New Delhi [India], October 16: The lights are up, the sweets are being prepared, and there's one item at the top of your wish list - a new iPhone. You log in to your favourite online shopping platform and find stunning discounts, but the upfront payment is far too much.
Does this sound frustrating and familiar? This Diwali does not have to be that way. The Flipkart upcoming sale brings record offers on Apple devices, and you can grab an iPhone on EMI without owning a credit card.
Why this year is different: Flipkart's upcoming sale and real savings
Festive sales have always mattered, but 2025 is setting new benchmarks. The Flipkart Big Bang Diwali Sale started on October 11 and offers massive price cuts, impressive exchange bonuses, and zero down payment options on select products. Apple fans get the best annual deals during this period.
Timing matters because stocks move fast and popular models sell out quickly. Early access, exclusive discounts, and bundled offers make this the most cost-effective shopping period of the year. Shoppers who plan ahead walk away with premium devices at prices that will not return until next festive season.
The financing problem for many shoppers
Credit cards remain the default payment method for iPhone on EMI purchases online. But millions of Indian shoppers do not own credit cards due to income documentation requirements, credit history gaps, or personal financial preferences. Missing out on festive iPhone deals because of a credit card barrier feels unfair. The good news is that there is a simple alternative that works just as well during Flipkart's upcoming sale.
Meet the Bajaj Finserv Insta EMI Card
The Bajaj Finserv Insta EMI Card is the financial solution to the credit card problem. You can use it to buy an iPhone on EMI during the upcoming Flipkart sale. The card offers a pre-qualified card loan offer amount of up to Rs. 3 lakh, which you can use for multiple purchases across different categories. There is no need to apply for a traditional credit card or wait weeks for approval.
Its top features include:
. Flexible repayment tenures from 3 to 60 months
. Instant approval through digital KYC and e-mandate registration
. Nil foreclosure charges if you repay early
. Zero down payment offers during festive seasons at partner stores
. Accepted at all major e-commerce platforms and 1.5 lakh+ offline stores
. Helps build your credit score through timely monthly instalments
How to buy an iPhone on EMI using the Insta EMI Card
Buying your desired iPhone model through the Flipkart upcoming sale is straightforward once you have the Bajaj Finserv Insta EMI Card. Here is exactly how to complete your purchase:
. Browse the Flipkart upcoming sale and add your chosen iPhone to the cart.
. Proceed to checkout and select EMI as the payment method.
. Choose the Bajaj Finserv Insta EMI Card from the available options.
. Enter your registered mobile number and Insta EMI Card details.
. Select your preferred EMI tenure between 3 and 60 months.
. Confirm the order and complete the digital approval process.
If you do not have your card yet, you can easily apply for it in just a few minutes on the official Bajaj Finserv website. Just ensure you have these requirements:
. Valid PAN card and Aadhaar card for KYC verification
. Address proof and bank account details
. IFSC code for e-mandate registration
. One-time joining fee of Rs 530
How to use the Insta EMI Card responsibly when buying an iPhone on EMI
Financing a premium device feels exciting, but responsible credit use protects your financial health. The Bajaj Finserv Insta EMI Card offers flexibility, but that flexibility works best when you plan repayments carefully. Here are six practical habits that keep your EMI experience smooth and stress-free.
. Choose an affordable tenure that fits your monthly budget without strain
. Check the total payable amount before confirming
. Avoid over-borrowing by limiting purchases to what you genuinely need
. Automate instalments through e-mandate so you never miss due dates
. Monitor your Bajaj Finserv account statements every month for accuracy
. Maintain a good credit score by paying on time every single month
Missing instalments attract penalties from the due date until full payment. Delayed payments also hurt your credit score, making future financing harder. If cash flow gets tight, contact Bajaj Finserv support early to explore options rather than defaulting.
Common pitfalls to avoid during the Flipkart upcoming sale
Festive shopping excitement can cloud judgment. Many buyers rush through checkout and later regret missing important details. Being aware of common mistakes helps you avoid them and ensures your iPhone on EMI experience stays positive from purchase to final instalment.
Run through this quick checklist before you hit buy:
. Confirm the exact iPhone model, storage, and colour in your cart
. Verify that your chosen EMI plan matches your budget and tenure preference
. Read the return and refund policies for your selected seller
. Check delivery timelines to avoid Diwali gift delays
Owning an iPhone no longer requires a credit card or months of savings. The Flipkart upcoming sale brings the lowest annual prices on Apple devices, and the Bajaj Finserv Insta EMI Card makes financing simple, fast, and accessible.
Buy your iPhone on EMI without the credit card barrier this Diwali with the Insta EMI Card. Visit the official Bajaj Finserv website now to apply for the Insta EMI Card.
