Cardless EMI: Fully digital, instant & affordable way to shop

Looking for an affordable way to shop, let’s get you started with Cardless EMI. InstaCred enables you to shop using a pre-approved Cardless EMI credit line from your Bank/NBFC which you can use across 2 lakh + merchants.

Since we have partnered with the Banks/NBFCs there is No paperwork! No card needed! Simply use your mobile number to transact. Our current partners include leading Banks/NBFCs that include Kotak Mahindra Bank, HDFC Bank, ICICI Bank, IDFC First Bank, Bank of Baroda, Federal Bank and Home Credit. 

If you are a customer of one of these you may have a pre-approved line to use Cardless EMI. There are a total of 45+ crore pre-approved customers in all and if you have an account in one of the Banks/NBFC you can be one. To know if you are pre-approved by your Bank/NBFC check your eligibility instantly with your mobile number, click here!  

Here’s what you can buy with Cardless EMI

Cardless EMI is your one-stop affordability solution for shopping/payment needs. You can buy all your favourite products eligible for EMI. Here are some of the most popular categories that you can buy now, pay later with Cardless EMI:

• Mobiles from leading brands 
• Electronics including laptops, tablets, television and headphones 
• Home appliances including washing machines, air conditioners, microwave ovens, refrigerators and more
• Clothing, footwear and accessories for men, women and kids
• Flight tickets & holiday packages 
• Fitness Classes, Yoga, Wellness centres and more.
• Insurance Premium 
• Online courses including tuition, short courses, full-time programs etc.

To view all categories, click here

Shop with Cardless EMI at your favourite online stores and brands

You can use Cardless EMI at the most popular large and top regional online stores and brands. Some of the top stores include:

• Flipkart
• Amazon
• Myntra
• MakeMyTrip
• Vijay Sales
• Pepperfry
• Byjus
• Cult.fit
• Zebrs
• M D Computers

To view our leading merchants, click here

How to shop using Cardless EMI

Shopping with Cardless EMI is fully digital, seamless and secure. Follow these steps.

• Visit merchant website/app
• Add your product to cart 
• During checkout you will see EMI option or Cardless EMI
• Select your <Bank/NBFC> Cardless EMI 
• Complete 2-factor authentication & complete payment

To learn more visit our FAQs page, click here