Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • FlipKart’s Cardless Credit

    Flipkart’s Carless Credit is a virtual way of paying for your purchases online on FlipKart. It offers up to Rs.1 lakh credit with easy payment options including EMIs at 0% interest and no processing fees charged. All you need to do to avail this facility is complete a convenient online KYC process.

    Key Highlights of FlipKart’s Cardless Credit

    • No physical card needed to complete transactions.
    • Credit limit up to Rs.1 lakh.
    • Multiple payment options, including EMIs (equated monthly instalments) spread up to 12 months.
    • No interest or processing fees charged.

    Features and Benefits of FlipKart’s Cardless Credit

    Enhanced Credit Limit

    You can shop for anything you wish for on and pay for your purchases with this option. The maximum credit offered is Rs.1 lakh. All you need to do is select this as an option on the checkout page. There are no processing fees charged for this payment mode.

    Multiple Payment Options

    There are three ways of paying for your FlipKart purchases:

    • Pay the following month (on the 15th) at 0% interest.
    • Pay through a 3-month EMI plan at 0% interest.
    • Pay through an Easy EMI option, for up to 12 months.

    Check Credit Limit Anytime

    You can check your credit limit at any point in time. Log into your FlipKart account on the mobile app, go to ‘My Accounts’ followed by ‘Cardless Credit’ to check your balance.

    FlipKart’s Cardless Credit Fees and Charges

    Interest will not be charged for payments made the following month after completing a purchase, or upon choosing the 3-month EMI plan. However, for EMI plans beyond 3 months, interest may be charged. Contact FlipKart customer support to know interest charges for your plan.

    There are no processing fees charged for choosing this payment method.

    Eligibility Criteria for FlipKart’s Cardless Credit

    You will need to create a FlipKart account to avail this facility. Additionally, you will need to complete a basic KYC (know your customer) check including providing your PAN card details.

    • Enter your PAN details to check your credit limit.
    • Complete an online KYC process. It can be completed in under 2 minutes.
    • Start shopping with Cardless Credit.
    • Repay by the 15th of the following month or through the EMI plan chosen.
    • You will receive a single bill for all payments made through this payment method.

    FlipKart has now made it extremely convenient for customers to shop online on their website without the need to use a credit or debit card to complete purchases. You can easily convert your big-ticket purchases into instalment payments using this facility.

    FlipKart’s Cardless Credit FAQs

    1. Can I pay using two cards on the Flipkart website?

      Yes, you can combine gift cards in one order during checkout. If you want to redeem more Gift Cards on one order, then you can add your Gift Cards to your wallet.

    2. How many gift cards can I use at one time on Flipkart?

      You can use around 15 Gift Cards in one order during the time of checkout.

    3. What does Card less credit by Flipkart mean?

      Card less is a payment method which Flipkart offers its customers. In this the company gives you a credit of around Rs.60,000 and you can use this for buying products on credit. You can then repay before the date of payment.


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