Khareedein apne favourite products, Ujjwal EMI Card ke saath

There are two ways to apply for Ujjwal EMI Card:

• You can easily apply for Ujjwal EMI Card by visiting any of our partner shops. Once approved, you'll receive a personalized digital Ujjwal EMI Card with a pre-approved credit limit of up to ₹75,000. This limit allows you to effortlessly purchase any of your favorite products on easy EMIs from our partner shops or online.
• You can also download Home Credit App and explore various loan offers available, including Ujjwal EMI Card. Once you apply for the card and it’s approved, you'll receive your personalized digital Ujjwal EMI Card with a pre-approved credit limit of up to ₹75,000.

This limit allows you to effortlessly purchase any of your favorite products on easy EMIs at our partner shops or online. Start your application now and say goodbye to delays! Happy shopping.

Home Credit Ujjwal EMI Card gives you the flexibility to purchase your favorite products on easy EMIs.

• Shop for your favorite smartphones, home appliances, and other digital products across 53000+ partner shops. Locate your nearest partner store
• Buy Health Services Plan, Care360°/Health360+ on easy EMIs, Apply now
• Shop online from your favorite brands which are partnered with Home Credit

The Home Credit Ujjwal EMI Card is instantly activated upon the completion of the application process. This process includes Know Your Customer (KYC) verification, bank validation, setting up auto debit, and digitally signing the enrollment form.

Our dedicated Home Credit representatives stationed at partner stores will assist you in navigating through the application procedure for obtaining the Ujjwal EMI Card.

If, during the loan application, you encounter difficulty in setting up your auto debit for your Ujjwal EMI Card bill payments, you have the flexibility to do so at any time through our website.

When you shop using your Ujjwal EMI Card, you don't need a physical card, it's all digital! Your Ujjwal EMI Card provides an instant pre-approved credit limit. You can easily access your card number and limit details on the Home Credit App. To start shopping, all you need is your Ujjwal EMI Card number. Enjoy the convenience of shopping with your digital Ujjwal EMI Card hassle-free!

We offer a range of tenure options spanning from 3 to 12 months. The availability of these tenures depends on your allocated credit limit and the maximum monthly installment limit available to you.

You can use your Ujjwal EMI Card to make multiple transactions, if you have an available limit and an available maximum monthly installment limit.

A monthly bill will be generated, including all installments associated with the Ujjwal EMI Card for all prior purchases, along with any relevant fees and charges. This bill will be generated 15 days before your due date and will be sent to you via email. Additionally, you can access the monthly statement through the Home Credit App.

If you have set up Auto Debit for your monthly bill payment, the specified amount will be deducted directly from your linked bank account. However, if you prefer to make an online payment, you can do so up to 2 days before the due date using the Home Credit app or website.

The due date and billing cycle for the Ujjwal EMI Card remain consistent. If a transaction is made before the monthly bill is generated, the installment will be due on the upcoming bill. However, if the transaction occurs after the monthly bill has been generated, the installment will be due with the subsequent monthly bill. The monthly bill is generated 15 days prior to the due date.

The Ujjwal EMI Card limit gets blocked in the following scenarios:

• If the customer has not paid the membership fee
• If the customer is delinquent (has not paid dues on time),
• If the customer has not set up auto-debit for repayments
• If the customer applies for a Ujjwal EMI Card at any partner shop but does not make a single transaction within 7 days.

Please note that Home Credit India reserves the right to issue or block the Ujjwal EMI Card or update the credit limit available on your Ujjwal EMI Card as per our internal credit policy.

We advise you to review the scenarios which may have led to the blocking of your card. If any of these scenarios apply to you and have resulted in your card being blocked, we suggest reaching out to Home Credit customer care for assistance. They can guide you through the necessary steps to rectify the issue and unblock your card.

Please connect with Home Credit customer care by writing an email to us using your registered email ID, along with your Ujjwal EMI Card number, at care@homecredit.co.in, or call us at 0124 662 8888 or chat with us on App or Website to unblock your card immediately.

Once the transaction is signed, there is no provision to change the EMI tenure. Nevertheless, Home Credit provides its customers with the freedom to select their preferred tenure prior to completing the purchase, offering flexibility in the decision-making process.

The payment holiday feature enables customers to defer their monthly bill by one month if necessary. It becomes available after the first two monthly bills are paid on or before their due dates. This benefit can be utilized twice during the entire loan tenure, with a minimum interval of 6 months between each payment holiday.

Your monthly bill is meticulously generated by our system, minimizing the possibility of errors. However, if you require clarification regarding the billed amount or encounter any issues with your dues, we encourage you to reach out to us. You can connect with our customer support team via chat on the Home Credit App or Website. Alternatively, you may email us detailing the issue from your registered email ID, including your Ujjwal EMI Card number, at care@homecredit.co.in. Additionally, you can contact us at 0124 662 8888.

In case of any suspicious activity, please reach out to us via chat on the Home Credit App or Website or connect with Home Credit Customer Care at 0124 662 8888 to block your card immediately.

Note: Never give access to your Ujjwal Card number to anyone to avoid any kind of fraud or mis-use of your card.

As per internal credit policy, we periodically assess and increase the total credit limit on your Ujjwal EMI Card based on your repayment journey and in line with our credit policy. However, we do not accept customer requests for an increase or decrease in the limit once the card is issued.

The down payment amount varies for different products and the loan offers available for the product you wish to buy. For more details, please contact your nearest Home Credit partner shop.

The Ujjwal EMI card is not a credit card. It is a virtual card with a pre-approved credit limit that allows you to convert the cost of your purchases into easy EMIs/ Monthly Installments, making the purchase more affordable.

The maximum monthly installment limit is the maximum a customer can pay as installments every month. The sum of your installments for all transactions cannot exceed the maximum monthly installment limit.

It is possible that the cumulative total of your installments may surpass the maximum monthly installment limit for your Ujjwal EMI Card, thus resulting in the inability to process your transaction. If there is available limit on your Ujjwal EMI Card, we recommend considering extending the loan tenure. Doing so will ensure that your monthly installment limit is not exceeded, allowing for successful processing of your transaction.

When utilizing your Ujjwal EMI Card for purchasing products on EMIs, you have the option to select from the following value-added services to augment your loan:

• Safe Pay
• Mobile Protect
• Extended Warranty
• Wallet Security

Additionally, you can enhance your protection by opting for our comprehensive Care360° or Health360+ plans, offering holistic coverage for your family. The services included in Care360° or Health360+ include free doctor consultations, savings on medicines/lab tests, personal accident coverage, life cover, and more.