Flipkart, one of India’s largest e-commerce platforms, offers Flipkart Pay Later as a convenient credit facility. It allows users to buy products instantly and pay for them at the end of the month or in easy EMIs. While this service provides flexibility, not everyone wishes to continue using it. Some people may want to close Flipkart Pay Later permanently due to financial discipline, security concerns, or because they simply don’t need it anymore.

In this comprehensive guide, we’ll cover:

What Flipkart Pay Later is and how it works
Reasons why people want to close their accounts
Step-by-step process to close your Pay Later account
Contacting customer support for assistance
Things to check before closure (like dues and CIBIL score)
Frequently asked questions (FAQs)

By the end of this article, you’ll have a clear roadmap to successfully deactivate or close Flipkart Pay Later permanently.

What is Flipkart Pay Later?

Flipkart Pay Later is a digital credit service introduced by Flipkart in partnership with financial institutions like IDFC FIRST Bank and others. It allows eligible customers to:

Shop now and pay later (usually by the 10th of the next month).
Convert large purchases into EMI with flexible tenure.
Get instant checkout without entering card details.

It works like a virtual credit line, similar to a credit card but without a physical card.

Why Would Someone Want to Close Flipkart Pay Later?

Although Flipkart Pay Later offers convenience, some users prefer to close it for various reasons:

Unnecessary Credit – If you don’t need credit facilities, keeping them open can tempt overspending.
CIBIL Score Concerns – Late payments can harm your credit score. Closing unused credit lines sometimes helps in financial discipline.
Privacy & Security – Some users don’t want financial institutions to track their spending.
Debt Management – People who want to manage debts may prefer to limit available credit.
Switching to Credit Cards – Some users rely on traditional credit cards instead, which offer cashback and reward points.
Inactive Service – If you never use Flipkart Pay Later, keeping it active serves no purpose.

Things to Check Before Closing Flipkart Pay Later

Before closing your Flipkart Pay Later account, make sure you do the following:

1. Clear all pending dues – Ensure you have repaid all outstanding bills.

2. Check EMI plans – If you have ongoing EMIs, complete the payments before requesting closure.

3. Download account statements – Keep records of your past transactions for future reference.

4.Verify CIBIL report – Closure may affect your credit score temporarily, so monitor it.

Step-by-Step Process to Close Flipkart Pay Later Permanently

Here’s a simple guide to deactivate your account:

1. Log in to Flipkart Account

Open the Flipkart mobile app or website.
Log in using your registered mobile number and password/OTP.

2. Go to “My Account” Section

Tap on your profile icon.
Navigate to “My Account” → “Flipkart Pay Later”.

3. Check Dues and EMIs

Ensure your account has zero dues.
If EMIs are active, pay them off completely.

4. Contact Flipkart Customer Support

Unfortunately, Flipkart does not provide a direct “Close Pay Later” button in the app. You must request closure via customer support.

Ways to contact support:

Through Flipkart App:
- Open the Flipkart app → Help Center → Pay Later → Choose “I want to close my account.”
By Email:
- Send a request to cs@flipkart.com stating your account details and request for permanent closure.
By Phone:
- Call Flipkart Customer Care at 1800-208-9898 (toll-free).

5. Request Permanent Closure

When connected with support, clearly state:

“I would like to permanently close my Flipkart Pay Later account. I have cleared all my dues and no EMIs are pending.”

6. Wait for Confirmation

Flipkart will verify your account.
You will receive a confirmation email or SMS within a few days.
Once closed, the account will no longer be visible under “My Account.”

Does Closing Flipkart Pay Later Affect Your CIBIL Score?

Yes, it can — but the effect depends on your financial profile:

If you have cleared dues on time: Closure has little to no negative effect.
If you closed with pending dues or defaults: Your CIBIL score may drop.
If you had a long credit history: Closing may slightly reduce your credit age, which can affect your score temporarily.

Tip: If your goal is financial discipline, closing it is a smart choice even if your score dips slightly — because long-term financial stability matters more.

Alternatives to Closing Pay Later

If you don’t want to close it permanently, here are some alternatives:

Stop Using It: Simply avoid using Pay Later for transactions.
Set Low Spending Limit: Use it only for emergencies or small purchases.
Disable Auto-Debit: Control when payments are made manually.

Final Thoughts

Closing your Flipkart Pay Later account permanently is not difficult — but you must first ensure all dues are cleared. Since Flipkart does not provide a direct self-service closure option, contacting customer care is the only way.

Always keep in mind:

Repay dues before requesting closure.
Check your credit report after closure.
Retain proof of closure for future reference.

By following the steps in this guide, you can safely close your Flipkart Pay Later account without any hassle.

FAQs on Closing Flipkart Pay Later

1. Can I close Flipkart Pay Later if I have active EMIs?

No. You must complete all EMI payments before requesting closure.

2. How long does it take to close the account?

Usually, 3–7 working days after your request is submitted.

3. Will my CIBIL score go down if I close Flipkart Pay Later?

It may temporarily dip, but if your repayment history is good, it won’t cause long-term harm.

4. Can I reopen Flipkart Pay Later after closing it?

Yes, you may be eligible again in the future, but approval depends on Flipkart and its partner bank.

5. Is there a fee for closing Flipkart Pay Later?

No, closing the account is completely free.

6. What happens if I don’t pay dues before closure?

Your account won’t be closed, and the dues will negatively impact your credit score.

7. Can I close Flipkart Pay Later from the app directly?

No direct option is available. You must raise a request through Help Center, email, or customer care.

8. Does Flipkart Pay Later affect my loan eligibility?

Yes. Like any credit account, it is reported to credit bureaus and may influence loan eligibility.

9. Do I get a closure certificate?

Yes, upon request, Flipkart or its lending partner can provide a closure confirmation.

10. Can I keep Flipkart account active while closing Pay Later?

Yes. Closing Pay Later does not affect your main Flipkart shopping account.