Get your Home Credit Ujjwal (EMI) Card in 3 easy steps

Apply for Home Credit Ujjwal (EMI) Card on our
mobile app or at your nearest Home Credit Partner Shops

Multiple ways to shop easily using your Ujjwal (EMI) Card

Shop at your nearest store
Shop at your nearest store

Visit your nearest Home Credit Partner Shop

Shop online via leading eCom Stores
Shop online via leading eCom Stores

Shop via Myntra, Tata CLiq & other eCom stores through Instacred

Shop on our website for Samsung products
Shop on our website for Samsung products

Buy your favorite Samsung products on easy EMIs directly through our website .

Top Merchants

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  • tata cliq

    TATA CLIQ

    Smartphones | Electronics | Fashion

    How to buy on Tata Cliq with Ujjwal (EMI) Card

    Add product to Cart (Bag)

    1. Add product to Cart (Bag)

    At Checkout click on EMI and select Cardless EMI

    2. At Checkout click on EMI and select Cardless EMI

    Select InstaCred Enter Register Mobile #

    3. Select InstaCred Enter Register Mobile #

    Choose EMI plan and enter OTP to Confirm

    4. Choose EMI Plan and enter OTP to Confirm

    Available only on TATA CLiQ mobile website

  • Flipkart

    Flipkart

    Mobiles | Electronics | Fashion | Home | Free Shipping

    How to buy on Flipkart with Ujjwal (EMI) Card

    Choose products of your choice and Add to Cart

    1. Choose products of your choice and Add to Cart

    Select EMI on Payment Page

    2. Select EMI on Payment Page.

    Choose your Bank under EMI option.

    3. Choose your Bank under EMI option.

    Choose EMI plan & confirm purchase

    4. Choose EMI plan & confirm purchase

    Available on Flipkart website and app

  • make my trip

    MakeMyTrip

    Easy & Fast Booking | Hassle-free Flight Bookings | Deals on Multiple Airlines | Instant Discounts

    How to buy on Make My Trip with Ujjwal (EMI) Card

    Click on Cardless EMI on the payment page

    1. Click on Cardless EMI on the payment page

    Select your bank

    2. Select your Bank

    Choose your EMI plan

    3. Choose your EMI plan

    Confirm purchase

    4. Confirm purchase

    Available on MakeMyTrip mobile App

  • Myntra

    Myntra

    Fashion | Accessories | Lifestyle | Men's Clothing | Women's Clothing

    How to buy on Myntra with Ujjwal (EMI) Card

    Select Cardless EMI at payment page

    1. Select EMI at payment Page

    Choose Cardless EMI by InstaCred

    2. Choose Cardless EMI by InstaCred

    Enter Register Mobile #

    3. Enter Register Mobile #

    Select EMI Tenure & authorise the transaction

    4. Select EMI Tenure & authorise the transaction

    Available on Myntra website and app

  • Decathlon

    Decathlon

    Sports Goods | Outdoor Wear | Cycles

    How to buy on Decathlon with Ujjwal (EMI) Card

    Select EMI on the payment page

    1. Select EMI on the payment page

    Select Cardless EMI

    2. Select Cardless EMI

    Choose your EMI plan

    3. Choose your EMI plan

    Confirm purchase

    4. Confirm purchase

    Available on Decathlon website and app

  • Instacred

    Instacred

    Explore more merchants on Instacred

Benefits of Home Credit Ujjwal (EMI) Card

Pre-approved credit limit
Pre-approved credit limit

Enjoy the convenience of pre-approved limit of up to ₹50,000

One-time documentation
One-time documentation

Submit your KYC documents at the time of application process and we will not ask you to submit the documents again

Zero down payment
Easy Repayments

Now buy the product of your choice with Home Credit Ujjwal (EMI) Card and enjoy the benefit of easy repayments

No foreclosure charges
No foreclosure charges

Foreclose the loan at no additional charges

Fee and Eligibility

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  • Fee and Eligibility
  • Eligibility
Joining Fee

 With a one-time joining fee of up to ₹549, now avail the luxury of pre-approved limit

Membership Fee
Eligibility Criteria

Frequently Asked Questions

What is the Ujjwal (EMI) Card?

Ujjwal (EMI) Card is an instant limit to purchase smartphones or home appliances on easy monthly EMIs.

What are the eligibility criteria to avail Ujjwal (EMI) Card?
What are the documents required to avail Ujjwal (EMI) Card?
What document is accepted as Identity Proof?
How can I apply for the Ujjwal (EMI) Card?
Is Ujjwal (EMI) Card a credit card?
Do I need to pay any fee to avail Ujjwal (EMI) Card?
What is the limit I can get on the Ujjwal (EMI) Card?
Can I choose the credit limit for my Ujjwal (EMI) Card?
Can I increase/decrease the limit after getting an Ujjwal (EMI) Card?
Can I apply for a physical card?
How long does it take to activate the Ujjwal (EMI) Card?
Where can I use the Ujjwal (EMI) Card to make the purchase?
Is there a transaction fee? How much is it?
Do I need to give a down payment?
Is there a limit to the transactions count?
Do I need to carry/submit any document for my purchases using the Ujjwal (EMI) Card?
How many products can I buy in a single transaction?
Where is the nearest Home Credit partner shop?
Can I extend/change the EMI tenure after the transaction?
Can I use this card for purchasing products other than mobile phones/home appliances or from non-HCIN merchants?
Can I postpone my EMI and pay next month, in bulk?
What is the Payment Holiday?
What is Free Early Repayment?
How will I get my Ujjwal (EMI) Card monthly bill?
How can I use my Ujjwal (EMI) Card?
What do I do if my monthly bill is incorrect?
What do I do if my Ujjwal (EMI) Card is misused?
How do I block my Ujjwal (EMI) Card?
I had to exit my Ujjwal (EMI) Card application earlier. How do I complete it?
What documents are accepted as address Proof?
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