If you’re buying an Android phone in India, chances are you have a budget in mind and have a large variety to choose from.

Maybe you’ve already made up your mind, but your dream Android smartphone doesn’t quite fit your budget. You always have the option to purchase a new smartphone on EMI. Are you wondering how that’ll happen? Allow me to introduce MoneyTap. MoneyTap is a credit line app that allows you to secure a personal line of credit for an amount as low as Rs. 3000. You are charged interest only on the amount you borrow and not the entire approved limit.

Apps like MoneyTap offer mobile loans that allow you to get the smartphone you’ve had your eye on all this while. You have the easy option of paying back with EMIs. And the best part is that you can buy your choice of trusted android smartphone on EMI without a credit card!

Now that you’re sorted in how you can pay for your new swanky Android smartphone, here are the top picks are the moment:


Oneplus 7T Pro Front & Back Look

This is Oneplus’s flagship device that will offer a triple rear camera. The phone also comes with an AMOLED display and a 90Hz refresh rate.

Price: Rs 53,999

Key Features:

  • Processor: Qualcomm Snapdragon 855 Plus
  • Battery: 4085 mAh
  • Display: 6.67 inches
  • RAM: 8GB
  • Front Camera: 16 MP


Realme Front & Back Look

Realme is Oppo’s sub-brand. It is the company’s first smartphone to have a popup selfie camera along with a dual rear camera setup.

Price: Rs 14,975

Key Features:

  • Processor: Qualcomm Snapdragon 710
  • Battery: 3765 mAh
  • Display: 6.653 inches
  • RAM: 4GB
  • Front Camera: 16 MP


Samsung Galaxy Note 10 Plus Front & Back Look

This is Samsung’s biggest and most powerful phone yet. It is easy to fall in love with the screen, and the Aura glow glass back if you’re into smartphone opulence. 

Price: Rs. 79,999

Key Features:

  • Processor: Android 9
  • Battery: 4300 mAh
  • Display: 6.8 inches
  • RAM: 12GB
  • Front Camera: 10 MP


Oppo Reno 3 Pro Front & Back Look

This phone was launched in China as a 5G enabled smartphone. It comes with a face unlock feature, an in-built fingerprint sensor, and an ambient light sensor.

Rs. 29,990

Key Features:

  • Android 10
  • 4025 mAh
  • 6.40inches
  • 8GB
  • Camera: 44 MP

5. Realme X2 Pro

Realme X2 Pro Front & Back Look

The Realme X2 Pro has a super AMOLED display. It is the perfect combination of value and performance. 

Price: Rs. 29,999

Key Features:

  • Android 9
  • 4000 mAh
  • 6.5 inches
  • 8GB
  • Camera: 16 MP 

There you have it. You can make your selection from the above list. However, if you’re in search of a phone within a specific budget of below Rs 20,000, make sure to give this a read: Top 5 Android Smartphones Under 20K.