Get Your iPhone 16 on Easy EMIs Now and Pay Later

Have you ever wistfully watched Apple unboxing videos online - the pristine white box of a brand-new iPhone 16 slides off to reveal the sleek device gleaming beneath... and the best part? You have paid nothing upfront. If you think that has got to be a dream or wishful thinking - we have some good news for you! An easy EMI card like the Bajaj Finserv Insta EMI Card can make that your reality by transforming the latest iPhone 16 EMIs into small, manageable payments that fit your monthly budget with ease.

So, you could walk home with the latest iPhone 16 today and pay for it over time in comfortable instalments. There is no need to empty your savings or put off your desires as you wait months to save up.

Why an easy EMI card makes perfect sense

Mobile phone prices are climbing higher each year, with flagship models costing more than some laptops. The iPhone 16 undoubtedly has amazing features, but its hefty price tag can strain most budgets. Many people delay their purchase or settle for less because of the high cost. You do not have to be one of them!

Breaking down large expenses into smaller monthly payments helps manage your money better. Instead of one big payment that dents your savings or empties your account, the iPhone 16 EMI option lets you spread the cost over time. This approach keeps your daily finances stable while you enjoy your new phone.

The easy EMI card transforms how people shop for premium devices. You no longer need to choose between being financially stable and owning the latest technology. The iPhone 16 EMI option puts this powerhouse of a device in your hands right away.

Meet the Bajaj Finserv Insta EMI Card

If you are in the market for the best iPhone 16 EMI solution, look no further than the Bajaj Finserv Insta EMI Card. It stands out from other payment options as it focuses on converting purchases into easy monthly instalments without the usual credit card complications.

The Insta EMI Card offers instant approval after a quick verification process. You receive a pre-qualified card loan offer amount of up to Rs. 3 lakh, usable across multiple purchases. This generous limit means you can buy the iPhone 16 and perhaps accessories or other electronics as needed.

With this financial tool, buying your iPhone 16 becomes a smooth and stress-free experience. The application process takes barely any time and, once approved, you can use your card immediately at partner stores or online shops that sell the latest Apple products.

Insta EMI Card features and benefits

This easy EMI card comes packed with features that make buying your iPhone 16 easier. The table below outlines the main card features at a glance:

• Substantial limit: The pre-qualified card loan offer amount of up to Rs. 3 lakh gives you plenty of room to purchase not just the iPhone 16, but also other things as needed. This limit refreshes as you repay your existing iPhone 16 EMIs, allowing for multiple purchases over time.
• Low-cost EMIs: The competitive interest rates of this easy EMI card make your iPhone 16 EMI payments more affordable compared to traditional loans or credit cards. The lower costs mean you can choose a shorter repayment period or opt for a premium model without stretching your budget too thin.
• Flexible repayment options: With tenure choices ranging from 1 month to 5 years, you can pick the exact payment schedule that matches your specific financial situation. Shorter terms mean higher monthly instalments but less interest, while longer terms reduce the monthly burden if your budget is tight.
• Nil foreclosure charges: If your financial situation improves and you want to pay off the remaining balance early, you can do so without any penalties. Enjoy financial freedom and save on interest payments if you come into extra money.
• Widespread acceptability: Your Insta EMI Card is accepted at over 1.5 lakh partner stores across more than 4,000 Indian cities, apart from all major e-commerce platforms. This extensive network means you can shop for your iPhone 16 at your preferred retailer, whether online or at a brick-and-mortar store.
• Zero down payment: During festive seasons, many partner stores offer special zero down payment deals when you use your Insta EMI Card to pay. These promotions let you take home your iPhone 16 without any upfront cost, making the purchase all the more accessible.
• Credit score boost: Pay your iPhone 16 EMI in a timely way and you can improve your credit score. A good payment history creates a positive record with credit bureaus, which benefits your future loan applications and overall credit health.

Using your Insta EMI Card for iPhone 16 EMI

Whether you prefer shopping online or in person, using your easy EMI card from Bajaj Finserv to purchase your iPhone 16 is a straightforward process.

Online purchase

• Browse any major e-commerce website and add the iPhone 16 device of your choice to your shopping cart.
• During the checkout process, select the EMI payment option.
• When prompted, enter your Bajaj Finserv Insta EMI Card details.
• Choose the preferred tenure for your iPhone 16 EMIs based on your budget and existing financial commitments.
• Complete your purchase and wait for your new device to be delivered to your address.

In-store purchase

• Visit your nearest Bajaj Finserv partner store that sells Apple products.
• Browse and select your desired iPhone 16 device. If necessary, consult the knowledgeable staff on the technical specifications that would be ideal for you.
• Once satisfied with your chosen device, head to the checkout counter and inform the sales representative there that you will be paying with your Insta EMI Card.
• Share your card details for processing and pick the EMI tenure that works for you.
• Complete the transaction and take home your new iPhone 16.

Using your Insta EMI Card responsibly

Like any other financial tool, using your easy EMI card wisely will safeguard your financial stability while you enjoy your new Apple device.

• Remember to pay your iPhone 16 EMI on time as late payments can incur additional charges and hurt your creditworthiness. Set up automatic payments or reminders on your phone to make sure you never miss a payment deadline.
• Choose the right tenure by calculating how much you can afford to pay each month before finalising your purchase. Remember, longer tenures may mean lower monthly payments, but it does add up to more interest paid overall.
• Monitor your credit score regularly through your banking app or free services from credit bureaus to ensure no error or discrepancy has crept in. Use credit instruments like easy EMI cards responsibly to build your score and open doors to better financial products and rates in the future.
• Avoid reaching your limit and straining your monthly budget with too many EMI payments. Keeping your limit free for emergencies or future purchases is always a more financially sound approach to using Buy Now, Pay Later (BNPL) tools.
• Plan purchases in advance as impulse purchases can lead to buyer remorse and unnecessary financial strain. Your iPhone 16 should be a planned purchase that fits in with your financial goals.

Applying for the Insta EMI Card

If you no longer want to wait months to save for your much-needed phone upgrade or compromise on an older model, it's time to empower yourself with the Insta EMI Card. The instant approval process means you can walk into a store or visit a website, apply for the card, and potentially walk out with your new iPhone 16 that same day.

Before you apply, remember to check if you meet the basic requirements:

Whether you apply online or at a partner store, the application process is simple and convenient.

Online application

• Visit the Insta EMI Card page on the official Bajaj Finserv website or download the app.
• Enter your mobile number and verify it with a one-time password (OTP).
• Find out your credit limit by filling in the form.
• Use your Aadhaar card or Digilocker to complete the KYC verification process.
• Pay the one-time joining fee of Rs. 530 and automate future payments by registering the e-mandate.
• Receive your activated card details ready for immediate use.

Offline application

• Visit your nearest Bajaj Finserv partner store and ask a store representative for assistance.
• Provide the necessary documents for them to verify.
• Once you're approved, pay the one-time joining fee.
• Receive your card details and start shopping immediately.

Through structured payment plans that neatly align with individual budgets, the Insta EMI Card makes high-end technology accessible to more people. The manageable monthly payments allow cardholders to maintain a healthy cash flow and enjoy the peace of mind that comes with a stable bank account.

Take the first step toward owning the iPhone 16 without waiting or compromising your financial well-being. Use your Insta EMI Card to enjoy the iPhone 16 today and pay later in easy EMIs. Apply now!

Moneycontrol Journalists are not involved in creation of this article.