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Thanks you for writing in.
We understand your concern about the 'Careless credit' option in Flipkart.
We'd like to let you know that the 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.
Here are the few Important Points of Cardless Credit payment mode Related mentioned below:
- Cardless Credit will help customers purchase select products on EMI without having a credit card
- Customers would get this feature if they are eligible based on their shopping history with Flipkart
- 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
- Credit card issued by bank is not required to avail this facility
- Flipkart customers who are part of the Buy Now Pay Later (BNPL) payment facility will be exempted from this feature
- The feature can be used only for shopping with Flipkart
- This is currently available only on the Flipkart App - Android OS only
- In the current phase, this feature would be available for approximately 2 million customers
- The minimum credit limit offered is Rs. 20000
- The maximum credit limit offered is Rs. 60000
- Customer KYC verified by an OTP is mandatory
- Availability of the feature is at the sole discretion of Flipkart
- Customers can use this either as a credit card or to avail EMI option
We'd also like to let you know that the at the moment, Cardless Credit as a payment mode is available for a few customers. That said, we’re working with the financing partners to expand this to all customers.
If you need any further assistance, please feel free to write back to us.
Hope this helps.
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