Flipkart Pay Later is a popular credit-based payment option that allows customers to buy products on Flipkart and pay for them later. While it offers convenience, many users may want to close or deactivate this service due to financial discipline, disinterest in credit options, or to avoid unnecessary credit checks and dues. If you're wondering how to close your Flipkart Pay Later account, this detailed guide walks you through everything you need to know — from the step-by-step process to important things to keep in mind before deactivation.

What is Flipkart Pay Later?

Flipkart Pay Later is a digital credit service offered in partnership with NBFCs such as IDFC FIRST Bank, Axis Bank, and others. Once activated, users get a pre-approved credit limit to shop on Flipkart. The amount can be repaid within the due date (usually between the 5th and 10th of every month) without interest, or converted into EMIs.

Key Features:

  • Credit limit up to ₹1,00,000

  • 0% interest for one-time monthly payments

  • Option to convert large purchases into EMIs

  • Instant checkout experience

Prerequisites Before Closing Your Flipkart Pay Later Account

Before initiating the closure request, ensure the following:

  1. Outstanding Dues are Cleared: You must pay all pending bills or EMIs.

  2. No Active Transactions or Orders: There should be no ongoing orders under Flipkart Pay Later.

  3. No Disputes: Make sure there are no open tickets or disputes related to your Pay Later transactions.

  4. Credit Bureau Reporting: Understand that closing the account may impact your credit score slightly, especially if it was your only active credit line.

Procedure to Close Your Flipkart Pay Later Account Permanently 

Step 1: Log into your Flipkart account by entering your email/phone number and your password.  

Step 2: Go to the Flipkart Help Center. Check for a little icon in the upper right corner.  

Step 3: Locate the ‘Chat’ or ‘Callback option’. Find the option “I want help with other issues”. Click on it and go to “others”, that is at the bottom of the catalog. Post this, click on “others” from the drop-down again.  

Step 4: Upon making the callback request, you will get a call from a Flipkart customer representative within 5 to 10 minutes. Request the support team to suspend your Flipkart Pay Later IDFC Bank account permanently. The request must be made for a permanent account closure instead of a temporary suspension.  

Step 5: After having the chat or call, the process for deactivating your Flipkart Pay Later account permanently begins and it will be complete over the next month. Soon, this closure will come down on your CIBIL report as "closed,” usually within the time duration of 2 to 3 months.  

Alternative way to Close your Flipkart Pay Later Account Permanently 

You can send an email requesting for closure to Cs@flipkart.com from your registered email. You must specify your account closing request clearly in the email's subject line.  

How to Check If Your Flipkart Pay Later Account Is Closed?

You can confirm the closure by:

  1. Visiting the Flipkart Pay Later section in the Flipkart app.

  2. It should show as "Deactivated" or "No Credit Line Available."

  3. Check your email/SMS for confirmation from Flipkart or the NBFC.

  4. Wait for 15–30 days and check your credit report via apps like CreditFit, CIBIL, or CRIF to ensure it's marked as “Closed” or “Settled.”

Important Points to Remember

  • Closing a credit facility may affect your credit score, especially if you have a short credit history.

  • If you plan to take home, car, or personal loans in the near future, consider the impact of credit line closure.

  • Always download your transaction history and final bill before closure for future reference.

  • Once closed, you cannot reactivate the same Pay Later account. You’ll need to reapply if needed later.