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iPhone 15: Who is buying? And What Credit Card Should One Use For Maximum Value Back?
The base iphone 15 is actually better than the 14 pro in almost every way except for the refresh rate. So I'd recommend anyone who still has a working phone to hold out on buying an older iphone to save money. Otherwise just get a base model iphone 15.
no bro . 3% is mentioned even for CC . but 3% is never applied TBH. only processing fees and pro rata interest is applied !
I even know a trick to get pro rata interest and processing fees waived off ..
If anyone can get 14 pro from USA/Dubai , they can go for it in 70k . else in India, 15/15+ is best value deal TBH. I was expecting 13 at 42k and 14 at 48k . Disappointed with 13 Amazon deal, let's see how Flipkart do with 14 . Already messed up the 12 deal.
In these sales they are combing exchange bonus and bonus discount on EMIs too while quoting the offer price , which is ridiculous !!
harsh1387
TF Ace
99% 14 will be 49999 after EMI discount and exchange bonus judging by the sale criteria going on this year.
Kotak and ICICI , no EMI cancellation charges. Even GST reversed.
SBI won't allow cancellation unless refund and u can only foreclose .
Axis allows EMI cancellation but processing fees and GST component on that isn't reversed.
HDFC charges processing fees and pro rata interest .
For other banks , I haven't cancelled EMIs . And yeah Indusind also I guess allows free cancellation .
i was hoping 48k and that too without this exchange chu***apa . Like simple it was last year . But this year BBD is full of shitty deals and jacked prices. I have anyhow placed order for 15 on Croma .
S23 FE and Pixel 8 launch prices are also on the roof . 15 seemed a better option to have !
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Are you going for NCEMI for 15 on croma ?
Subtotal | ₹79,900.00 | |
EMI | ₹71716.75 | |
Delivery Charges | ₹0.00 | |
Savings | ||
Instant Cashback | −₹8183.25 | |
Net Total | ₹71,716.75 |
So 750 neucoins in neu app and 1.5% neucoins from Neu card makes my purchase cost less than 70k
Anyone bringing the phone from outside India should note that if they don’t bring the box with them, then selling the phone next year or after 2 years will fetch even less amounts (at least 5-10k). It only makes sense for the Pro/Pro max and that too only if you’re gonna use them long term or pass it to family.
Some people manage to sneak in the box while others throw the box before travelling. It is not a general rule.
Oh and btw, the 15 Pro heats just as much as the 14 Pro for me and for some reason surprisingly lesser than the Fold 5. It is super light (iPhone 5 kinda) and feels great to hold.
I have been down with fever since two days and have not left the room (no fan, no AC, hell no light 😂) and the phone has not once overheated, with or without charging and using. And the battery is outright great rn.
Some people manage to sneak in the box while others throw the box before travelling. It is not a general rule.
Oh and btw, the 15 Pro heats just as much as the 14 Pro for me and for some reason surprisingly lesser than the Fold 5. It is super light (iPhone 5 kinda) and feels great to hold.
I have been down with fever since two days and have not left the room (no fan, no AC, hell no light 😂) and the phone has not once overheated, with or without charging and using. And the battery is outright great rn.
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Literally they’re showing effective prices combining the exchange bonus too like until last year effective prices were inclusive only of Card discounts but this year it’s lame! I mean last year Iphone 12 on Amazon I remember went for 39999 without any card discount.
Plus on Flipkart i was able to grab Iphone 13 for only 32500 with exchange value of 15k so basically without exchange it was 47500. This year getting iphone 13 for 43500 with card discount is not a big discount !! People who have a budget constraint can go for it definitely!
Flipkart has released banner of Iphone 14 stating 4____ so it should be 49999 effectively with bank and exchange bonus discount which means somewhere 53k if we exclude the exchange bonus discount. I think for people confused between Iphone 13 & 14 who do not have a budget constraint should go for 14 and the reason i say this is by paying somewhat 10k extra will fetch you a better resale value for it in the coming years.
Why are you counting 1.5% neucoins it will be 1.5% base neu coins and 3.5% bonus on Infinity and on plus it will be 1% base and 1% bonus.
So basically for infinity you get 4335 neu coins
For plus you get 2184 neu coins
Two are inclusive of 5% extra neu coins upto 750
bro i have placed an EMI order . on EMI order u get 1.5% not 5%.. Read earlier comments .
it was 39990 with 1500 card discount . price was 41.5-42k for 12 on Amazon .
and on top of that , i think 13 will have just 1500 off , not 2500 as teased . bcoz 500 extra for 9 months emi and 500 extra for 18 months emi have been included in that quote . so 13 will cost u 44.5k . i was willing to shell 40-42k at max for 13 . that's why after seeing such price , i ordered 15.
15 is anyday a better upgrade if going to keep it in long term !!
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Exactly!! Honestly what I’ve felt is that it’s best to buy last years Iphone model in BBD/GIF sales cos with exchange of 3/4 years old Iphone you get extra 12-18k off. And effectively you pay around or less than 35k. This is I believe is the most value for money way to keep an Iphone and sell for a new one later.
Now with introduction of the Plus series I believe one can also go for the added size if needed! I personally find any phone more than 6” in display too big to be a daily driver but yes some people have a good use of the extra size also elder ones who use it to consume media it’s good for them so this year 45-50k with exchange of old Iphone i feel was a good deal for Iphone 14 Plus
But since apple brought such a big change with the Dynamic island and usb type C to the 15 model what I believe is that resale value of iPhones before 15 will drop coz these are not small changes like change in camera alignment or contouring the edges of the Iphone. So if one could shell extra 20k they will not only be easily comfortable with using the phone for 4 years atleast but also will be able to sell it for 15-20k even when Iphone 19 is launched.
Coz from the leaks it is appearing that after this big change Apple next year will be subtle and will only again change the camera alignment back to Iphone 11 one!! In 17/18 they might start to bring the 90hz refresh rate and in 19 leaks suggest dynamic island will be reduced to punch hole and front camera built in display
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So i am buying Iphone 15 plus for my mother at 72248 with 24 month DCEMI on Amazon! Plus i am selling her iPhone XR for 12800 on Cashify so that makes the effective price just 59500~ 60K which I believe is a better deal than Iphone 14 plus at 50k on BBD with exchange and all.
What i am confused about is if i cancel the DCEMI next day will the upfront discount of 12651 provided be reversed and i will have to pay the 84900 or after cancellation i will only have to pay 72248+processing fee of 118+interest accrued on pro rata basis?
I am also fine if they charge 3%+GST as foreclosure but i just hope it does not go back to 84000.
Another question is since it’s DCEMI I believe after cancellation of EMI the amount will be automatically debited from my account right?
Cancel after a day . No issues . Amount will be the same which u paid in first place .