Notes

Hi Shabana,

Thanks for writing in.

We understand that you like know about cardless credit.

We are sorry to let you know that there is not any other option for prepaid payment.

You can try once again for cardless credit after updating Flipkart App.

Cardless Credit is a new payment mode available on Flipkart Android app that allows customers 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.

To check 'Cardless Credit' eligibility
1. Go to My account and Click on View details next to Cashless Credit
2. Click On ‘Apply Now’
3. Enter Your PAN Number and Aadhar Number
4. Verify Your Aadhar With OTP
5. Review and Submit details of Aadhar and PAN
6. If the information provided is not enough, a pop-up will appear to provide access to SMS, Contacts, Call History, Location and Device Information
7. Once the submission is done, Credit limit is issued and customer has to go through T&C’s and click on Agree and Continue

Cardless Credit payment mode Related:
1. Cardless Credit will help you purchase select products on EMI without having a credit card
2. You would get this feature if they are eligible based on their shopping history with Flipkart
3. Once eligible customers enter their PAN and Aadhaar details on the 'Cardless Credit Application' page, they will get a confirmation on their 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. Customer 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

Also, We would like to let you know that 'Debit Card EMI payment mode' offer is available for few selective Customers who have account with AXIS/ HDFC/SBI/ICICI.

Once you login in to Flipkart website/App/mobile site app you can see this offer on their homepage.

If you're not seeing the offer then you need to contact bank to get the Pre-approved EMI for Debit Cards.

Along with this, you can also send an SMS 'DCEMI' to 57575 to check eligibility.

Interest rate and tenure differs from bank to bank. You can buy only one product at a time, however number of units for a single product may vary based on banks.

There are no processing fee or additional charges. You need NOT pay any down payment amount to avail this offer.

EMI plans cannot be changed once an order is placed. The maximum transaction amount to avail this offer will vary for each user depending on credit availability.

If the 'PG Used' is mentioned as below under 'Payment Details' tab for an order, the payment option used is 'Debit Card EMI'.

To know about eligible banks, EMI plans, interest charges and other related details, please click:
https://www.flipkart.com/pages/payments

However, ‘Credit Card No Cost EMI’ is one of the prepaid payment modes with which you can shop for items from select sellers on Flipkart with no interest and zero down payment.

Once the payment is completed using this mode, an instant discount will be applied for the amount you are charged as interest by the bank ensuring you do not incur any additional EMI charges. The monthly installments will be deducted from your Bank credit card.

You may get in touch with the bank's customer care using the number mentioned on the back of your card for more information.

Hope this helps.