Who can apply for HDFC Bank FlexiPay?

The eligibility criteria for HDFC Bank FlexiPay are designed to be simple and inclusive, ensuring that a wide range of customers can benefit from this service. To qualify for FlexiPay, you must be an HDFC Bank customer with an active debit card.

This basic requirement opens the door to a world of financial flexibility, allowing you to shop without the need for immediate full payment. There are no complex income or credit score requirements, making the service accessible to individuals from diverse financial backgrounds.

This simplicity in eligibility reflects HDFC Bank’s commitment to offering innovative financial solutions that are easy to use and access.

How does HDFC Bank FlexiPay work?

To use FlexiPay, start by selecting it as your payment option at the checkout page on your preferred online platform.

You will then be prompted to enter your HDFC Bank-registered mobile number, choose your preferred repayment tenure, and enter the last four digits of your HDFC Bank debit card. Once you agree to the terms and conditions, an OTP will be sent to your mobile number for verification.

Once the verification is complete, your transaction will be successfully processed. FlexiPay provides digital credit for up to 90 days. Interest is deducted from your account on the due date of your selected tenure—30, 60, or 90 days—while the principal amount is recovered at the end of the chosen period.

A tip for you!

When using HDFC Bank FlexiPay, it’s wise to make the most of the 15-day interest-free period. This feature allows you to manage your finances more efficiently by delaying payments without incurring additional fees.

Plan your purchases and repayments within this initial period to maximize the benefits of FlexiPay. Additionally, always keep track of your repayment schedule to avoid any interest charges that may apply after the 15-day window.