Best time to buy a Samsung Galaxy phone is now: Z Fold8 Ultra, S26 Ultra, S26 FE and more get big discounts

There is a point every festive season when you start wondering if it is finally time to replace your old smartphone. The problem in 2026 is that getting a good smartphone at a good price isn’t as easy as it used to be. With phone prices putting pressure on buyers’ budgets, festive offers have become all the more important. This is where Samsung’s current Galaxy line-up enters the picture. The company is highlighting festive benefits across its Galaxy Z Fold series, Galaxy S26 series, and Galaxy A series, with No Cost EMI options and instant cashback on eligible models. If you’ve been waiting for the right time to buy a Samsung Galaxy phone, these offers are worth a closer look.

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Galaxy Z Fold8 Ultra is the one for buyers who want everything

At the top of Samsung’s foldable range sits the Galaxy Z Fold8 Ultra. As part of Samsung’s festive pricing, the Galaxy Z Fold8 Ultra and Galaxy Z Fold8 are being offered with starting EMIs of just 2,525 per month alongside No Cost EMI options of up to 40 months and instant cashback of up to Rs 5,000 on eligible purchases. This gives buyers considering a premium foldable another way to approach the purchase, instead of focusing only on the upfront cost.

The Galaxy Z Fold8 Ultra has an 8-inch main display, a 200MP primary camera, and a 50MP ultra-wide camera. It is powered by the Snapdragon 8 Elite Gen 5 for Galaxy and comes with a 5,000mAh SiC battery with 45W fast charging. It is also just 4.1mm thick when unfolded and weighs 215g.

Overall, the Galaxy Z Fold8 Ultra brings Samsung’s biggest foldable display experience together with flagship hardware and cameras. For someone already considering a premium foldable, the combination of the festive starting EMI and the additional benefits makes the Galaxy Z Fold8 Ultra worth considering. Do check the applicable terms before purchasing, as the final offer depends on eligibility.

Galaxy Z Fold8 is for those who want a new foldable experience

If you still want a foldable but are looking for something with a fresh form factor, the Galaxy Z Fold8 is worth considering. It is included in the same Rs 2,025-per-month starting EMI offer, alongside No Cost EMI options of up to 40 months and instant cashback of up to Rs 5,000 on eligible purchases, giving buyers another way to explore Samsung’s foldable range during the festive season.

The Galaxy Z Fold8 has a 7.6-inch main display when unfolded and a 5.4-inch cover display for regular smartphone use. It weighs just 201g, making it Samsung’s lightest Galaxy Z Fold yet, and is powered by the Snapdragon 8 Elite Gen 5 for Galaxy. It also gets a 4,800mAh SiC battery, up to 1TB of storage, and dual 50MP rear cameras.

The larger inner display makes it particularly useful for multitasking, reading, watching content, and working on the go. If you have been waiting to make the switch to a foldable, the festive EMI offer and Galaxy Forever benefits provide additional reasons to look at the Galaxy Z Fold8.

Galaxy S26 Ultra gets festive EMI and cashback benefits

For buyers who want Samsung’s most feature-packed traditional smartphone, the Galaxy S26 Ultra is the obvious option. Samsung’s festive offers highlight starting EMIs of Rs 2,000, alongside No Cost EMI options of up to 40 months and instant cashback of up to Rs 15,000 on eligible purchases.

The Galaxy S26 Ultra brings flagship hardware powered by the Snapdragon 8 Elite Gen 5 for Galaxy, a 200MP quad-camera setup, S Pen support, and configurations offering up to 16GB RAM and 1TB storage. The rest of the package is equally high-end, with a 6.9-inch Dynamic AMOLED 2X display, a 5,000mAh battery, and 60W fast charging. The camera system also includes a 50MP ultra-wide and dedicated telephoto cameras, giving it the flexibility you’d expect from Samsung’s top-end phone.

The festive benefits make the Galaxy S26 Ultra worth checking out if you have been planning to upgrade to a premium flagship.

Galaxy S26 FE could be the middle ground to watch

The Galaxy S26 FE is aimed at buyers who want a large-screen Samsung phone with several flagship-style features but don’t necessarily want to spend Ultra money. Samsung’s festive pricing highlights starting EMIs of Rs 950 per month, with instant cashback of up to Rs 7,000 and No Cost EMI options of up to 40 months, subject to applicable terms.

The Galaxy S26 FE comes with a 6.7-inch Dynamic AMOLED 2X display with a 120Hz refresh rate and up to 1,900 nits of brightness. Under the hood is Samsung’s Exynos 2500 chip, while the camera setup includes a 50MP OIS main camera, a 12MP ultra-wide, and an 8MP telephoto camera with 3x optical zoom. There is also a 4,900mAh battery with 45W wired charging.

That makes the Galaxy S26 FE an interesting middle ground in Samsung’s line-up. If you want a premium Galaxy experience without stretching to the Ultra, the combination of a much lower starting EMI and additional eligible cashback could make this a good time to consider the phone.

