Home Credit India Makes Everyday Shopping Smarter with the Card limit of up to Rs75,000
FinTech BizNews Service
Mumbai, May 12, 2025: Stepping up its commitment to simplify consumer financing,
Home Credit India, a leading consumer finance company, is making credit more accessible and
inclusive in India through its Ujjwal EMI Card. This pre-approved virtual EMI card offers an instant
credit limit of up to ₹75,000, making shopping seamless, smarter and paperless.
Designed to empower a wide demographic of customers— from first-time borrowers to salaried
professionals and self-employed individuals—the Ujjwal EMI Card makes shopping for consumer
durables more affordable, convenient, and flexible. Customers can use this virtual card online or in-
store to purchase smartphones, home appliances, healthcare plans, and convert the cost into easy
EMIs ranging from three to twelve months.
Key Highlights of the Ujjwal EMI Card:
Simple Eligibility
The Ujjwal EMI Card is available to all Indian citizens aged 18 to 60, including salaried, self-
employed, and retired individuals. The basic requirements include valid ID/address proof, an active
bank account, a monthly household income of over ₹25,000.
Hassle-Free Onboarding with One-Time KYC
The onboarding process is completely digital with minimal documentation, making it seamless.
Customers need to complete a one-time KYC using a PAN card and a valid ID proof (Aadhaar card/
Passport/Driving Licence/Voter ID) to get their virtual card instantly activated.
Exclusive EMI offers
Customers can shop online and offline with attractive offers like zero down payment and zero %
interest EMI options on a wide range of consumer durables & mobiles. The Ujjwal EMI Card gives
customers the access to Home Credit India’s extensive network of over 53,000 retail partners across
the country. Home Credit India has partnered with leading brands like Vivo, OPPO, Xiaomi,
Samsung, Whirlpool, Haier, Godrej, Blue Star, and Voltas to make purchases more accessible and
affordable.
Buy More Than One Product
This item's classification is Internal. It was created by and is in property of the Home Credit. Do not distribute outside of the
organization.
Customers can make multiple purchases with their Ujjwal EMI Card based on their credit limit and
EMI eligibility and pay through easy EMI’s as a single monthly bill, bringing more convenience to
everyday needs and bigger aspirations.
Value-Added Services for Enhanced Protection and Wellness
The Ujjwal EMI Card goes beyond just shopping convenience—it offers a suite of value-added
services designed to enhance both security and well-being. Customers can opt for essential
protection like Safe Pay, Mobile Protect, Extended Warranty, and Wallet Security to safeguard their
purchases. Additionally, health and wellness plans such as Care360° and Health360+ are available
on easy EMIs, making comprehensive care more affordable and accessible.
Apply from Anywhere, Anytime
Customers can easily apply for the Ujjwal EMI Card by either visiting a partner store, where
representatives will assist them through the paperless application process, enabling real-time KYC,
instant approval, and a seamless digital journey. For more information, customers can visit the
nearest retail partner of Home Credit India.
