The answer is pretty simple, you can buy a smartphone on EMI using your No Cost EMI card if you have one. If you don’t have an EMI card, you can obtain one from different lenders offering it. As far as I know, Bajaj Finserv offers Bajaj Finserv EMI card which can be used for shopping on major e-commerce stores like Flipkart, Amazon, and Bajaj Finserv EMI store. Not just that, if you want to purchase a smartphone on EMI from an offline store, you can do so using your Bajaj EMI card. All you have to do is log on to the Bajaj Finserv website and find the list of partner EMI stores where the EMI card is accepted, locate the nearest one and visit the store to purchase your desired smartphone on EMI without using a credit card.
Not just that, you can visit the partner EMI stores and obtain a No-Cost-EMI card then and there.