Home Credit Ujjwal Card

Home Credit India is a part of international consumer finance provider which has its branches spread across Asia and Europe. The aim of the organisation is to promote financial inclusion in India. Its customers can get instant and quick loans through the help of its newly launched Ujjwal Card. The customers can spend the cash when they are in need with this credit card. Ujjwal card also has immense number of benefits for its card holders.

Benefits of Home Credit Ujjwal Card

The following are the benefits of availing Home Credit Ujjwal Card:

• Ujjwal card provides certain amount as an instant cash limit to purchase televisions, smartphones, and other electrical appliances.
• The card holders can use to purchase products from variety of brands which are in collaboration with Home Credit.
• The customers have the flexibility in opting for their preferred payment options and buying products within the given time period.
• Applicants have to follow all the necessary Know Your Customer (KYC) procedures to avail Ujjwal Card.
• It offers multiple down payment options for reducing the loan limit.
• The mobile app of Home Credit will display all the details of the card limit, outstanding amount, and loans which will help the users to track on real time.
• Instant and paper less application procedure in the Home Credit application.

Eligibility Criteria

Here’s the eligibility criteria to apply for a Home Credit Ujjwal Card:

• The applicant should be under the age group of 18 years to 65 years
• Salaried, self-employed or pensioners are eligible to apply
• The applicant should have an active bank account
• There should be at least 90 days of gap between two Home Credit Loan applications
• Address and Permanent Account Number (PAN) card are mandatory for documentation

Fees and Charges

Let us have a look at the fees and charges:

Annual Fee

• The active members who have used Ujjwal card in 12 months won’t be charged an annual fee.
• The cardholders have to pay Rs.99 as an annual fee if they have not used the Ujjwal in 12 months.

Membership Fee

The applicant can avail luxury pre-approved limit by paying Rs.549 as a membership fee.

How to Apply for a Home Credit Ujjwal Card?

The following steps will guide you to apply for a Home Credit Ujjwal Card:

Step 1: Visit https://www.homecredit.co.in/en/ujjwal-card.

Step 2: Click on “Apply Now”

Step 3: Select “Home Credit Ujjwal Card” from the drop-down menu

Step 4: Enter your name and mobile number

Step 5: Click on “Next”

Step 6: Next, enter pin code, email id, and preferred language

Step 7: Agree to the terms and conditions

Step 8: Click on “Submit”

You can pay your monthly Equated Monthly Instalments (EMIs) by clicking on “Pay Emi”.

Documents Required

The following are the documents required to apply for Home Credit Ujjwal Card:

• Identity Proof: PAN card
• Address Proof: Voter ID card, Aadhar card, bank passbook, or passport
• Income Proof: Previous six months' salary slip, or updated bank statement

Various ways to shop using Home Credit Ujjwal Card

There are three ways to shop using Home Credit Ujjwal card:

• You can shop online easy monthly EMIs
• Visit the nearest store which has a partnership with Home Credit and start shopping
• You can also explore exciting deals by visiting SuperCupo App

FAQs on Home Credit Ujjwal Card

1. Can I apply for a physical card?

   No. Home Credit does not provide physical card. You will get the credit limit in the Home Credit app using which you can do shopping.

2. Is there a transaction fee charged for Ujjwal card?

   You will be charged with a nominal fee for applying for Ujjwal card.

3. What is the Payment Holiday?

   Payment holiday helps in postponing their EMIs by one month. The customers can avail this facility after paying two EMIs.

4. How to know Ujjwal (EMI) Card monthly bill?

   The monthly bill of the customers will be sent to their registered email address at th end of every month.

5. What is the fee to avail Ujjwal (EMI) card?

   You have to pay Rs.549 as a one-time membership fee along with the processing charges. In addition, Rs.99 will be charged every year which can also be waived off if you have used this card at least once in 12 months.