🚨 Struggling with Flipkart Pay Later?
Whether you want to avoid overspending, protect your CIBIL score, or simply stop using the service, this guide will show you exactly how to deactivate Flipkart Pay Later in just a few steps. Plus, learn what to do if Flipkart refuses to close your account!
What is Flipkart Pay Later?
Flipkart Pay Later is a “Buy Now, Pay Later” (BNPL) service offered in partnership with IDFC First Bank. It allows eligible users to:
✔ Shop now & pay within 15-30 days interest-free
✔ Convert purchases into 3-6 month EMIs (at 9-24% interest)
✔ Get credit limits up to ₹1 lakh (based on eligibility)
⚠️ Warning: Late payments negatively impact your CIBIL score and may lead to harassment from recovery agents.
Top Reasons to Close Flipkart Pay Later
1️⃣ Protect CIBIL Score – Missed payments can drop your score by 100+ points
2️⃣ Avoid Overspending – BNPL encourages impulsive purchases
3️⃣ High Late Fees – Up to ₹500 per missed payment
4️⃣ Better Alternatives Available – Credit cards offer more rewards & lower interest
How to Close Flipkart Pay Later (3 Methods)
🔴 Method 1: Via Flipkart Help Center (Recommended)
Clear all pending dues in the Pay Later section
Open Flipkart App → Profile → Help Center
Select “Pay Later” → “Close Pay Later Account”
Choose Chat/Callback Request and confirm closure
⏳ Processing Time: 7-10 working days
🟠 Method 2: Email Request (If First Method Fails)
Email support@flipkart.com & helpdesk@idfcfirstbank.com
Subject: “Request for Permanent Closure of Pay Later Account”
Include:
Registered mobile number
Pay Later account details
Screenshot of zero balance
📩 Sample Email Template:
“Dear Team,
I request permanent closure of my Flipkart Pay Later account (Linked to Mobile No: XXXX). All dues are cleared as per attached screenshot. Please confirm closure and share NOC from IDFC First Bank.
Regards,
[Your Name]”
⚫ Method 3: RBI Ombudsman Complaint (Last Resort)
If Flipkart/IDFC doesn’t respond within 30 days:
File complaint at https://cms.rbi.org.in
Select “Digital Transactions – BNPL” category
Attach all communication proofs
💡 News Well Tip: Always record callback requests & save email threads!
5 Critical Things to Know Before Closing
1️⃣ No Reversal Possible – Once closed, you can’t reactivate Pay Later
2️⃣ Get NOC from IDFC Bank – Essential for credit report updates
3️⃣ Check CIBIL After 45 Days – Ensure account shows “Closed” status
4️⃣ Alternative Options: Consider Flipkart Axis Bank Credit Card (Lower interest)
5️⃣ Beware of Fake Closure Scams – Only use official channels
What Happens After Closure?
✔ No further transactions allowed
✔ EMI plans (if any) must continue till completion
✔ CIBIL report updates within 60 days
✔ No more spam calls from recovery agents
Final Verdict: Should You Close It?
✅ Close If: You overspend easily or have better credit options
“Disciplined spender” sounds more positive than “use responsibly”
⚠️ Urgent: If facing recovery harassment, immediately email:
grievance.redressal@idfcfirstbank.com with subject “Harassment Complaint”
यह भी पढ़े : “लोन का बोझ खत्म!” जानिए कर्ज़ से छुटकारा