Home Credit Ujjwal Card Apply – Review, Benefits, Eligibility in Details: Ujjwal Card Apply 2024 Can be like Mobile, LED TV, Washing Machine, Fridge, AC, Cooler etc.
This credit card comes from the Home Credit company, whose name is Home Credit Ujjwal Card . Home credit company is known as a finance company in India.
So let’s know that we will tell about the credit card given by Home Credit App like How to Get Home Credit Ujjwal Card, Home Credit Ujjwal Card Apply , Eligibility, Documents Features, Interest Rate etc. All the details about all the other information. are going to provide.
We will also tell you what things you should keep in mind while taking a credit card, etc. will give all other information.
About Home Credit Ujjwal Card
Home Credit EMI Credit Card is a card that allows you to buy all items like Freeze, AC, Cooler, Washing Machine, Mobile Phone, LED TV and much more on easy EMI . This card is also known as Ujjwal ( EMI ) Card.
You can apply this card online in 100% online, paperless way. Apart from this, this credit card also gives you a limit of ₹ 10,000 to ₹ 50,000.
At present, there are more than 31,000 Partner Shops of Home Credit mobile application where you can shop offline.
For Home Credit Credit Card, you can take any electronic item in monthly installments on Amazon, Flipkart, TATA CLIQ, Home Credit Electronics, Make My Trip, EMI Store, Big Bazaar, Home Towns etc. You will be able to apply for a personal loan in more than 300 cities in India.
Home Credit is an RBI and NBFC approved company that provides you loans in a secure manner.
It is a fast, secure app that currently has over 1 crore satisfied customers in India, and is rated 4.3 on the Google Play Store.
Home Credit Ujjwal Card Loan Details Key Features
| Mobile application name | Home Credit – Personal Loan App |
| Type of loan | Mobile Phone on EMIs, Home Appliances on EMIs |
| Partnership company | Ujjwal Card |
| Age to take loan from google pay app | Between 18 to 69 years |
| Documents required to take loan from Google Pay App | PAN card, Aadhar card, Bank details etc. |
| How to apply loan from google pay app | online process |
| What is the credit limit for Google Pay app? | ₹10,000 to ₹5 lakh |
| Official website | Click Here |
| Download App | Click Here |
Eligibility to take Ujjwal Card Loan
To get a credit card from Home Credit, the eligibility criteria given below must be fulfilled:
Applicant must be an Indian citizen between the age of 18 to 65 years Applicant must have a valid identity and address proof Must have an active source of income There should be a gap of 90 days between home credit applications. You must have an active bank account. You also need to have a mobile number linked with Aadhar card. You must have KYC documents like Aadhar Card, PAN Card.
Documents Need Ujjwal Card
PAN Card aahar card NREGA Job Card NPR Letter Form 60 (with one proof)
Note : PAN Card (Mandatory) and Address Proof is required to avail Home Credit Ujjwal (EMI) Card.
Ujjwal Card Interest Rate
The interest rate for Home Credit Ujjwal ( EMI ) Card starts from 0% – 40% per monthly interest rate, along with other charges like processing fee, GST fee, late fee etc. You may also have to pay.
Ujjwal Card Fees And Charges
There are some charges to be paid for the home credit card which are as follows:
| Interest | Starting at 1.33% per month interest rate. |
| Joining Fee | With a one-time joining fee of up to ₹549. |
| Membership Fee | annual membership fee of ₹99 (all-inclusive) |
| Processing fee | Up to ₹ 799 |
| APR (Annualized Percentage Rate) | Up to 2% |
| Fee | 18% GST for all charges |
| Days Past Due | 1 day- 180 days |
| Late Payment Charges | ₹ 350, ₹ 750 |
| Total Late Payment Charges | ₹ 350-₹ 4350 |
Disclaimer : Use your understanding while applying for a credit card, apply for this loan only when you really need the money, otherwise do not take the loan, before taking the loan, you must read the terms of condition.
Ujjwal Card Limit
With Home Credit Ujjwal Credit Card, you get a credit limit of ₹ 10,000 in the initial period, but as your credit limit increases, you can also get a credit limit of up to ₹ 50,000,
Loan Type
At present, Home Credit provides many types of loans to its customers which are as follows.
- Mobile Phone on EMIs,
- Home Appliances on EMIs,
- Personal loan,
- Home Credit Ujjwal ( EMI ) Card,
- Two-Wheeler Loan ,
- Home Loan INSURANCE,
- Health Insurance,
- Pocket Insurance,
- Two Wheeler Insurance
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Home Credit Ujjwal Card Features
Following are the features of Home Credit credit card loan which are as follows:
- Fast, secure, convenient loan can be availed online.
- After the credit card is approved, you can transfer the credit limit to the bank account.
- You can apply for a loan sitting at home.
- Can be taken without paper.
- No guarantee of any kind is required.
- If your civil score is good then it gets approved immediately.
- The credit limit depends on the applicant’s salary and credit score.
- You can use it to buy Gift Cards for Amazon and Flipkart and to shop online, to pay bills.
