Buying a new smartphone in 2025 has become easier than ever. With top brands like Apple, Samsung, OnePlus, Xiaomi, Vivo, and Realme launching feature-rich devices at various price points, customers often prefer to purchase their dream phone through EMI (Equated Monthly Installments) instead of paying the full price upfront. EMI options allow you to divide the cost of the mobile into small, manageable monthly payments without straining your budget.
What Does Buying a Mobile on EMI Mean?
When you purchase a smartphone on EMI, you don’t have to pay the entire price in one go. Instead, the total cost is divided into equal monthly installments for a fixed tenure, which could range from 3 months to 24 months depending on the scheme and finance provider. Some EMI plans are offered with zero down payment and even no-cost EMI, meaning you only pay the actual price of the phone without extra interest charges.
Ways to Buy a Mobile on EMI in 2025
There are multiple ways to get your desired mobile phone on EMI this year:
1. Using a Credit Card
- Most leading banks such as HDFC Bank, ICICI Bank, SBI, Axis Bank, and Kotak Mahindra Bank offer EMI conversion facilities on credit card purchases.
- Simply swipe your card at the store or make an online purchase.
- Convert the total cost into EMI from the bank’s app or customer service.
- Choose tenure options like 3, 6, 9, 12, or 24 months.
Tip: Look for no-cost EMI offers on e-commerce platforms like Amazon, Flipkart, Croma, and Reliance Digital during festive sales.
2. Debit Card EMI
Many banks have now started offering debit card EMI options. Unlike credit cards, this does not require a pre-approved credit limit. The bank checks your eligibility and allows you to pay the phone amount in installments directly from your savings account.
Popular banks providing this service in 2025 include:
- HDFC Bank
- Axis Bank
- ICICI Bank
- SBI
3. Bajaj Finserv EMI Network Card
The Bajaj Finserv EMI Card is one of the most popular financing options for buying a mobile in India. With a pre-approved credit limit (up to ₹4 lakh), you can purchase the latest smartphones on no-cost EMI.
- Available in over 1.5 lakh partner stores across India.
- No foreclosure charges.
- Zero down payment on selected models.
- If you don’t already have the card, you can easily apply online or at a partner store.
4. Consumer Durable Loans
Non-banking financial companies (NBFCs) and digital lenders like HDB Financial Services, ZestMoney, Home Credit, and IDFC First Bank also provide consumer durable loans for smartphones.
- Minimal documentation (PAN, Aadhaar, and income proof).
- Flexible repayment tenure.
- Instant approval in most cases.
5. E-commerce Platforms
Online platforms such as Amazon India and Flipkart frequently tie up with banks and NBFCs to provide easy EMI options. During sales, you can often find exclusive no-cost EMI plans along with additional exchange offers.
Steps to Buy a Mobile on EMI in 2025
- Select Your Mobile – Choose the smartphone model that fits your requirements and budget.
- Check EMI Options – Review available EMI plans from banks, NBFCs, or EMI cards.
- Verify Eligibility – Ensure your credit card, debit card, or EMI card is eligible for conversion.
- Choose Tenure – Select the repayment period (3–24 months).
- Complete KYC (if needed) – For NBFC or new EMI card users, provide KYC documents.
- Make the Purchase – Pay through your selected EMI mode.
- Repay Monthly – Ensure timely EMI payments to avoid penalties.
- Benefits of Buying Mobile on EMI
- Budget-friendly: Pay in small monthly installments.
- Access to Premium Phones: Buy high-end models without paying full price.
- No-cost EMI: Pay only the product cost, no extra charges.
- Wide Availability: Online, offline, banks, and NBFCs all offer EMI options.
- Quick Approval: Minimal paperwork and instant approval in most cases.
- Things to Keep in Mind
- Always check if the EMI plan is no-cost or with interest.
- Look out for hidden charges like processing fees or foreclosure fees.
- Ensure timely payment to avoid late fees or damage to your credit score.
- Compare offers across multiple banks and finance providers before deciding.
Conclusion
In 2025, buying a mobile on EMI is not just convenient but also smart. Whether you use a credit card, debit card, Bajaj Finserv EMI Card, NBFC loan, or e-commerce platform, you have plenty of flexible options to make the purchase. Always check for the best no-cost EMI offers, especially during festive sales, to maximize savings.
also read : How to Buy a Mobile on EMI Using Bajaj Finserv EMI Network Card
With easy EMI options, you no longer have to wait to buy your dream smartphone—simply divide the cost into affordable monthly payments and enjoy the latest technology hassle-free.