0% Interest Available

Smarter way to buy on EMI without credit card !

Instant Process | No physical document | 100% online process

All we need is your AADHAAR, PAN, Income proof & 1 PDC cheque to approve your Kissht EMI card.

Login or Sign Up

0% Interest Available

Smarter way to buy on EMI without credit card !

Instant Process | No physical document | 100% online process

All we need is your AADHAAR, PAN, Income proof & 1 PDC cheque to approve your Kissht EMI card.

Use Kissht EMI card and buy your Dream products in 3 simple steps

1.

Sign up

  • Enter your PAN number and personal details
  • Verify your Mobile number using OTP
2.

Get Kissht EMI card pre-approved in 10 seconds

  • Verify KYC details
  • Connect with AADHAAR
  • Upload Aadhar, Pan & 3 months bank statement
  • Kissht EMI card activated
3.

Buy on 50+ Online and 3000+ Offline stores

  • Shop at your convenience from 3000+ of our partner Merchant shops
  • Buy products worth as low as 5000 and upto 5 lakhs
  • Get e-voucher to shop at , directly.

DOCUMENTS REQUIRED AND ELIGIBILITY CRITERIA

Documents

Copy of AADHAAR Card
Copy of PAN Card
1 PDC Cheque
Last 3 months bank statements

Eligibility

Be a salaried professional ( Minimum monthly salary Rs. 12,000)
Self Employed ( Minimum Annual income Rs. 120,000)

FREQUENTLY ASKED QUESTIONS

KISSHT EMI PROCESS (4)

WHAT DOCUMENTS ARE NEEDED TO APPROVE A LOAN?
Documents related to KYC as per regulations are needed.
HOW MUCH TIME WOULD IT TAKE TO APPROVE MY APPLICATION?
Typically, our systems take around 24 hours for final approval of loan application.
WHAT WILL BE THE REPAYMENT SCHEDULE OF THE LOAN?
You can choose any monthly repayment schedule of a minimum of 3 months and up to 12 months depending on your convenience.\n\nAnd for products bought under scheme Buy Now Pay Later ( BNPL )– You Can Pay later after 1 month.
HOW DO I SHOP ON EMI WITHOUT CREDIT CARD?
Three simple steps- Sign up with Kissht, Complete your loan application process.Post loan approval, we will provide you with an e-voucher to be used on Flipkart for shopping(or any online merchant?)

E-VOUCHER RELATED (3)

HOW CAN I REDEEM MY E- VOUCHER?
You can use it to pay during checkout at Flipkart. You can either use the entire amount in the voucher for a single or multiple purchases or as a part payment for an order on Flipkart. (or any online merchant?)
CAN I USE THIS E-VOUCHER FOR BUYING SOMETHING ELSE
You can use the e-voucher to buy any other product(or any online merchant?)
WHAT HAPPENS WHEN I DON’T USE ENTIRE E-VOUCHER AMOUNT?
If the price of the product is lower, you can use the balance amount for the balance amount for your next purchase on flipkart(or any online merchant?)

CANCELLATION/ REFUND POLICY (4)

WHAT IS THE PROCEDURE TO RETURN AND GET A REFUND FOR MY PURCHASE?
We do not have a return/refund policy. However, you can replace the product in case it is defective/damaged. Replacements are subject to the respective e-commerce portal\'s return policy.
WHAT IF THE DELIVERY IS DELAYED?
The delivery totally depends on our merchant partners! If it’s delayed then that’s unusual. Please get in touch with our customer support team.
WHAT IF I DON’T WANT TO BUY THIS PRODUCT ANYMORE AND WANT TO CANCEL MY LOAN?
If you want to change the product you can always do that through the app via the side menu swiping right on the application. If you want to cancel the product, don’t hesitate to get in touch with our customer support team at care@kissht.com. They would love to help you with that (trust us; they wait for you all day.
WHAT IF THE PRODUCT IS NOT AVAILABLE ON FLIPKART ANYMORE?
You can opt for a different product with voucher code or you can wait for the product to be available. If you wish, you cancel the loan by sending us an email at care@kissht.com.
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