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Who can apply for Ujjwal Card Loan
Apart from this, self employed, job seekers, students, small businessmen, a common man can apply for this card through Aadhar card and PAN card through its official website and mobile application on Google play store. You can also get this card from offline home credit stores.
My Home Credit Ujjwal (EMI) Card Review
Today we have provided you all the information about How to Apply Home Credit Ujjwal ( EMI ) Card Loan , Home Credit EMI Card Apply 2024 , Home Credit Ujjwal Credit Card Review , apart from this we have provided the eligibility of this loan , documents to take loan , loan Features All other information is also shared with you. For more information you can follow us on social media platforms.
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Home Credit How To Apply Ujjwal Card Online
You can activate Home Credit EMI Card through digital KYC through Aadhaar card and PAN card. This credit card can be applied both online and offline.
The steps to apply for this credit card online are given below which is as follows.
1. Online Method
Home Credit Ujjwal Credit Card can be applied online with the help of the official website and mobile application available on Google Play Store.
Step 1. The process to apply for this credit card is as follows:
Step 2. Install HOME CREDIT App from Google Play Store.
Step 3. After this, the registration has to be completed with the mobile number.
Note : User ID and Password is sent to your mobile number through SMS.
Step 4. Now you have to click on Start Application.
Step 5. After this you have to submit your monthly income.
Step 6. Now here you are told whether you are eligible for this card or not. If you are eligible for this card, then this information is given to you through SMS and you can get information about its status on its app.
Step 7. Next, you have to enter your personal details like name, pin code, employment.
Step 8. After this you have to fill your address details.
Step 9. Now upload Aadhaar, PAN card and photo to do your eKYC .
Step 10. After this you have to setup your Home Credit Account where you have to activate your Saving Account for Auto Pay through E Mandate through NACH which you can do through Aadhaar Otp.
Step 11. Now your account has been activated.
Note : This card is given to you in the form of a virtual card. This card does not come in physical format.
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2. Offline Method
Home Credit Ujjwal Credit Card can be applied for credit card through Aadhar card, PAN card at nearest store.
Note : To activate the credit card, first you can buy at least ₹ 10,000 in equal easy installments from the offline store
FAQ’s on Home Credit Ujjwal Card Loan
Q1. What is Ujjwal (EMI) card?
Ans. The Ujjwal (EMI) card is a fast credit card for buying a smartphone or home appliance at easy monthly EMIs, which can be paid in monthly installments.
Q2. How to apply for Ujjwal (EMI) card
Ans. You can apply for Home Credit credit card from the official website and its mobile application on Play Store.
Q3. Do I need to pay any charges to get the Ujjwal (EMI) card?
Ans. A one-time joining fee of up to ₹549 will be charged for the processing fee. Also, a membership fee of ₹99 will be charged annually, which can be waived if you use your card even once in every 12 months.
Q4. Can I choose the credit limit for my Ujjwal (EMI) card?
Ans. Yes, Home Credit lets you set your Ujjwal (EMI) card limit from ₹10,000 to the maximum offered limit.
Q5. Can I increase/decrease the limit after getting the Ujjwal (EMI) card?
Ans. The reduction or increase in the limit of Ujjwal (EMI) card is not allowed after issuance. However, you are allowed to choose your credit limit while availing the Ujjwal (EMI) card.
Q6. Can I apply for a physical card?
Ans. Home Credit does not issue a physical card. The Ujjwal (EMI) card is an instant credit limit available through the Home Credit mobile app. All you need is the Home Credit app on your mobile phone to use the Ujjwal (EMI) card for purchases.
Q7. How long does it take to activate the Ujjwal (EMI) card?
Ans. The Ujjwal (EMI) card gets issued within a single working day after the completion of the required documents.
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Q8. How to block Ujjwal (EMI) card?
Ans. You can deactivate your card instantly by simply talking to Home Credit customer care at 0124-662-8888.
Q9. What can I do if my Ujjwal (EMI) card is misused?
Ans. In case of any suspicious activity you can contact Home Credit customer care at 0124-662-8888 to block your card immediately.
Q10. How to do Ujjwal (EMI) card loan repayment?
Ans. Ujjwal (EMI) card loan repayment can be done very easily with the help of Home Credit App. Along with this, when you open your account, from there you will also be able to repayment of the loan through Auto Debit.
Apart from this , when your bill is generated through Paytm , PhonePe , Google Pay , Debit Card, Net Banking, you will also be able to make repayment through Online Payments Mobile Application.
Q11. What will happen if Ujjwal (EMI) card loan is not paid?
Ans. If you do not repay the loan then your civil score may get spoiled and your bank account may also freeze. Along with this, your credit score may become so bad that you may not even be able to take a loan from any online platform in future.
Q12. What is Home Credit customer care number?
Ans. If you face any kind of problem then you can talk to the customer care of Home Credit App which is available 24/7 hours, also you can get the solution of your problem through email as well.
- Customer Care No : 0124-662-8888 (Between 9:00 AM – 6:00 PM, All Days)
- General Queries: [email protected]
Note : You can also get the solution of your problem through live chat