Benefits of Home Credit Ujjwal Card
Pre-approved credit limit
Enjoy the convenience of pre-approved limit of up to ₹50,000
Submit your KYC documents at the time of application process and we will not ask you to submit the documents again
Now buy the product of your choice with Home Credit Ujjwal Card and enjoy the benefit of easy repayments
No foreclosure charges
Foreclose the loan at no additional charges
Fee and Eligibility
With a one-time joining fee of just ₹ 549, now avail the luxury of pre-approved limit
- Active members (members who have used the Ujjwal Card at least once in the last 12 months) won’t be charged a membership fee
- An annual membership fee of ₹99 (all inclusive) will be charged to inactive members (members who have not used the Ujjwal Card in the last 12 months) to continue service for the next 12 months
Applicants must be 18–65 years of age, and possess valid KYC document(s), including PAN (mandatory)
Now pay all your EMIs with a single monthly bill, using any of the below-mentioned payment modes
Register for Direct Debit repayment option during the card application and never miss an EMI due date
Pay the way you want through payment modes like mobile wallets, net banking, UPI, debit card etc.
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 cover of up to ₹ 1,00,000
Personal Accident Insurance
Personal accident cover of up to ₹ 50,000
Postpone 2 monthly payments in one year without any late fee or impact on your repayment history
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?
You can avail Home Credit Ujjwal Card, if you fulfill the following criteria:
- Should be between 18 to 65 years of age
- Should have documented proof of active source of income
- Should possess valid KYC documents as per Home Credit policies
What are the documents required to avail Ujjwal Card?
Valid ID proof, address proof are required to avail Home Credit Ujjwal Card
What document is accepted as Identity Proof?
We only accept PAN Card as valid Identity Proof
How can I apply for the Ujjwal Card?
You can apply for the Ujjwal Card at the Home Credit Mobile app by following the below-mentioned steps
- Download ‘Home Credit India’ App from the Play Store
- Click on ‘Register And Apply’
- Complete online application form
- Visit a Home Credit Partner shop to complete KYC
Now, you can also apply for an Ujjwal Card at any of the Home Credit partner shops. For Home credit partner shops near you, click here
Is Ujjwal Card a credit card?
No, Ujjwal Card is an instant limit that you can avail for smartphone and home appliance purchases at Home Credit partner shops. No cash or any other form of payment mode is required with Ujjwal Card and it also lets you convert your purchase into easy EMIs
Do I need to pay any fee to avail Ujjwal Card?
A one-time joining fee of ₹549 will be charged towards the processing charges. Also, a membership fee of ₹99 will be charged annually, which can be waived if you use your card even once every 12 months
What is the limit I can get on the Ujjwal Card?
Ujjwal Card provides you with an instant limit of ₹10,000 to ₹50,000 based on your credit eligibility.
Can I choose the credit limit for my Ujjwal Card?
Yes, Home Credit gives you the flexibility to set your Ujjwal Card limit from ₹10,000 up to the maximum offered limit
Can I increase/decrease the limit after getting an Ujjwal Card?
Reduction or increment in the Ujjwal Card limit is not permitted post issuance. However, you are allowed to choose your credit limit at the time of availing the Ujjwal Card
Can I apply for a physical card?
Home Credit does not issue a physical card. Ujjwal Card is an instant credit limit available through the Home Credit mobile app. To utilize Ujjwal Card for shopping you just need your Home Credit app on your mobile phone.
How long does it take to activate the Ujjwal Card?
Ujjwal Card will be issued within a single working day once the required documentation is completed
Where can I use the Ujjwal Card to make the purchase?
You can utilize Ujjwal Card to make purchases at more than 29,000 Home Credit partner shops. For Home credit partner shops near you, click here
Is there a transaction fee? How much is it?
A nominal transaction fee is charged to cover processing charges. The transaction fee varies from product to product. For more details, you can connect with home credit loan experts stationed at all Home Credit partner shops
Do I need to give a down payment?
Is there a limit to the transactions count?
There is no limit on the transaction counts; you are free to use your Ujjwal Card upto the maximum allowed assigned limit
Do I need to carry/submit any document for my purchases using the Ujjwal Card?
Home Credit to ensure security, requires you to carry your ID for verification and mobile with the Home Credit app to make purchases
How many products can I buy in a single transaction?
You can use your Ujjwal Card to make multiple transactions up to the maximum limit. However only one monthly installment per transaction will be billed to you every month.
Where is the nearest Home Credit partner shop?
Please click here to get the address of the Home Credit partner shops near you
Can I extend/change the EMI tenure after the transaction?
There is no option to change the EMI tenure once the transaction is finalized. However, Home Credit gives customers the flexibility to choose their tenure before finalizing the transaction
Can I use this card for purchasing products other than mobile phones/home appliances or from non-HCIN merchants?
Ujjwal Card can be utilized to make purchases only at the Home Credit partner shops. To locate Home credit partner shops near you, click here
Can I postpone my EMI and pay next month, in bulk?
There is no option to postpone EMIs; they should be paid on or before the due date to avoid late payment charges. Customers can opt for Fin-Shield to cover them in such eventualities
What is the Payment Holiday?
Payment Holiday allows customers to postpone their EMIs by one month. It can be availed after paying the first two EMIs on or before the due date.
What is Free Early Repayment?
Early Foreclosure allows customers to foreclose their loan without any additional charges. Customers paying EMIs through direct debit mode are required to raise the foreclosure request 5 days before the next due date. Customers paying EMIs through any other method can raise foreclosure request anytime
How will I get my Ujjwal Card monthly bill?
Your monthly bill will be mailed to you on your registered e-mail at the end of the monthly billing cycle. You can also download your monthly bill easily on the Home Credit mobile app
How can I use my Ujjwal Card?
Using your Ujjwal Card for shopping is very convenient
- Just visit your nearest Home Credit Partner shop
- Provide your registered mobile number to check your available limit
- Choose your product
- Choose your repayment tenure as per your flexibility
- Sign the documents and its done
Just head to your nearest Home Credit partner shop for an amazing shopping experience. To locate Home Credit partner shops near you, click here
What do I do if my monthly bill is incorrect?
Connect with Home Credit customer care at 0124 662 8888 for swift reconciliation of your monthly payment statement
What do I do if my Ujjwal Card is misused?
In case of any suspicious activity just connect with Home Credit customer care at 0124 662 8888 for blocking your card immediately
How do I block my Ujjwal Card?
Just connect with Home Credit customer care at 0124 662 8888 for blocking your card immediately
I had to exit my Ujjwal Card application earlier. How do I complete it?
You can resume your Ujjwal Card application on the Home Credit mobile app. Just login and click on ‘Resume’ under ‘Exciting Offers’ to complete your Ujjwal Card application
What documents are accepted as address Proof?
The following document are accepted as valid address proof
- Voter ID Card
- Driving License
- Bank Passbook / Bank Statement
- Government House Allotment Letter
- Property Tax Receipt
*Conditions apply. Home Credit India reserves the right to call upon additional documents at its discretion