Is your phone throwing a tantrum, what with all the year-end work and party planning? Why not upgrade to the latest smartphone? Play your own Santa this year! After all, a phone is something you use 24×7. It makes sense to buy the best and the latest. No need to worry about the cash? There is a simple solution. Just avail the best EMI offers on smartphones.

Why Buy a Smartphone on EMIs?

A smartphone gives you seamless access to the digital technology you need every day. The latest models have higher compatibility with the newest apps and features. But the best of technology comes at a premium price. If you want to hold on to your cash for rainy days, look for an EMI scheme on smartphones. You spread out the payment and can go completely cashless.

If you are going to be paying EMIs on smartphones, look no further than the top three contenders of 2016. It is a battle for the top slot between Apple, Samsung, and Google. And between the three brands, there are five models to choose from.

1)    Apple iPhone 7 and 7 Plus: If you buy an iPhone on EMIs, go for the latest iPhone 7 or 7 Plus. Water- and dust-resistant, the new models have better battery life. But Apple always scores with performance. These latest models are lightning-fast and smooth.

Tech Specs for iPhone 7: 2GB RAM, internal storage up to 256GB; rear camera 12MP, front camera 7MP; System on a Chip (SoC) Apple A10 Fusion; iOS 10 operating system.

Tech Specs for iPhone 7 Plus: 3GB RAM, internal storage up to 256GB; rear camera 12MP (wide) + 12MP (telephoto), front camera 7MP; System on a Chip (SoC) Apple A10 Fusion; iOS 10 operating system.

2)    Samsung Galaxy S7: This one is deemed to be Samsung’s best. And it gives close competition to Apple’s latest. Not only is it water- and dust-resistant, it also has a crisp OLED display. The camera is said to be the best from Samsung so far. This phone scores top points on the smartness quotient. Do not forget to pick up Samsung’s Gear VR with it.

Tech specs for Samsung Galaxy S7: 4GB RAM, internal storage up to 64GB; rear camera 12MP, front camera 5MP; System on a Chip (SoC) Qualcomm Snapdragon 820; Android v6 (Marshmallow)

3)    Google Pixel and Pixel XL:
This one is a dark horse, stealing its way into the limelight. The camera is a talking point for Google’s best-ever smartphone. It scores over other phones with larger pixel size. Larger pixels mean better colour and quality of images. The light is processed better. What is the performance like? Sharp, lean, and super-fast! The two phones differ in terms of dimension and battery size, XL having the bigger features.

Tech specs for Google Pixel and Pixel XL: 4GB RAM; internal storage up to 128GB; rear camera 12MP, front camera 8MP; System on a Chip (SoC) Qualcomm Snapdragon 821; Android 7.1 (Nougat) operating system

How to Pick The Right EMI Scheme

There are several EMI schemes you can avail of. How do you know which is the best one? To start with, see which one lets you pay the lowest EMIs. But that is not enough. See which ones are free from hidden charges like prepayment penalty, high processing fees, so on.

Look at Bajaj Finserv’s EMI card. You can buy your smartphone at a partner outlet or online store on Bajaj Finserv’s EMI network. The way to pay is through the EMI card or via instant EMI finance. Almost all of India is hooked on to the network. There are seven million members, with over one million products on offer. Yes, that includes smartphones too. The EMI network is spread across more than 30,000 stores in 300 cities. This is a great way to pay for your purchases. It is a step forward towards a digital economy.

What are The Benefits?

You can shop entirely without cash. This pre-approved loan requires minimal documentation. Just apply online, or ask for EMI finance at a partner retail outlet. If you do need to pay a down payment, the amount is very low. But the best part is that you pay entirely interest-free EMIs. If you buy a smartphone worth Rs 60,000, you will repay just that amount. And, you can choose your own repayment tenure.

As an existing customer of Bajaj Finserv, you can visit our customer portal and apply for an EMI Card. If you are not an existing customer, you can apply for an EMI Card when you purchase your favourite product at our partner store.

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