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You can get instant credit of up to Rs 60,000 on Amazon and Flipkart during their festive sales

As the festive season kick starts with Navratri today, the annual enticing sales are set to return on the two leading e-commerce platforms in India – Amazon and Flipkart. The two e-retail behemoths work to make their offers more lucrative year after year, and this time the master stroke comes in form of instant credit of up to 60,000 being offered to registered users on both the platforms.

The Amazon Great Indian Festival offer runs from October 10 to 15 whereas The Big Billion Days sale on Flipkart is on from October 10 to 14. During this time, customers can avail this instant credit from the e-retail platforms and use them for their festive shopping. The amount credited to a customer’s account will depend on past shopping history, pattern and amount spent in purchases from the platform. The credit details are added to the users’ account and can be accessed under the cardless credit option on the mobile apps by submitting PAN and Aadhaar card details.

flipkart-amazon

While Amazon has introduced this instant credit as part of its Amazon Pay service, Flipkart is offering it as an extension of the Pay Later initiative it launched this January.

How to Avail the Instant Credit Offer

The instant credit offer can be a great way to squeeze in some extra shopping even if you are operating on a shoe-string budget, thanks to all the other festivity expenditures. Here’s how you can avail this service:

On Flipkart:

The offer is available only for customers who have signed up for ‘Pay Later’ services. Once you access the cardless credit option, you will see a ‘apply now’ button. Click on it and opt for anywhere between 3 and 6 EMIs, as these come at no interest whereas anything beyond that will attract a premium annual interest of 25 per cent. Furnish your Aadhaar and PAN detail and click on submit. At this point, you will receive an OTP from UDAI, which you need to enter on the Flipkart app to get your instant credit approved.

amazon_sale_1475469755367On Amazon:

If you aren’t using the Amazon Pay service already, you need to register yourself to avail this instant discount. Upon completing the registration process, your account will reflect the Amazon Pay EMI option. Click on ‘get started’ and Amazon will let you know if you have been selected with an eligibility message. Click on ‘check eligible amount’ option, and you’ll be prompted to enter your Aadhaar and PAN detail. After finishing this process, click on ‘submit’ and enter the OTP received. At this point, the credit amount will reflect in your account.

Besides the instant credit offer and heavy discounts, both the e-retailers are offering no cost EMIs on debit and credit cards from all banks. If you have a lot of items added to your shopping wishlist, now is the perfect time to bring them home.

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