Learn How To Purchase Any Phone On EMI Without A Credit Card

Mobile phones are not just “nice-to-have” devices anymore. We live in a world where it’s virtually impossible to get anything done without a smartphone. If you want to buy a smartphone without putting stress on your monthly budget, EMI is the easiest way to get it.

EMI stands for Equated Monthly Installment, and it allows customers to pay for products over a period of time instead of paying in full at the time of purchase through payment gateway.

When you make an EMI payment, you will be charged interest at the same rate as your credit card or debit card charges interest. So if your credit card charges 19% interest per annum, your EMI will also be charged 19% interest per annum.

Why Should You Buy a Mobile on EMI?

The best way to buy a smartphone is by paying the full price together. However, this method can be quite expensive and not everyone can afford it. If you want to make your purchase with ease, then buying a phone on EMI could be an ideal option for you.

There are many advantages to buying a phone on EMI without a credit card.

Easy on pocket: Buying a phone by paying the full price together can move your monthly budget off-track, leaving you with less money for emergencies. However, getting a phone on a debit card EMI or credit card EMI helps ensure you have enough savings at all times. Whether you are looking to buy the best mobile under Rs. 10,000 or high-end mobiles, you can make your purchase with ease!

High-end phones get affordable: The better the specifications of a smartphone, the higher the price attached to it. When you buy a phone on EMI, you don’t need to pay the full cost. Therefore, you can afford to buy your favorite high-end phone without paying the full cost upfront 

How To Buy Mobile On Emi Without Credit Card?

 The credit card is a popular choice when you want to buy something on EMI. If you have a credit card, then you can easily buy a smartphone on Cardless EMI and pay the instalments in your own time.

But when you think of buying a smartphone on EMI, the first option that comes to your mind is a credit card. However, using a credit card is not always the best option, and moreover, not everybody has access to credit cards.

Fortunately, other financial products are available in the market today that allow you to buy a mobile on EMI without a credit card. Using other products like personal loans or even debit cards can be beneficial for some people who want to make purchases but don’t have access to credit cards.

EMI Cards to buy a mobile on EMI without a credit card

The EMI card is a pre-approved loan with which you can make purchases and convert them into easy EMIs. Most leading banks that provide consumer durable loans provide EMI card facilities.

EMI cards have the facility of No Cost EMIs, which mean that they don’t charge interest. You just have to pay the cost of the product you purchase in installments. Any individual who has a regular income and is between the age of 21 years to 60 years can apply for an EMI card.

To get an EMI card you just need your Pan card, Aadhar card, a cancelled cheque and a passport size photograph and your ECS mandate duly signed.

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Husnain Seo

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