Shopping makes us happy. It is as simple as that! Research has revealed that retail therapy takes away feelings of stress and anxiety. It has a therapeutic effect, of course, when done without going overboard. However, this happiness can be short-lived when you reach the billing counter and realise you have a heavy bill and not enough funds.
Many of you may have experienced such a situation, where you are forced to put your shopping desires on hold due to budget constraints or a shortage of money. But did you know that there is a way to buy things now and push payments to a later date?
HDFC Bank FlexiPay – Your instant credit solution
Spend on things you want without worrying about your monthly budget going beyond limits. How? HDFC Bank’s FlexiPay is a banking solution designed for shoppers like you. By opting for the FlexiPay payment option, you can ‘Buy Now and Pay Later.’
Whether you are looking to break down a large purchase or tide over the month-end, FlexiPay makes spending and money management easy. You can avail of the instant credit facility on your HDFC Bank Debit Card for purchases starting from Rs 1000, going all the way up to Rs 60,000. Revamping your wardrobe, making sudden vacation plans, or uplifting your living space - FlexiPay ensures that lack of funds doesn’t come in the way.
Gives more option for convenience
The best part about FlexiPay is that payments made within the first 15 days are come with no extra costs. You can even avail of higher tenures, going up to 30, 60, or 90 days for a nominal interest charge, as low as Rs 70 per month on purchase worth Rs 3000.
Basis the tenure you have opted for, the interest and principal will be auto-debited from your bank account. For a 30 day tenure, the interest and the principal amount are debited at the end of the period. However, for 60- and 90-day tenures, only the interest is charged on a monthly basis, while you have the convenience to reimburse the principal amount at the end of the selected period. This works great for small-ticket purchases such as grocery, apparel, kitchen appliances etc
Access to the best
You can opt for FlexiPay on purchases made in-store or online. Be it lifestyle and fashion brands such as Lakme and Myntra, or gadget brands like Zebrs and Skull Candy, or home décor stores like Ikea or even travel booking sites such as MakeMyTrip – FlexiPay allows you to check-out faster by giving you the option to pay later. Apart from these, FlexiPay is also available on food, groceries, health, and fitness merchants.
Shop till you drop with FlexiPay
With HDFC Bank FlexiPay, you can get hassle-free credit access in less than two minutes and just five easy steps. Once you’re at the partner merchant’s checkout page, just select HDFC Bank FlexiPay – ‘Buy Now Pay Later’ option from the different payment options available, enter your registered mobile number, select the tenure, feed in the last four digits of your card details, enter and validate the OTP for the transaction and voila!
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*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.