Home Credit India Makes Everyday Shopping Smarter With Ujjwal EMI Card

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

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.

The Ujjwal EMI Card by Home Credit India is redefining consumer finance with a digital-first and inclusive approach. Tailored for aspiring borrowers, it offers an affordable and accessible way to turn purchases into manageable EMIs—without any financial constraints. More than just a financial tool, the Ujjwal EMI Card bridges the gap between aspiration and affordability, empowering millions of Indians to upgrade their lifestyle on their own terms.