It's worth noting that usually when you pay by credit card for goods over £100, the credit card provider is jointly liable under S75 Consumer Credit Act 1974 but there is a third party exclusion.
The lowest price of Vivo Y81 (4GB RAM, 32GB) is ₹ 10,490 at Amazon on 3rd February 2025. This Phone is available in 1 other variant like 3GB RAM + 32GB Storage with colour options like Black and Gold.