Cardless EMI by InstaCred

1. What is Cardless EMI by InstaCred?

Cardless EMI by InstaCred allows you to shop on EMI using Pre-Approved Credit Limit / Debit Card EMI limit assigned to you by your Bank/Financial Institution at your favourite online website using just your Mobile Number. So if you hold IDFC FIRST Bank Easy Buy Card, Home Credit Ujjwal Card or have a pre-approved Debit Card EMI Limit from ‘HDFC Bank’,’Kotak Mahindra Bank’ or ‘Federal Bank’, you can shop on Emi using Cardless EMI by InstaCred

2. How do I shop using InstaCred?

If you are pre-approved by one of our lending partners (as mentioned above), simply add your products to Cart and select CCAvenue / Razorpay on Checkout. Select EMI -> Cardless EMI by InstaCred and add your Mobile Number registered with your Bank/NBFC. Select your preferred tenure and follow the instructs to complete your Transaction with your Bank/NBFC. Your EMIs will be debited by your Bank/NBFC

3. Are there any processing fees associated with InstaCred EMI?

Fees / Charges on your Loan are at the discretion of your Bank/Lender. Processing Fees, if any, will be displayed to you at the time of Transaction confirmation.

4. Do I need to make a down payment?

No. There is no down payment that is required to buy a product via InstaCred Cardless EMI.

5. Where can I track the status of my purchase?

Once your purchase is complete, you will receive a confirmation from You can also check the status of your purchase by navigating to purchase history after logging in to ( You can also check with your Bank/NBFC on the status of your Loan


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