Synopsis: Planning to buy the iPhone 17? Here are the best credit cards offering easy EMI options to make your purchase smooth and affordable.
The recently launched iPhone 17 starting at price ₹82,900+ is a dream for many, but not everyone has the amount ready when they want to buy it. But that doesn’t mean that you cannot purchase your dream phone at all. Using a good credit card can help you cover the cost of your gadget over months.
Thanks to the EMI feature, now students and people with regular income can buy these high-priced gadgets without stressing and can even get cashback or reward points on Apple Store or partner platforms. As per the recent data over 25% of iPhone buyers opted for EMI or loan. All you need is a good credit card.
Listed below are the 5 best credit cards that provide the most value when buying an iPhone 17 especially for EMI, cashback, and long-term affordability.
1. SimplyClick SBI Credit Card
Joining & Annual Fees
- Joining fee: ₹499 + taxes
- Annual fee: ₹499 (waived off after spending above ₹1 lakh yearly)
EMI Benefits
- EMI options available on selected Apple stores (POS), online LFRs & websites like Pine Labs, Ezetap, Paytm aggregators, Amazon & Flipkart
- Get maximum discount up to Rs 10,000 per card on selected apple products (valid from 12th September to 27th December 2025)
Other Benefits
- Get Amazon e-voucher worth ₹500 as a welcome gift after the annual fee payment
- Earn 10X Reward Points on spending on partnered platforms like Apollo 24×7, BookMyShow, Cleartrip, Yatra Dominos, IGP, Myntra, Netmeds
- 5X reward points on other online spends (1 reward point per Rs.100 spent)
- 1% fuel surcharge waiver (min. Transaction should be Rs 500-Rs 3000)
Who should get this: Buyers who want direct cashback on the phone and long EMI conversion
2. Amazon Pay ICICI Credit Card
Joining & Annual Fees: No Joining & Annual fees
iPhone 17 EMI Benefits
- EMI available on Amazon, Flipkart & offline Apple Stores
- Up to ₹3,000 instant cashback (Offer Validity: Sep 19 to Dec 27, 2025)
- iPhone 17 EMI starts at just ₹2,591
Other Benefits
- Welcome reward worth Rs 2,500
- 1 % Unlimited rewards on spending outside Amazon
- 4% cashback on iShop.
- Unlimited rewards up to 5% on purchasing via Amazon
- Lower Forex markup at 1.99%
- 1% fuel surcharge waiver
3. ICICI Emeralde Private Metal Credit Card
Joining & Annual Fees: Invite only card
iPhone 17 EMI Benefits
- Instant cashback of Rs 5000 on iPhone 17 pro max purchase via official website of Apple
- This card offers 6 reward points per Rs 200 spent i.e 3 reward points per Rs 100. Adding this to the cashback of Rs 5000 you can save maximum on purchasing iPhone 17 pro max.
Other Benefits
- 12,500 Reward Points as a joining bonus
- Complimentary Taj Epicure Plus Membership
- Complimentary EazyDiner Prime Membership
- Unlimited Golf rounds per month
- Unlimited airport lounge access on domestic flights
- Get up to ₹750 off on booking movie tickets through BookMyShow
- Get 2 EaseMyTrip vouchers on spending above Rs 8 lakh annually
- 1% fuel surcharge waiver
4. Axis Bank Magnus Burgundy Credit Card
Joining & Annual Fees
- Joining fee: ₹12,500 + Taxes
- Annual fee (₹12,500) waived on spending above ₹25 Lakhs per year
iPhone 17 EMI Benefits
- Get Rs 5000 instant cashback on purchase of any Iphone 17 pro
- Up to 6 month no-cost EMI option
- Instant discount of ₹10,000 on apple products purchased through Apple store
Other Benefits
- Complimentary welcome gift voucher worth ₹12,500 on the Postcard Hotels gift voucher or Yatra gift voucher
- 4 complimentary international lounge visits per year
- Unlimited domestic airport lounge access
- Up to 15% off on Trident Hotels and Oberoi hotels (both domestic and international)
- Get up to 30% discount at 4,000+ restaurants across India
5. Flipkart Axis Bank Credit Card
Joining & Annual Fees
- Joining fee: ₹500+ taxes
- Annual fee: ₹500 (waived off for First-year free cards)
iPhone 17 EMI Benefits
- 5% cashback (approx. Rs 4,145) on full payments using Axis Bank Flipkart
- EMI options available for a tenure period of 3/6/9/12/18/24 months at 16% p.a.
Other Benefits
- Welcome benefit worth ₹350 on your card
- 5% cashback on Flipkart and on spending on Cleartrip (capped at Rs 4000)
- 7.5% cashback on purchasing through Myntra (capped at Rs 4000)
- Unlimited 4% cashback on selected merchants
- 1% unlimited cashback on eligible categories
- 1% fuel surcharge waiver
Also Read: 6 Best Travel Credit Cards in India for 2026: Perfect for Frequent Flyers and Global Travelers
Conclusion
Choosing the right credit card for buying an iPhone 17 depends on whether you want No-Cost EMI, cashback, or instant discounts. Cards like HDFC Millennia and Axis Flipkart are great for online purchases, while SBI Card and ICICI Apple co-branded options are better for in-store Apple purchases. Compare fees, EMI tenure, and benefits before applying to maximise savings.
FAQs
1. Which credit card is best for buying the iPhone 17 on EMI?
If you want no-cost EMI, Amazon Pay ICICI and Flipkart Axis Credit Cards are the best.
2. Do all credit cards offer EMI on the iPhone 17?
Mostly yes. Major cards offer EMI, but no-cost EMI depends on the merchant and ongoing offers. Regular EMI is almost always available.
3. Can I get cashback when buying the iPhone 17 on EMI?
Yes. Cards like the SBI SimplyClick Card and Flipkart Axis Card provide cashback on eligible transactions.
4. Is no-cost EMI really free?
Yes. Only if it’s a genuine no-cost EMI. But you should always check for the processing fees, GST, or down payment conditions.
5. Will using credit card EMI affect my credit score?
EMI itself doesn’t harm your credit score. But missing payments will. As long as you pay EMIs on time, it can even improve your score.
6. Which card gives the highest savings on iPhone 17 purchases?
Use Amazon Pay ICICI if buying on Amazon and Flipkart Axis Card if buying on Flipkart
Written By: Supriya
