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Exploring Alternative Ways to Buy Flipkart Products on EMI Without a Credit Card

Buy Flipkart Products on EMI Without a Credit Card

Buy Flipkart Products on EMI Without a Credit Card

Flipkart, India’s leading e-commerce platform, offers an extensive range of products at attractive prices. Many customers aspire to purchase these products on Equated Monthly Installments (EMI) to manage their budgets efficiently. However, not everyone owns a credit card, and obtaining one can be challenging for various reasons. In this article, we will explore alternative methods that allow you to buy Flipkart products on EMI without the need for a credit card.

  1. Debit Card EMI

One convenient option for purchasing Flipkart products on EMI without a credit card is by opting for Debit Card EMI. Some banks offer this facility to their debit cardholders, allowing them to convert their purchases into EMIs. To avail this service, you need to check if your bank provides Debit Card EMI facility and ensure that your debit card is eligible for the same. If eligible, you can shop on Flipkart and select the Debit Card EMI option during checkout.

  1. No Cost EMI

Flipkart offers a No Cost EMI option on select products, allowing you to spread the cost over monthly installments without incurring any additional interest charges. While this option typically requires a credit card, some banks also extend No Cost EMI offers to their debit cardholders. Check with your bank to see if they provide this facility and shop for products eligible for No Cost EMI on Flipkart.

  1. Bajaj Finserv EMI Card

If you don’t have a credit card but still wish to avail EMI options on Flipkart, you can apply for a Bajaj Finserv EMI Card. This card acts as a pre-approved loan, allowing you to shop on Flipkart and convert your purchases into easy EMIs. The application process is straightforward, and upon approval, you can use the EMI card for purchasing a wide range of products on the platform.

  1. Consumer Durable Loans

Certain financial institutions offer consumer durable loans that allow you to buy high-value items on EMI without a credit card. These loans are specifically designed for purchasing consumer durables like electronics, appliances, and gadgets. If you have a stable income and meet the lender’s eligibility criteria, you can apply for a consumer durable loan and use the funds to shop for your desired products on Flipkart.

  1. EMI Network Cards

EMI Network Cards, offered by non-banking financial institutions like Paytm, MobiKwik, and others, provide another route for purchasing Flipkart products on EMI without a credit card. These cards function similarly to credit cards and enable you to convert your purchases into EMIs. Do your research and choose a reputable financial institution offering the best EMI terms and conditions.

  1. Personal Loans

In certain cases, you may consider applying for a personal loan to buy Flipkart products on EMI. Personal loans provide a lump sum amount that you can use to make your purchase and then repay the loan amount in fixed monthly installments. However, remember that personal loans come with interest rates, so carefully assess the cost of borrowing before proceeding with this option.


While owning a credit card opens up a plethora of financial opportunities, you can still enjoy the convenience of EMI shopping on Flipkart without one. By exploring alternative options like Debit Card EMI, No Cost EMI, Bajaj Finserv EMI Card, consumer durable loans, EMI Network Cards, and personal loans, you can make your desired purchases on Flipkart and manage your expenses effectively.

Before proceeding with any of these alternatives, compare the terms, interest rates, and repayment options offered by various financial institutions to make an informed decision. Remember to assess your financial capacity to ensure timely EMI payments and avoid any undue financial burden. With these alternative options at your disposal, you can now shop on Flipkart and enjoy the flexibility of EMI payments without the need for a credit card.