The tech world’s focus has shifted to Croma this week as the Tata-owned retailer kicks off its Everything Apple Sale, running from February 20 to March 8, 2026. While Apple products are notoriously price-resilient, Croma is utilizing a “layered offer” strategy to bring current-gen hardware down to mid-range prices.
From students looking for the efficiency of M4 silicon to professionals eyeing the ultra-thin iPhone Air, the sale covers the entire 2026 Apple portfolio.
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iPhone 16: Dissecting the ₹35,991 Price Tag
The headline deal for the iPhone 16 (128GB) involves a multi-step discount process. To reach the sub-₹36,000 price, buyers must navigate the following stack:
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Discounted Price (MOP): ₹63,490 (down from ₹69,900).
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Exchange Value: Up to ₹16,000 for your old smartphone.
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Exchange Bonus: An additional ₹6,000 flat bonus.
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Coupon Discount: Up to ₹1,500 via Croma Unboxed codes.
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Tata Neu Benefit: Up to ₹3,999 in NeuCoins.
iPhone 17 and iPhone Air: The 2026 Flagships
For those wanting the latest iPhone 17 series (launched September 2025), Croma has equally aggressive offers. The iPhone 17, featuring the 120Hz ProMotion display and the 3nm A19 chip, can be grabbed for an effective ₹44,768.
Meanwhile, the sleek iPhone Air—Apple’s thinnest-ever phone—is part of a premium “Essential Combo.” Buyers picking up the 512GB variant of the iPhone Air or the iPhone 17 Pro receive AirPods Pro 3 and AppleCare+ at no additional cost, a bundle valued at over ₹12,000.
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MacBook Air M4: Best Value for Students
The MacBook Air M4 (13-inch) remains the king of productivity for 2026, now shipping with 16GB RAM as standard. The student and teacher price of ₹88,911 can be whittled down to ₹59,320 by:
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Trading in an old laptop (Value up to ₹13,000).
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Availing the ₹10,000 exchange bonus.
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Using an HDFC Tata Neu credit card for 10% back in coins (approx. ₹6,591).
Reality Check
The “effective prices” are predicated on having a relatively modern device in excellent condition for exchange. Still, even without a trade-in, the instant bank discounts and NeuCoin rewards bring these devices well below their standard market rates. In fact, for an iPhone 16, a straight purchase with an HDFC card still lands you at an attractive ₹37,990 effective cost.
The Loopholes
The biggest “loophole” in this sale is the Tata Neu Coin system. In fact, while NeuCoins are as good as cash within the Tata ecosystem (BigBasket, Westside, etc.), they are not a direct cash discount on the phone’s invoice. Therefore, your out-of-pocket expenditure at the counter will be higher than the “effective price.” Still, for frequent Tata shoppers, this is a 1:1 value proposition that effectively pays for months of groceries or lifestyle needs.
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What This Means for You
If you are planning an upgrade, the iPhone 17 deal at ₹44k is arguably the smarter long-term buy due to the 120Hz display upgrade over the iPhone 16. First, check your Tata Neu app for any existing coins that could further lower your cost. Then, if you are a student, ensure you have your institutional ID ready, as Croma’s verification for the M4 MacBook deal is stringent during this sale period.
Finally, realize that the iPhone 17 Pro/Air bundle with free AirPods is only valid on 512GB+ models. You should calculate if the extra storage and freebies outweigh the higher base price. Before heading to the store, use the Croma online exchange tool to get a tentative quote for your current device to avoid surprises at the billing counter.
What’s Next
The sale concludes on March 8, 2026. Then, expect a brief price stabilization before the rumored “Spring Event” in late March, where Apple may debut the iPhone 17e and new iPad models. Finally, look for Amazon and Flipkart to announce their own “Apple Days” to compete with Croma’s aggressive offline-online hybrid pricing.
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