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- What is HDFC Bank FlexiPay and how does it work
What is HDFC Bank FlexiPay and how does it work?
Have you ever visited a store or shopping website and had to stop yourself from purchasing a product because of the price and the timing? If you have, it is time to put those days behind you. HDFC Bank has introduced FlexiPay, an innovative, smart, and convenient way to pay for your purchases. With FlexiPay, you can buy the things your heart desires without burning a hole in your pocket!
What is FlexiPay?
FlexiPay is a payment solution introduced by HDFC Bank that enables you to shop to your heart’s content, and pay for it at your convenience. It is a buy now, pay later facility that lets customers buy products and services without having to make an upfront payment. While FlexiPay may function like a small-ticket loan, it provides customers with a seamless and convenient experience. With FlexiPay, shopping can become a stress-free. Whether you purchase clothes, or book a holiday, or get your monthly groceries, FlexiPay will help make the affair affordable and quick.
What are the features and benefits of FlexiPay?
With FlexiPay, you can enjoy the following features and benefits:
You can enjoy the facility at actual cost for 15 days.
You can avail of this facility at zero convenience fees, processing fees, and hidden charges.
You can rely on an instant credit line to help with your expenses.
You can easily repay the borrowed amount through flexible repayment options and tenures.
You can choose from repayment tenures that range from 15 days to 90 days at nominal monthly charges.
You only have to pay off the utilised principal and interest at the end of your chosen tenure. The amount is auto debited from the customer’s account after the end of selected tenure.
You can read more about the features and benefits of FlexiPay here.
Who is eligible to use FlexiPay?
To use the FlexiPay payment plan, you have to hold an HDFC Bank Debit Card. Thus, you have to be a Current or Savings Account holder at HDFC Bank. Do note that only pre-approved customers are eligible for flexipay since it is an invite only productions.
HDFC Bank also restricts the loan amount that you can avail of. The minimum loan amount for FlexiPay is ₹1,000, whereas the maximum is capped at ₹20,000.
Where can you use FlexiPay?
You can use FlexiPay online as a payment option and find it on your preferred platform’s checkout page. It is an added feature, and you can apply it to the primary options of your Debit Card and Credit Card.
How does FlexiPay work?
FlexiPay allows you to access a digital line of credit for a maximum tenure of 90 days. While the interest due is debited from your account as per the due date, you can pay the principal at the end of the tenure.
The interest rate applicable to your FlexiPay plan depends upon the tenure chosen. Additionally, you may have to pay GST, late payment fee. To know more about the same in detail, you can click here.
To use the service online, you have to follow the steps given below:
When you arrive at the check-out page on any shopping portal or PoS enabled merchants in store, select HDFC Bank FlexiPay.
Next, enter your HDFC Bank registered mobile number.
Select the tenure of your choice and enter the last 4 digits on HDFC Bank Debit Card or PAN numeric 4 digits. Also, check the terms and conditions box.
Plugin the OTP you receive on your mobile number for verification.
With FlexiPay, you can purchase whatever you want with just four easy steps. Pay for your purchases at a later date, as per your convenience. Shopping as per your wishes has never been as easy! If you are ready to start saving on regular spends, then open your Savings Account or Current Account with HDFC Bank today.
*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. FlexiPay Loan at the sole discretion of HDFC Bank limited. Loan disbursal is subject to documentation and verification as per Banks requirement.