lakh. This allows cardholders to purchase premium smartphones without worrying about immediate payment.

The card provides access to leading smartphone brands through an extensive network of 1.5 lakh+ partner stores across 4,000+ cities. Whether you prefer shopping at your local mobile store or through popular e-commerce platforms, the card works seamlessly everywhere.

Cardholders enjoy the transparency and flexibility of the Insta EMI Card. The zero foreclosure charges allow early repayment without penalties. Additionally, cardholders can choose repayment tenures between 1 and 60 months based on their financial planning.

The minimal interest rates and absence of hidden charges make the Insta EMI Card an economical choice. The special zero down payment offers on select products and during festive seasons provide additional savings opportunities.

Simple steps to mobile purchase

For online shoppers:

• Select your desired mobile from any major e-commerce platform, like Amazon, Flipkart, or Bajaj Mall.
• Add it to the cart and proceed to checkout.
• Choose the Bajaj Finserv Insta EMI Card as your payment option.
• Pick your preferred EMI tenure.
• Complete the purchase with instant processing.

For in-store purchases:

• Visit any Bajaj Finserv partner mobile store.
• Choose your dream smartphone.
• Present your Insta EMI Card details.
• Select your EMI tenure.
• Walk out with your new mobile after making the nominal upfront payment, if applicable.

Key features and benefits of the Bajaj Finserv Insta EMI Card

• Instant digital card: Receive your card details immediately upon approval. Start shopping right away without waiting for a physical card.
• Wide acceptance: Access India’s largest network of offline stores and online platforms. Find the best deals across multiple retailers and e-commerce sites.
• Flexible EMIs: Choose repayment terms from 1 to 60 months. Align your EMIs with your monthly budget for stress-free payments.
• Special offers: Enjoy zero down payment deals during festive seasons. Get exclusive discounts and cashback offers throughout the year.
• Credit score builder: Regular EMI payments help improve your credit score. Build a strong credit history for future financial needs.

Smart BNPL usage tips

• Budget planning: Calculate your monthly EMI commitment before purchase. Ensure it does not exceed 30% of your monthly income for comfortable repayment.
• Compare costs: Research prices across different platforms. Use your Insta EMI Card where you find the best combination of price and EMI terms.
• Emergency fund: Maintain a separate emergency fund even while using BNPL. This ensures uninterrupted EMI payments during unexpected situations.
• Document management: Keep all purchase receipts and EMI statements organised. Track your payments and remaining balance regularly.
• Responsible usage: Avoid multiple simultaneous EMI commitments. Focus on essential purchases that add value to your life.

Getting your Insta EMI Card

Eligibility:

Online application steps:

1. Download the Bajaj Finserv app or visit the official website.
2. Enter your registered mobile number and complete the OTP authentication.
3. Fill in the application form for your card loan offer amount.
4. Complete the KYC verification with DigiLocker or your Aadhaar details.
5. Pay the one-time joining fee.
6. Complete the e-mandate registration for uninterrupted repayment.

Offline application:

1. Visit any Bajaj Finserv partner store with the required documents.
2. Submit documents to a store representative for verification.
3. Pay a one-time joining fee upon approval.
4. Receive your card details.

Transform your mobile shopping experience

The Insta EMI Card removes financial barriers between you and your dream smartphone by simplifying mobile purchases through structured payments. It eliminates the need for credit cards while offering similar conveniences. Apply today to experience hassle-free shopping with flexible EMIs. Get started with minimal documentation and enjoy instant approval.

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