Buying a premium foldable smartphone can be expensive, but Samsung has introduced a new ownership programme in India that could make upgrading to its latest foldable phones easier.

The company has launched Galaxy Forever for the Galaxy Z Fold8 and Galaxy Z Fold8 Ultra. The programme combines 24-month no-cost EMI, Samsung Care+ protection and an assured buyback value of up to 55% of the phone's invoice value.

What Is Samsung Galaxy Forever?

Galaxy Forever is designed for customers who want to use a premium Samsung smartphone without paying the entire cost upfront.

Under the programme, buyers can purchase an eligible Galaxy Z Fold8 series phone through a structured ownership plan. The offer includes:

• 24-month no-cost EMI

• Samsung Care+ protection

• Assured buyback value of up to 55%

• An option to upgrade after a specified period

This could be useful for customers who like changing their smartphone every couple of years.

Get Up to 55% Assured Buyback

The biggest attraction of the programme is the assured buyback facility.

Samsung is offering an assured buyback value of up to 55% of the device's invoice value, depending on the applicable terms. This gives buyers greater clarity about the potential value of their phone when they decide to upgrade.

Instead of worrying about finding a buyer for an expensive foldable phone later, customers have a predefined buyback option under the programme.

24-Month No-Cost EMI

The programme also offers 24-month no-cost EMI, allowing customers to spread the cost of the smartphone over two years.

This can make a premium foldable easier to purchase for people who prefer monthly payments rather than making a large upfront payment.

However, customers should carefully check the exact EMI amount, processing fees and other applicable terms before choosing the financing option.

Samsung Care+ Protection Included

Another major benefit is Samsung Care+ protection.

Foldable smartphones have more complicated hardware than conventional phones, particularly because of their flexible displays and hinges. Having additional protection can therefore be valuable for buyers who are concerned about unexpected repair costs.

The exact coverage and exclusions depend on the applicable Samsung Care+ terms.

Upgrade From the 10th Month

According to Samsung's programme details, customers can get access to an assured buyback option from the 10th month, with the value going up to 55% depending on the applicable conditions.

This means users don't necessarily have to wait until the end of the 24-month EMI period if they want to explore an upgrade.

The structure is aimed at customers who prefer upgrading to newer premium smartphones regularly.

Who Should Consider Galaxy Forever?

The programme could make sense for people who:

• Prefer premium Samsung smartphones

• Like upgrading every one or two years

• Want predictable upgrade costs

• Don't want to sell their old phone independently

• Prefer paying through monthly EMIs

• Want additional device protection

On the other hand, if you normally keep your smartphone for four or five years, buying the phone outright may still be worth comparing against the Galaxy Forever option.

Check the Terms Before Buying

The headline benefit of a 55% buyback value sounds attractive, but customers should look at the complete terms before making a decision.

The actual buyback amount, eligibility, device condition requirements, financing terms and upgrade process can affect the final value received.

Therefore, don't compare the programme only on the basis of the advertised 55% figure. Calculate the total amount you will pay over the ownership period and compare it with the cost of purchasing the phone outright.

Is Galaxy Forever Worth It?

Samsung's new programme could make premium foldables more accessible by combining financing, protection and a defined upgrade route.

For customers who frequently upgrade their smartphones, the 24-month no-cost EMI and assured buyback of up to 55% could be particularly useful.

But for long-term users who keep their phones for several years, it is worth comparing the total cost with a conventional purchase.

The biggest advantage of Galaxy Forever is not simply the EMI—it is the combination of financing, protection and a predictable path to your next Galaxy phone.