Step-by-Step Guide to Closing Flipkart Pay Later Account

Flipkart Pay Later is a handy “Buy Now, Pay Later” (BNPL) line — but plenty of people decide to shut it down, whether to curb overspending, avoid late fees, or tidy up their credit profile. This guide shows you exactly how to close your Flipkart Pay Later account permanently in 2026 — through the app and through customer care — plus what to clear first, who your lender actually is, and what happens to your credit score afterwards.

Quick answer

1. Clear every pending due and EMI — you can’t close with a live balance.
2. Open the Flipkart app → Pay Later → Manage Pay Later → Close Account, and confirm with the OTP.
3. No close option? Call 1800 202 9898 or email support@flipkart.com and ask for permanent closure.

The rest of this guide covers the checks to run first, the customer-care route in detail, how to fix a missing “Close” button, and what closure does to your CIBIL score.

Who runs Flipkart Pay Later in 2026 (and why it matters)

Flipkart Pay Later isn’t a single product — the credit line behind it is issued by a lending partner, and that has changed a lot recently. Knowing who holds your line matters, because closure and credit-bureau reporting run through that lender.

• Axis Bank and Credit Saison have been Flipkart’s core Pay Later partners.
• Fibe now also powers a BNPL option at Flipkart checkout.
• super.money — Flipkart’s own fintech arm — secured an NBFC licence and is where Flipkart routes newer lending, including its SuperPay/Pay Later features.
• IDFC First Bank was an earlier partner but exited the tie-up at the end of 2024, so older IDFC-linked accounts were migrated or wound down.

Open Flipkart App → Pay Later → Statements to see which lender is named on your account. That’s the entity that will mark the account “closed” with the credit bureaus.

Before you close: run these checks first

• Clear all pending dues and EMIs. You cannot close the account while any balance is outstanding. Check Flipkart App → Pay Later → Statements and pay everything off in full.
• Close open orders, returns and disputes. An active order or an unresolved return/refund can block closure — let these settle first.
• Understand it’s permanent. Once closed, you generally cannot reopen the same Pay Later account; you’d have to re-apply from scratch, subject to fresh eligibility.
• Save your statements. Download your Pay Later statements before closing, in case you need proof of a cleared balance later.

Method 1: Close via the Flipkart app

1. Open the Flipkart app and go to the Flipkart Pay Later section (under your account menu).
2. Tap Manage Pay Later, then look for Close Account or Deactivate.
3. Confirm your identity with the OTP sent to your registered mobile number.
4. You’ll get an on-screen plus email/SMS confirmation once the account is closed.

The exact menu path shifts as the app updates. If you can’t find the close option, it’s almost always pending dues or an open order — clear them, or use Method 2.

Method 2: Close via Flipkart customer support

• Call Flipkart customer care on 1800 202 9898 from your registered mobile number and request permanent closure of Pay Later (not a temporary pause).
• Request a callback from the app: Account → Help Centre → Pay Later, work through to the “other issues” options, and ask for a callback — an agent usually calls within 5–10 minutes.
• Or email support@flipkart.com from your registered email with a clear subject like “Request to close Flipkart Pay Later – [your registered mobile]”.
• Closure is typically processed within 24–48 hours; watch your email and SMS for confirmation.

“Close Account” option not showing? Here’s the fix

If the close button simply isn’t there, work through these in order — one of them is nearly always the cause:

• Outstanding dues or a live EMI — pay the full balance, then re-check.
• An open order, return or refund in progress — wait for it to complete.
• A recent app version change or lender migration — update the app, or go straight to customer care (Method 2), which can close it manually.

What happens after you close

• Timeline: the account is deactivated within a day or two, and the change is usually reported to bureaus over the following billing cycle.
• On your CIBIL report: the line typically shows as “closed” within about 2–3 months.
• Credit score: removing an active credit line can nudge your utilisation and history slightly — often a small, temporary dip. On-time payment history matters far more than closing one BNPL account.
• No auto-reactivation: a closed account stays closed; you’d re-apply if you ever want Pay Later again.

Deactivate, close, or just stop using it?

These aren’t the same thing. Closing ends the credit line permanently and reports it to the bureaus. Flipkart doesn’t offer a true temporary deactivation or pause. If your only goal is to stop the temptation, you don’t have to close at all — just keep the account dues-free and pick UPI or a debit card at checkout instead of Pay Later. Closing is the right move if you specifically want the credit line gone from your profile.

Closing it to control spending? Do this next

If you’re shutting down Pay Later to stop overspending, closing the account is only step one. Switch to UPI or a debit card for everyday spends, and put a simple system in place: our guide on how to create a budget that works and the 30-day no-spend challenge are the perfect next steps to rebuild control over your money.

Written byPrashant ThakurFounder, SavesToGrow · writes from real experience (not a financial advisor)

Prashant Thakur is the founder of SavesToGrow.com. He is not a financial advisor — he's a self-taught personal-finance enthusiast who learned to budget, save consistently, and invest from scratch, and now shares those hard-won lessons in plain, jargon-free English. Every guide is researched from primary sources such as the Income Tax Department, SEBI, RBI and AMFI, and reflects real, first-hand experience. Nothing on this site is professional financial advice — always do your own research or consult a SEBI-registered advisor before making money decisions.

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