How to Close Flipkart Pay Later Account Permanently
Introduction
In recent years, Flipkart has expanded its offerings beyond just e-commerce. One such financial product is Flipkart Pay Later — a credit-based payment solution that allows users to buy products now and pay later. While this feature adds convenience, many users eventually look to close their Flipkart Pay Later accounts for reasons such as financial discipline, credit score concerns, or simply because they no longer use the service.
If you’re one of those users wondering how to close your Flipkart Pay Later account permanently, this comprehensive guide will walk you through every step. We’ll explain what Flipkart Pay Later is, how it works, and most importantly, how to securely and permanently deactivate your account.
What is Flipkart Pay Later?
Flipkart Pay Later is a Buy Now, Pay Later (BNPL) credit service offered in partnership with financial institutions like IDFC First Bank, Axis Bank, or other third-party lenders. It allows customers to make purchases on Flipkart without paying upfront. Instead, users are given a pre-approved credit limit which they can utilize and repay either in one lump sum next month or through easy EMIs.
Here’s what Flipkart Pay Later typically includes:
- A credit limit (ranging from ₹1,000 to ₹70,000 or more depending on your eligibility)
- Zero or low interest for short-term usage
- Option to convert large purchases into EMIs
- Monthly consolidated bill for all purchases made under the service
While the service is convenient, many users later choose to opt out due to debt management concerns, data privacy, or infrequent usage.
How to Close Flipkart Pay Later Account Permanently
Closing your Flipkart Pay Later account is not as simple as clicking a “Deactivate” button. Since it involves financial partners and credit services, a few formalities must be completed. Here’s a step-by-step guide:
Step 1: Clear Outstanding Dues
Before initiating closure, ensure that:
- Your Flipkart Pay Later balance is zero
- All dues are paid in full and on time
- No active EMIs or pending bills are left
To check your dues:
- Open the Flipkart app
- Go to My Account > Flipkart Pay Later
- Review your current balance and billing details
Step 2: Raise a Request via Flipkart Support
Since there is no direct option in the app or website to close the Pay Later account, you need to:
- Visit the Flipkart Help Center
- Log in to your Flipkart account
- Select ‘I want help with other issues’
- Choose ‘Flipkart Pay Later’ > ‘Deactivate Account’ (if available)
- If not available, click on ‘Chat’ or ‘Call Us’ to contact a customer care representative
- Clearly request: “I want to close my Flipkart Pay Later account permanently.”
Make sure to take note of your ticket number for tracking the status.
Step 3: Email the Lending Partner (If Required)
If Flipkart directs you to their banking partner (such as IDFC First Bank or Axis Bank), you may need to raise a formal closure request via email.
Example email template:
To: [support@idfcfirstbank.com] / [partner email provided]
Subject: Request for Permanent Closure of Flipkart Pay Later Account
Body:
Dear Sir/Madam,
I am a registered user of Flipkart and currently have an active Flipkart Pay Later account. I would like to request the permanent closure of my Flipkart Pay Later facility linked to my account [Registered Mobile Number].
I have cleared all dues and do not wish to use this facility in the future. Kindly process the closure request and confirm once completed.
Thank you.
Regards,
[Your Full Name]
[Registered Email and Mobile Number]
Step 4: Receive Confirmation
Once the process is completed, you should receive:
- An official confirmation from Flipkart or the lending partner
- An SMS/email stating the account has been closed
Keep this record for future reference.
Importance / Benefits of Closing Flipkart Pay Later Account
If you’re unsure whether closing your Flipkart Pay Later account is the right decision, consider the following benefits:
- Improved Credit Discipline
Using BNPL services irresponsibly can lead to overspending. Closing the account can help maintain better financial control. - Protect Your Credit Score
Missed payments or high credit utilization can negatively affect your credit score. Closing the account eliminates this risk. - Reduce Unused Credit Lines
Unused credit lines can sometimes complicate your credit report or raise flags during loan approvals. - Better Privacy
With fewer third-party lenders having access to your credit data, your financial information remains more secure.
Real-Life Example: Rohan’s Experience
Let’s take a real-world scenario for better understanding:
Rohan, a salaried employee in Mumbai, frequently used Flipkart Pay Later for small purchases. Over time, he realized that the monthly bills were affecting his budgeting. He also noticed that even after clearing all dues, the account still appeared active. After contacting Flipkart support and confirming zero dues, he was asked to email IDFC First Bank. Within 6 business days, he received an official confirmation email of account closure.
Rohan shared this advice:
“Don’t forget to get written confirmation. Keep a screenshot or email proof, especially if you’re planning to apply for a loan in the near future.”
Conclusion
Flipkart Pay Later is a useful tool for many online shoppers, offering quick and easy credit. However, for those who no longer need it or wish to practice tighter financial control, closing the account is a smart move.
To permanently close your Flipkart Pay Later account, always:
- Settle all outstanding bills
- Contact Flipkart’s support or the associated financial partner
- Request and save written confirmation
By following these simple yet essential steps, you ensure your credit history remains clean, your data secure, and your finances under control. Whether you’re simplifying your finances or preparing for a future loan application, understanding how to deactivate unused credit lines like Flipkart Pay Later is a valuable step forward.