What is Flipkart Pay Later: Know Its Benefits, Charges, Limit and Eligibility

Know about what is Flipkart Pay Later: Know its benefits, charges, limit and eligibility.
What is Flipkart Pay Later: Know Its Benefits, Charges, Limit and Eligibility
3 min
1 April 2024

Customer convenience is the all-important factor when it comes to online shopping. One such convenience is the ability to buy now and pay later. That’s where Flipkart Pay Later or Flipkart Pay Later EMI services come in handy.

Flipkart Pay Later overview

The Flipkart Pay Later is a unique feature that offers instant credit to customers. It can be used to buy a wide variety of products across diverse categories on Flipkart. The beauty of this feature is that you can choose to pay in EMIs or pay the entire amount in the following month.

Flipkart Pay Later Benefits

  • Enjoy Flipkart Pay Later limit of up to Rs. 1 lakh
  • Credit for a month without extra fees
  • Instant refunds on cancellations and returns
  • Affordable no-cost EMIs
  • One-click checkout process
  • No down payment requirement
  • Can be used to pay for utility bills (gas, electricity, postpaid mobile bills etc.)

While Flipkart Pay Later charges no interest or additional fees for your purchase, there’s a nominal convenience fee depending on your total order value.

In order to be eligible, you must be an Indian national of at least 21 years of age with a regular source of income and a valid PAN and Aadhaar card.

How to shop on Flipkart using Insta EMI Card

Flipkart Pay Later is a great convenience on the online shopping platform. However, if you’re looking to further enhance your shopping experience, consider the Bajaj Finserv Insta EMI Card. Here’s how:

  • Use it to shop at any of the 1.5 lakh and counting Bajaj Finserv partner stores in more than 4,000 cities in India.
  • At the billing counter, simply inform the store representative that you will be paying in EMI payments. 
  • Share your Insta EMI Card details and choose a suitable repayment tenure between 1 and 60 months.
  • The cost of your purchase will be split across your chosen tenure. It’s as simple as that!

You can also use your Bajaj Finserv Insta EMI Card on your favourite online shopping platforms, including Flipkart and Amazon!

Eligibility criteria for Insta EMI Card

  • Nationality: Indian
  • Age: 21 years – 65 years
  • Income: Regular income source required
  • Credit score: 720 and above
  • Documentation:
    • PAN card
    • Aadhaar card
    • Address proof
    • Bank account information and IFSC code for e-mandate registration

Check the documents required for the Insta EMI Card

Insta EMI Card benefits

  • No Cost EMIs: You only pay for the price of your purchases, without any additional charges or fees.
  • Flexible repayment tenures: You can pick a timeline for repayment that aligns with your financial situation and monthly budget.
  • Generous credit limit: With a pre-approved credit limit of up to Rs. 3 lakh, you need never worry about overextending yourself.
  • Zero down payment: During festive seasons, you need not make a down payment at the time of purchase.
  • Enhanced creditworthiness: Watch your credit score receive a boost with regular and timely EMI payments.

Check the benefits & features of Insta EMI Card

So, what are you waiting for? Make shopping a breeze with the financial flexibility and overall seamlessness that Bajaj Finserv Insta EMI Card adds to your experience.

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Frequently asked questions

What is the late payment fee of Flipkart Pay Later?

The late payment fee is charged if you miss a payment. It’s always recommended to check the latest terms and conditions on the official Flipkart website as these charges may vary over time.