How to Purchase a Phone on EMI Without a Credit Card in India (2025 Guide)
Wanting the new smartphone but don't possess a credit card? You're not alone—many Indians are looking for a means to purchase a phone on EMI without a credit card in 2025. The plus side is, you don't have to let the absence of a credit card stop you from having that dream phone. Thanks to fintechs and new-age NBFCs, availing a smartphone on EMI without a credit card is easy, transparent, and affordable—even for a first-time borrower or someone with a thin credit history. Selecting the Right EMI Provider for No Credit Card EMI Mobile The initial step is to select a good EMI provider that does not use a credit card. Firms such as HDB Financial Services have established themselves by providing simple phones on EMI without credit card plans for mobiles and other electronics. For example, if you’re shopping on a platform like Amazon or Flipkart, or even at a local electronics store, you’ll see the EMI option listed—just select the no credit card plan. How to Select Your Phone...