A Guide for Buying a Mobile Phone on EMI without a Credit Card

Can you even imagine a single day without a mobile phone these days? The answer to this is ‘No.’ It is what the charm of mobile phones is, and no one has remained untouched by it.


You can perform numerous things with the help of your mobile phone. It can help you in preparing shopping list, clicking pictures, sending greetings, order food online and beyond.

The changing pattern of communication has escalated the need for mobile phones. But, if you look at their prices, it is much more than what you can pay in one go. If you are planning to buy one soon, you can shop for your favourite mobile on EMI without a Credit Card.

EMI will break the large amount into smaller payments and let you buy your favourite mobile without putting the burden on your budget at once. You can also make an online mobile purchase on EMI as an alternative.

When you think of EMI, the first thing that comes to mind is a credit card. But the fact is, 95 % of Indians do not own a credit card, and you can be one of them.

Thankfully, there are many financial products in the market that provide some of the best EMI offers on mobile phones and don’t need a credit card.   

Next time, if you don’t wish to make the complete payment at once, then you should ask for EMI option without the credit cards.

One of such EMI option is the No Cost EMI facility by Bajaj Finserv. Let’s move ahead to know more about this facility.

What is Bajaj Finserv’s No Cost EMI?

Many retailers now offer the No Cost EMI facility by Bajaj Finserv on various products. It is to increase the sale by making the product affordable for ordinary people.

A No Cost EMI is an offer that lets you split the cost of the purchases into monthly payments for a pre-decided tenor. As the name says, a No Cost EMI option will not levy any additional or hidden charges on the purchased item.

The calculation of No Cost EMI is simple. For instance, you have made an online purchase of mobile on EMI worth Rs.18,000 for a 6 months tenor then you will have to pay Rs.3,000 per month as EMI.

Dividing the just the cost of the product over the repayment tenor will be your EMI.

Whereas, in case of credit card EMI, you will have to pay an addtional interest amount on your purchase. The interest on credit card EMI may range from 13% to 15%.  

The No Cost EMI payment facility is only available on the Bajaj Finserv EMI Network.

Benefits of shopping across Bajaj Finserv EMI Network

Bajaj Finserv EMI Network is a payment system where you can pay for all your products on affordable monthly payments over an easy tenor. You get up to Rs.4 lakh as the limit on your EMI Network Card to shop on No Cost EMI.

You can shop for more than 1 million+ other useful products along with the mobile phone on the Bajaj Finserv EMI Network. You need not worry about paying the bills of your purchases in one go. The No Cost EMI option will divide your bills into monthly instalment without your credit card.

Bajaj Finserv EMI Network has also made mobile purchase on EMI much easier by providing you instant financing option.

While purchasing the product on No Cost EMI, you will get the option to choose the tenor for which you want to pay the EMI. Hence, you can divide your purchases into affordable instalments of 3, 6, 9, 12, 18 or 24 months as per your need and ease.

Steps to shop a mobile phone on a No Cost EMI

You can enjoy some of the best EMI offers on mobile phones at Bajaj Finserv EMI Network. Follow these easy steps to buy mobile or any other product from Bajaj Finserv EMI Network on No Cost EMI option:

  1. Visit the nearest shop registered on the Bajaj Finserv EMI Network. There are 60,000+ partner outlets in 1300+ cities that are registered on Bajaj Finserv EMI Network. Use your EMI Network Card to pay for all your purchases on EMI.
  2. If you don’t have an EMI Network Card, just submit some basic documents such as your KYC documents and a cancelled cheque to get your product on EMI.

You must not wait to take advantage of a No Cost EMI scheme.

You can also take advantage of the exclusive pre-approved offers from Bajaj Finserv. These offers will enable you to avail financial services such as personal loans, home loans and more without hassles.

Know more: About Bajaj Finserv EMI Network - Products & Offers

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