Shop smarter with Ujjwal Card

You can avail Home Credit Ujjwal Card, if you fulfill the following criteria:

• Age: Between the age group of 18 to 69 years
• Income source: Salaried or Self-employed or Pensioner
• Bank account: Should have an active bank account
• Documents: PAN card(Mandatory) and Address Proof
• Gap between two Home Credit loan applications: min 90 Days

PAN card(Mandatory) and Address Proof are required to avail Home Credit Ujjwal card

We only accept PAN Card as valid Identity Proof​​​​​ 

You can apply for the Ujjwal Card at the Home Credit Mobile app by following the below-mentioned steps

• Download ‘Home Credit India’ App from the Play Store
• Click on ‘Register And Apply’ 
• Complete online application form
• Visit a Home Credit Partner shop to complete KYC

Now, you can also apply for an Ujjwal Card at any of the Home Credit partner shops. For Home credit partner shops near you, click here

No, Ujjwal Card is an instant limit that you can avail for smartphone and home appliance purchases at Home Credit partner shops. No cash or any other form of payment mode is required with Ujjwal Card and it also lets you convert your purchase into easy EMIs

A one-time joining fee of ₹549 will be charged towards the processing charges. Also, a membership fee of ₹99 will be charged annually, which can be waived if you use your card even once every 12 months

Ujjwal Card provides you with an instant limit of ₹10,000 to ₹50,000 based on your credit eligibility.  

Yes, Home Credit gives you the flexibility to set your Ujjwal Card limit from ₹10,000 up to the maximum offered limit

Reduction or increment in the Ujjwal Card limit is not permitted post issuance. However, you are allowed to choose your credit limit at the time of availing the Ujjwal Card

Home Credit does not issue a physical card. Ujjwal Card is an instant credit limit available through the Home Credit mobile app. To utilize Ujjwal Card for shopping you just need your Home Credit app on your mobile phone.

Ujjwal Card will be issued within a single working day once the required documentation is completed

You can utilize Ujjwal Card to make purchases at more than 29,000 Home Credit partner shops. For Home credit partner shops near you, click here

A nominal transaction fee is charged to cover processing charges. The transaction fee varies from product to product. For more details, you can connect with home credit loan experts stationed at all Home Credit partner shops

The down payment amount varies for different products. For more details, please contact our loan expert at your nearest Home Credit partner shops.

There is no limit on the transaction counts; you are free to use your Ujjwal Card upto the maximum allowed assigned limit

Home Credit to ensure security, requires you to carry your ID for verification and mobile with the Home Credit app to make purchases

You can use your Ujjwal Card to make multiple transactions up to the maximum limit. However only one monthly installment per transaction will be billed to you every month.

Please click here to get the address of the Home Credit partner shops near you

There is no option to change the EMI tenure once the transaction is finalized. However, Home Credit gives customers the flexibility to choose their tenure before finalizing the transaction

Ujjwal Card can be utilized to make purchases only at the Home Credit partner shops. To locate Home credit partner shops near you, click here

There is no option to postpone EMIs; they should be paid on or before the due date to avoid late payment charges. Customers can opt for Fin-Shield to cover them in such eventualities

Payment Holiday allows customers to postpone their EMIs by one month. It can be availed after paying the first two EMIs on or before the due date.

Early Foreclosure allows customers to foreclose their loan without any additional charges. Customers paying EMIs through direct debit mode are required to raise the foreclosure request 5 days before the next due date. Customers paying EMIs through any other method can raise foreclosure request anytime

Your monthly bill will be mailed to you on your registered e-mail at the end of the monthly billing cycle. You can also download your monthly bill easily on the Home Credit mobile app

Using your Ujjwal Card for shopping is very convenient

• Just visit your nearest Home Credit Partner shop
• Provide your registered mobile number to check your available limit
• Choose your product
• Choose your repayment tenure as per your flexibility
• Sign the documents and its done

Just head to your nearest Home Credit partner shop for an amazing shopping experience. To locate Home Credit partner shops near you, click here

Connect with Home Credit customer care at 0124 662 8888 for swift reconciliation of your monthly payment statement

In case of any suspicious activity just connect with Home Credit customer care at 0124 662 8888 for blocking your card immediately

Just connect with Home Credit customer care at 0124 662 8888 for blocking your card immediately

You can resume your Ujjwal Card application on the Home Credit mobile app. Just login and click on ‘Resume’ under ‘Exciting Offers’ to complete your Ujjwal Card application

The following document are accepted as valid address proof

• Voter ID Card
• Driving License
• Passport
• Bank Passbook / Bank Statement
• Government House Allotment Letter
• Property Tax Receipt

*Conditions apply. Home Credit India reserves the right to call upon additional documents at its discretion