30-40k Long lasting Samsung/Apple phone around 35k

[b33rus]

1. Budget?
A: 35k max

2. Preferred display size, type and resolution?
A: Oled

3. Preferred operating system? (Android (with version), iOS, etc).
A: any but 3 years update needed

4. Preferred connectivity options? (4G, 3G, 2G etc).
A: 5G

5. Do you have any brand preference or dislike? Please name them.
A: No Chinese company phones

6. What is your intended use for this phone (internet, camera, multimedia, mails etc.)?
A: Camera, mails and internet

7. Single SIM/ Dual SIM?
A: No preference

8. New or Used? Online or Offline?
A: New. Don’t mind buying online

9. Any other requirements?
A: should last atleast 3 years, good speakers

10. If you have already considered a phone, then please mention the model
A: iPhone 12(after it comes down in price when iPhone 14 launches), nothing phone 1, s20 FE(but it is almost 1.5 year old phone)

 

[john1911]

why buy on EMI? A colleague of mine lost his iPhone a week after buying it, and continued to pay EMIs till the loan was cleared. Buy what you can afford, esp., electronics.

Yes, I fully support that thing to buy only what one can truly afford on debit. I can afford this on debit and would prefer to but if I pay whole in lumpsum, I would have to pay 3000 extra. The 3000 cashback offer on HDFC Debit card is available only if one opts for 6-9month no cost EMI.

 

[singenaadam]

Yes, I fully support that thing to buy only what one can truly afford on debit. I can afford this on debit and would prefer to but if I pay whole in lumpsum, I would have to pay 3000 extra. The 3000 cashback offer on HDFC Debit card is available only if one opts for 6-9month no cost EMI.

they hope that you will "forget" to settle. take care

 

[john1911]

they hope that you will "forget" to settle. take care

I'm very inexperienced when it comes to EMIs. What's settle?

It says that ₹3457 will get deducted from my account each month for 9 months. That amounts to ₹31,113. I haven't done it yet, should I be worried? The alternative is to pay ₹34000 right now.

If there is something that I'm told explicitly to do, I'm posting I won't forget. The TnC read that I won't be having to do anything, EMI will be handled by bank and it will auto debit from my account.

 

[singenaadam]

settle in the sense complete the payments on time. nothing else.

chk my reply on this in another thread - I put in a coupon referral code for the app that gives an additional discount on the phone. Samsung shop app referral code : REFXBVB6D39G

I got a ~1780 Rs extra discount, over and above the 3k instant discount due to the HDFC credit card.

 

[john1911]

settle in the sense complete the payments on time. nothing else.

chk my reply on this in another thread - I put in a coupon referral code for the app that gives an additional discount on the phone. Samsung shop app referral code : REFXBVB6D39G

I got a ~1780 Rs extra discount, over and above the 3k instant discount due to the HDFC credit card.

How much did it cost you finally?

 

[rockstah]

Yes, I fully support that thing to buy only what one can truly afford on debit. I can afford this on debit and would prefer to but if I pay whole in lumpsum, I would have to pay 3000 extra. The 3000 cashback offer on HDFC Debit card is available only if one opts for 6-9month no cost EMI.

It shows cashback credit card for full swipe too, i think it's normal credit card payment.

 

[john1911]

It shows cashback credit card for full swipe too, i think it's normal credit card payment.

Yes, it does but only for HDFC Credit Card, not for debit card.

 

[rockstah]

Yes, it does but only for HDFC Credit Card, not for debit card.

You can ask from people here for that card and ask them order it. There's a thread for it