Home Innovation Affordable Shopping Flipkart Cardless Credit — Shop without worrying about your bank balance!

Flipkart Cardless Credit — Shop without worrying about your bank balance!

From Buy Now Pay Later and No Cost EMI to Debit Card EMI, there’s plenty to choose from when it comes to affordable shopping on Flipkart. The latest addition, however, is equally promising and just as disruptive in the world of FinTech. In the run up to the festive season as well as the Big Billion Days, Flipkart has introduced another payment innovation — Flipkart Cardless Credit.

Flipkart Cardless Credit — Shop without worrying about your bank balance!
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Cardless Credit? Who would have thought that’s even possible? Read on to find out more about how Flipkart Cardless Credit makes your shopping more affordable.


While Flipkart’s Pay Later, No Cost EMI and Debit Card EMI stand testament to Flipkart’s  commitment to making shopping affordable for you, this festive season we unveil a new innovation — Cardless Credit from Flipkart.

Here’s how Flipkart Cardless Credit works

cardless credit

An emerald green mid-century modern sofa, Apple’s latest iWatch, a pair of pristine white leather sneakers and perhaps a new camera — no matter what’s on your wish list, you can add it to your cart and checkout without worrying about the contents of your wallet. With Flipkart Cardless Credit, you can avail instant credit up to ₹60,000 to shop for anything that has caught your eye. Simply choose this as a payment option when you proceed to check out and don’t worry about making a down payment either!

Flipkart Cardless Credit offers instant credit to everyone

cardless credit

If you’ve kept your distance from applying for a credit card or a personal loan because it is cumbersome, time-consuming, expensive and quite honestly, because you’re not quite sure whether you qualify, Flipkart Cardless Credit is just what you need. You don’t have to wait for approval or worry about any maintenance charges because the credit is yours for the taking in just 60 seconds. With Flipkart Cardless Credit, you can shop confidently.

Flipkart Cardless Credit is like a loan from a friend

cardless credit

When Flipkart says it’s allowing you to buy anything that catches your fancy, from a smart TV to a top-of-the-line washing machine, you truly can! There’s no reason to hesitate because you can repay the amount in two ways. Either repay the entire sum the next month, or pay in EMIs ranging from a period of 3 to 12 months. To make repaying the amount even more effortless, No Cost EMIs are available with Flipkart Cardless Credit too. What you see is what you get.

Applying for Flipkart Cardless Credit is as easy as 1, 2, 3!

cardless credit

Visit the Flipkart Cardless Credit page and click on ‘Apply Now’. Enter your PAN details and Aadhaar number and then verify your Aadhaar using an OTP sent to your registered number. Review your details and click on ‘Submit’. That’s all there is to it. In a few seconds, you’ll see an approval message on your screen and the amount will be in your Flipkart account. Once you’ve added items to your cart you can use this facility to pay. Choose between the Pay Later (next month) and EMI option, and complete your purchase. If your transaction’s value is less than ₹2,000, you don’t even have to authenticate it with an OTP. When it’s time to repay Flipkart, you can do so on the app itself through your debit card or net banking.

This innovative solution is all set to offer a smart, stress-free way to shop to Flipkart customers who don’t have access to credit or aren’t applying for credit. So whether you want to splurge on a gaming console, buy gold coins to gift close relatives during Diwali, or want to buy your best friend a Mia Moda stroller for her newborn, now’s the time to take the plunge. Armed with Flipkart Cardless Credit, you can shop without any niggling worries playing spoilsport.


Click here to get started now!

(Please note that the facility is currently available only on the Flipkart mobile site and the Android app.)

Enjoy shopping on Flipkart

About the Author

Team Flipkart Stories
Team Flipkart Stories

Stories with this byline are prepared by multiple authors and edited by the Flipkart Stories Editorial Team. To reach out to us with comments or requests, or to alert us to issues, please contact us on Facebook or Twitter.