How to buy on cardless EMI without Debit & Credit Card?

If you are looking to buy a phone on EMI without using your credit or debit card, then you might have to research about the best alternatives. 

However, we have listed below various options that you can opt for to buy a phone without using debit or credit cards. 

With the advancements of technology in the market, it has now become more comfortable for anyone to apply for short-term loans or opt for cardless EMI options when buying a smartphone. 

Everything has become simpler and faster if you compare the options that you have with the choices you used to have a decade ago.

Best Alternatives for Cardless EMI Options

Here are some of the best alternatives available for you to opt for cardless EMI options and buy a phone that you prefer:


It is one of the best ISO recognized platforms that offers you a credit that you can use to buy a phone. 

You can also opt for pay later options that this platform and turn it into flexible EMIs as per your convenience.

You can explore the online platforms that have tied up with Emibaba and then choose to buy your products. 

All you have to do is open the e-commerce portals like Flipkart, Amazon, etc., select the product that you want to buy, and place the order. 

Along with this, don’t forget to complete the cardless EMI application, upload the necessary KYC-related documents like Pan Card, residence proof, Bank statements, salary slips, and IT returns, and checkout without using any debit or credit card. 

The product will be delivered at your doorstep, as promised by the company.


Have you selected a phone that you want to buy? What’s stopping you from ordering the phone? 

Don’t have sufficient balance on your account? Have you exhausted your credit limit that’s stopping you from using your credit card? 

If you’re going to buy a phone and above-listed reasons are stopping you from buying it, then it’s time for you to use the Snapmint platform. 

cardless EMI

Snapmint platform offers you a credit limit, which you can use to buy a phone as you desire at any given time during the year. 

You don’t have to use any cards or opt for any personal loans to obtain your desired phone. All you need to do is register in the portal, check the limit that they are offering to you, and opt for the flexible cardless EMI options. 

The phone that you have ordered without using your credit or debit will be delivered to your address as committed.


Just like Emibaba, you can also use the EMIStores platform that allows you to buy a phone without using any credit or debit cards. 

You will have to complete the registration procedures wherein the platform collects all the required information from your end and analyzes your credit score to offer you a short-term loan. 

You can use this short-term loan to buy your selected phone, which means you need not have to use your credit and debit cards to pay the amount of the phone. 

If you are unable to pay the entire amount, then you can also convert it into flexible cardless EMI and pay it in installments.


Don’t have funds to buy a phone in your debit or credit card? Don’t worry; ZestMoney is always there to help you out in such circumstances.

When you are looking forward to buying a phone but don’t have money in your debit or credit cards, you can register yourself in the zest money website or app that allows you to purchase your desired phone on EMIs.

You need to complete the registration process by visiting the official website or application of zest money. 

To complete the registration process, you will have to upload all your KYC-related necessary documents and set up automatic repayments to begin using the allocated credit limit. 

Then, you can visit the merchant site from where you want to purchase a phone and make payment by using the credit limit that zest money offers. 

This helps you in paying for the entire amount of phone without using your credit or debit cards. 

Also, you can convert the amount into flexible EMIs by opting for the best mobile phone cardless EMI options as per your convenience.


Now, you can avail up to a lakh rupee by visiting the official app or website of Nirafinance and registering yourself with them. 

With the credit limit offered by the financial institution, you need not have to use your credit and debit cards to pay for the expense that is incurred in buying a phone. 

You will have to download the official app of Nirafinance and complete the required steps asked by the company for identification purposes. 

Then, you must submit the necessary KYC-related documents to validate your provided information and then complete the setup procedures, allowing the company to debit the cardless EMI from your official bank account directly. 

By doing this, you can now buy a phone on EMI without using credit or debit cards in the first place.


Why use your credit or debit card to buy a phone when you can easily avail a credit limit from LazyPay. 

Considered to be one of the best platforms for Indians, LazyPay offers you two options when you want to buy a phone:

(i) Pay in installments every month wherein the company deducts the EMI directly from your official bank accounts, or

(ii) Buy the smartphone now and pay later within 30-45 days as per your convenience. In both cases, you need not have to use your debit or credit cards.

You will have to register yourself on the online platform to get the credit limit that the company is offering. 

Then, just like any other application, you will have to complete your registration process, upload the necessary documents, and get yourselves validated to avail the loan. 

Once the registration is completed, the company offers you a credit limit that you can use to buy a phone and pay as you wish. 

Visit the merchant site that has tied up with Lazypay and choose for the EMI option when you are checking out. The product will be delivered to you as promised by the merchant.


These are some of the leading platforms that allow you to buy a mobile phone on EMI without using your credit and debit cards. 

Make sure you have all the required documents ready and have selected the phone that you want to buy.

Post Comment