Get your Home Credit Ujjwal Card in 3 easy steps

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

Multiple ways to shop easily using your Ujjwal 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 .

Benefits of Home Credit Ujjwal 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 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 just ₹ 549, now avail the luxury of pre-approved limit

Membership Fee
Eligibility Criteria

Value-added Services

  • |
  • FinShield

Opt for our Value-added Services while applying for Ujjwal Card


Many a times, we are faced with unpredictable and unforeseen circumstances in life that compel us to think about protecting ourselves and our loved ones from the consequences of such events. Therefore, to support you and your family members from these events, we have created an offering to provide you with financial safety in times of crisis. For detailed terms and conditions, please click here

Life Insurance
Personal Accident Insurance
Payment Holiday

Frequently Asked Questions

What is the Ujjwal Card?

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

What are the eligibility criteria to avail Ujjwal Card?
What are the documents required to avail Ujjwal Card?
What document is accepted as Identity Proof?
How can I apply for the Ujjwal Card?
Is Ujjwal Card a credit card?
Do I need to pay any fee to avail Ujjwal Card?
What is the limit I can get on the Ujjwal Card?
Can I choose the credit limit for my Ujjwal Card?
Can I increase/decrease the limit after getting an Ujjwal Card?
Can I apply for a physical card?
How long does it take to activate the Ujjwal Card?
Where can I use the Ujjwal 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 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 Card monthly bill?
How can I use my Ujjwal Card?
What do I do if my monthly bill is incorrect?
What do I do if my Ujjwal Card is misused?
How do I block my Ujjwal Card?
I had to exit my Ujjwal Card application earlier. How do I complete it?
What documents are accepted as address Proof?
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