Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • PostPe Card

    PostPe owned by BharatPe is a buy now pay later (BNPL) service where you can buy any item of your choice and pay for it later at a given date.

    You can apply for this service by downloading the PostPe app on your mobile phone. The application process is very simple and user-friendly. While you can avail a limit of up to Rs.10 lakh, you also get a virtual credit card which you can use to make purchases. You can also check your spending on the app itself.

    Features and benefits of PostPe Card

    Given below are the features and benefits of PostPe Card:

    • Credit limit of up to Rs.10 lakh: You can avail a credit limit of up to Rs.10 lakh. However, your credit score will also determine the credit limit you will be allowed to avail.
    • Pay both online and offline: You can use the PostPe facility to make payment both online and offline. There are no charges whatsoever to use this facility.
    • Pay via easy EMIs: Once you have purchased an item using PostPe, you can clear the amount through easy EMIs.
    • Personalised dashboard: You get a personalised dashboard on the PostPe app which allows you to manage your PostPe account as well as view your spending.
    • Simple scan: You can use the app to make simple QR scans to make payments instantly.
    • Transfer money: You can also use the app to transfer money to other bank accounts.
    • Personalised card: You will also get a personalised card which you can use to make payments. You will also get a virtual credit card as well.

    How to Apply for PostPe Card

    Given below are the steps you will have to follow to apply for PostPe card:

    • Step 1: Go to Play Store if you are an android user and Apple Store if you are an iPhone user and download the app.
    • Step 2: Click on ‘Get Started’.
    • Step 3: Give the necessary permissions to the app.
    • Step 4: You can log in using either your mobile number or through whatsapp.
    • Step 5: You will have to provide the details of your PAN Card. If you are above the age of 18 years, you will be registered to use the app.
    • Step 6: The app will also use the details of your PAN to track your CIBIL score which will help them determine the credit limit that they can offer to you.

    You can avail the credit limit to make purchases for you. There are no hidden charges and no interest rate will be charged. However, you need to make the payment via EMI within the time limit given to you.

    FAQs on PostPe Card

    1. Will I receive cashback if I refer a friend to use PostPe?

      Yes, you will earn a cashback of up to 5% if you refer a friend to use the app.

    2. What are the repayment tenures?

      The repayment tenures offered are between 3 months and 6 months. You can choose any one of the repayment tenures depending on your ability to clear it.

    3. Will my credit score be impacted if I do not repay the amount?

      Yes, your credit score will be affected negatively if you do not repay the amount on time.

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