In today’s digital world, convenience is everything. Whether you’re shopping for gadgets, fashion, or groceries, “Pay Later” services offered by Amazon and Flipkart can make your shopping experience smoother. These services allow you to make purchases instantly and pay at a later date, either in full or through EMIs. In this guide, we will explain how to get Amazon Pay Later and Flipkart Pay Later and why they are beneficial.
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What is Amazon Pay Later?
Amazon Pay Later is a credit facility offered by Amazon in partnership with lending partners like IDFC First Bank and Axio. It allows eligible customers to shop without an immediate payment and settle the bill next month or through EMIs.
Eligibility for Amazon Pay Later
To be eligible, you must:
- Be an Indian resident
- Have an active Amazon account with a good purchase history
- Be KYC-compliant (Aadhaar-based or CKYC verification)
- Have a valid PAN card
- Have a valid bank account with net banking enabled
How to Apply for Amazon Pay Later?
Follow these steps to activate Amazon Pay Later:
- Open Amazon App-Log in to your Amazon account and navigate to the “Amazon Pay” section.
- Find Amazon Pay Later – Scroll down and click on “Amazon Pay Later” under “Payment Options.”
- Check Eligibility – Amazon will check your eligibility based on your account activity and creditworthiness.
- Complete KYC Verification – If eligible, you will need to complete KYC verification using your PAN and Aadhaar. Some users may be required to submit additional documents.
- Set Up Auto Repayment – Link your bank account for auto-debit of payments.
- Approval & Activation – Once approved, you can start using Amazon Pay Later for transactions.
What is Flipkart Pay Later?
Flipkart Pay Later is a similar service offered by Flipkart in partnership with lending institutions like IDFC First Bank and Axis Bank. It allows users to buy now and pay next month or convert purchases into easy EMIs.
Eligibility for Flipkart Pay Later
To be eligible, you must:
- Be an Indian citizen above 21 years old
- Have an active Flipkart account with a good shopping history
- Have a valid PAN and Aadhaar card
- Have a linked bank account
How to Apply for Flipkart Pay Later?
Here’s how you can activate Flipkart Pay Later:
- Open Flipkart App – Log in and go to the “My Account” section.
- Click on ‘Flipkart Pay Later’ – Under the “Payment Methods” section, find and select “Flipkart Pay Later.”
- Check Eligibility – Flipkart will assess your eligibility based on past shopping behavior and credit history
- Complete KYC Process – Enter your PAN, Aadhaar, and verify via OTP. Some users may require a video KYC.
- Set Up Repayment Method – Link your bank account or UPI for automatic payments.
- Approval & Usage – Once approved, you can start using Flipkart Pay Later for transactions.
Benefits of Using Amazon & Flipkart Pay Later
- Instant credit approval
- Interest-free repayment within the due period
- Easy EMI options
- No need to enter card details for every purchase
- Improves credit score when used responsibly
Final Thoughts
Amazon Pay Later and Flipkart Pay Later are excellent options for hassle-free shopping with flexible payment options. However, always keep track of your due dates to avoid late fees and interest charges.