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Thanks for writing in.
We understand your concern that you want to know about Cardless Card feature available on the Flipkart App.
Here are some points to note about the Cardless Credit:
* Bill will be generated on the 1st of the month for all purchases made in the previous month.
* The repayment date will be on or before the 15th of the month.
* Interest charges levied on the instalments will vary based on the EMI tenure (the EMI tenure ranges between 3 - 12 months (3, 6, 9 and 12 months) and the interest rates vary between 14% - 22% based on the tenure)
* Customers who have availed this benefit can clear their dues using either a Debit Card or Internet Banking (Credit card and other modes of payment will be unavailable to make the payment)
* Partial payment option is NOT available.
* There would be a nominal late payment charge of Rs. 200, if a customer fails to make the payment by the 15th of the month.
* This is called out in the terms and conditions and will be shown as a reminder notification on the app too.
* If a customer defaults consecutively, his Cardless Credit option would be disabled.
Hope this helps.
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