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Hi Diwakar,

Thanks for writing in.

We would like to let you know that 'Cardless Credit' is a new payment mode available on Flipkart Android app that allows you to shop and repay for the purchases through a single payment or hassle-free easy instalments.

This payment option is powered by the financing partner, Kissht and it is mandatory to have documents like Aadhar and a savings account to apply.

We would like to let you know that at the moment, Cardless Credit as a payment mode is available for a few customers. We ’re working with the financing partners to expand this to all customers.

Important points related to Cardless Credit payment mode Related :

1. Cardless Credit will help you to purchase select products on EMI without having a credit card

2. You would get this feature if you are eligible based on your shopping history with Flipkart

3. Once you enter PAN and Aadhaar details on the 'Cardless Credit Application' page, you will get a confirmation of your eligibility within 60 seconds

4. Credit card issued by bank is not required to avail this facility

5. Flipkart customers who are part of the Buy Now Pay Later (BNPL) payment facility will be exempted from this feature

6. The feature can be used only for shopping with Flipkart

7. This is currently available only on the Flipkart App - Android OS only

8. In the current phase, this feature would be available for approximately 2 million customers

9. The minimum credit limit offered is Rs. 20000

10. The maximum credit limit offered is Rs. 60000

11. Your KYC verified by an OTP is mandatory

12. Availability of the feature is at the sole discretion of Flipkart

13. You can use this either as a credit card or to avail EMI option

Here is how you can claim Cashless Benefit :

* Go to My account and Click on View details next to Cashless Credit
* Click On ‘Apply Now’
* Enter Your PAN Number and Aadhar Number
* Verify Your Aadhar With OTP
* Review and Submit details of Aadhar and PAN
* Once the submission is done. Credit limit is issued and you have to go through T&C’s and click on Agree and Continue

Hope this helps.

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