Galaxy S26 gets a more accessible route into flagship features

The Galaxy S26 is another option for buyers who want flagship hardware in a relatively compact body. Samsung’s festive offer lists the Galaxy S26 at EMIs starting from Rs 1,250 per month, alongside No Cost EMI options of up to 40 months and instant cashback of up to Rs 13,000 on eligible purchases.

The Galaxy S26 packs a 6.3-inch Dynamic AMOLED 2X display with a 120Hz refresh rate, the Exynos 2600 chip, and a triple-camera setup led by a 50MP main camera with OIS. There is also a 4,300mAh battery, wireless charging, and Samsung’s latest Galaxy AI features.

Its smaller form factor makes it an option for buyers who want a premium smartphone without the size of a larger flagship. With the festive financing and cashback benefits, the Galaxy S26 deserves a place on the shortlist for anyone considering an upgrade this season.

Galaxy A57 brings premium features to a wider audience

Samsung’s A series is also worth looking at if you want a current Galaxy phone without moving into the flagship segment. The Galaxy A57 features in Samsung’s festive campaign with starting EMIs of Rs 787. Also highlighted are No Cost EMI options of up to 40 months and instant cashback of up to Rs 8,500, across eligible offers, subject to terms.

The Galaxy A57 comes with a 6.7-inch Super AMOLED Plus display, an Exynos 1680 processor, a 50MP main camera and a 5,000mAh battery. Samsung also claims up to two days of battery life under its stated usage conditions, while 45W charging can take the battery to up to 60 per cent in around 30 minutes.

There is also the longer-term appeal of Samsung’s software support, with the A57 promised six generations of Android OS upgrades and six years of security updates. For someone who wants to keep their next phone for several years, the latest festive deal makes the Galaxy A57 worth considering now rather than waiting indefinitely for another offer.

Galaxy A37 brings the A-series experience for less

The Galaxy A37 takes a similar approach, with a 6.7-inch FHD+ Super AMOLED display, a 5,000mAh battery and a 50MP main camera. It is designed around everyday use rather than outright flagship performance, which is exactly why the A series appeals to a wide range of buyers. It also gets 45W fast charging, a triple-camera setup, and six years of software and security support.

The Galaxy A37 is included in the Rs 650-per-month starting EMI offer. Buyers can also check the available No Cost EMI options of up to 40 months and cashback benefits of up to Rs 4,000 on eligible purchases.

If you are looking for a current Samsung phone with a large AMOLED display and a dependable set of everyday features, the Galaxy A37 is worth a look. The festive EMI offer adds another reason to compare it with the A57 before deciding which model suits your needs.

Galaxy A27 is another option for budget-conscious buyers

Then there is the Galaxy A27, which comes with a 6.7-inch 120Hz Super AMOLED display, a Snapdragon 6 Gen 3 processor, a 50MP OIS main camera, and a 5,000mAh battery. There’s support for 25W fast charging, and the phone comes with 6GB RAM and 128GB storage in its entry-level configuration. Samsung is also promising up to six generations of Android OS upgrades and six years of security updates, which is worth considering if you plan to keep your phone for a long time.

Samsung’s festive campaign lists the Galaxy A27 with a starting EMI of Rs 937 per month, along with up to 40 months No Cost EMI options, and cashback benefits of up to Rs 2,500 on eligible purchases. This gives buyers another great option if they want a large-screen Galaxy phone without stepping up to the higher-priced A-series models.

For those who want a capable everyday phone with a large AMOLED display, OIS-enabled main camera and long-term software support, the Galaxy A27 is worth considering.

So, when is the best time to buy a Samsung phone?

If you’ve been waiting for the right moment to upgrade to a Samsung phone, the festive campaign gives you several offers to consider across the Galaxy range.

The Galaxy Z Fold8 Ultra and Fold8 are listed with starting EMIs of Rs 2,025 per month. The Galaxy S26 and S26 Ultra start at Rs 1,250 per month, while the Galaxy S26 FE starts at Rs 950 per month. On the A series, the Galaxy A57 and A37 start at Rs 650 per month, while the Galaxy A27 starts at Rs 937 per month.

There are additional benefits to consider, too. Samsung’s campaign highlights No Cost EMI options of up to 40 months and instant cashback of up to Rs 15,000 on eligible models.

There is also a good reason not to sit around waiting for the “perfect” deal. Offers can change, stocks can move quickly, and some benefits are tied to specific cards, exchange deals, or limited-time promotions. If the Galaxy phone you’ve been eyeing is already available at a price you’re comfortable with, there isn’t much point in holding off just to save another few thousand rupees that may or may not come off later.

And that is probably the biggest takeaway from Samsung’s current festive offers. With discounts, No Cost EMI options and instant cashback across its Galaxy range, there are several ways to make your next upgrade more affordable. The Galaxy Z Fold8 Ultra and Z Fold8 cater to buyers looking for a premium foldable; the Galaxy S26 Ultra and S26 offer Samsung’s top-tier flagship experience; the Galaxy S26 FE sits somewhere in between, while the Galaxy A57, A37 and A27 give buyers more accessible entry points in Samsung’s Galaxy ecosystem.

Just check the final price, factor in any No Cost EMI, cashback, bank or exchange offer you’re eligible for, and if the numbers work for you, go for it.