Customers ask us this every single week. The short answer: it depends on what you already own.
Zero-cost EMI
No-cost EMI splits the price with no interest ÔÇö but the discount you would have got as an instant cash price is usually absorbed into the instalments. Great for cash-flow, not a discount.
Exchange
Exchange gives you instant credit for your old phone against the new purchase. In 2026, flagship trade-in values on Apple, Samsung and OnePlus are the best we have seen.
Our honest recommendation
- Old phone worth more than Ôé╣15,000? Exchange it.
- No old phone but want low monthly outflow? Zero-cost EMI.
- Want both? Many flagships let you combine exchange and EMI.
Bring your phone in for a free valuation ÔÇö no obligation, and the quote is valid for 7 days.