Need help in deciding

Hi folks, writing my first thread, need your help, pls advise
I need to gift my wife a phone,.her old phone (iphone 6s) is almost 4.5yrs old…

As per my budget and wife’s liking below are two phones and a third I hope to ..

1) Redmi k20 pro (6GB, 128GB)
2) One plus 7T (8GB, 128GB)

Third is OnePlus 8pro

I know it’s way over my budget…
But in either cases I intent to go for Bajaj finserv (no cost emi)

In the first two cases EMI is coming between 3k -3.5k.. and for third it’s 5k

Real confused which to go for