Buy Now, Pay Later with Udhar Card
Purchase groceries, daily essentials, and products today. Pay later with up to 28 Days Interest-Free Credit.
Credit Limit
₹5,000 – ₹5,00,000
Instant approval • Zero hidden charges
Get Started in 4 Easy Steps
From download to your first purchase — it takes less than 5 minutes.
Download App
Install Udhar Card from Play Store or App Store in seconds.
Quick KYC
Complete paperless KYC with PAN & Aadhaar. Instant approval.
Shop & Swipe
Get up to ₹5,00,000 credit. Shop online or at partner stores.
Pay in 28 Days
Repay within 28 days — zero interest, zero hidden charges.
Download Udhar Card App
Two powerful apps. One ecosystem. Built for buyers and sellers.
User App
Free DownloadApply, shop, pay later — everything in your pocket.
Seller App
Subscription BasedRun your store with POS, customers, and sales insights.
Everything you need, beautifully designed.
Choose the Best Plan for Your Business
Power your store with the complete Udhar Card seller toolkit. Choose the perfect subscription plan built to scale your POS billing, CRM, and sales.
1 Month Trial Demo
1 Month Plan
3 Month Plan
6 Month Plan
12 Month Plan (Standard)
12 Month + Machine Plan
2 Years Plan (24 Months)
5 Years Plan (60 Months)
Shop Today, Pay Later
Swipe at any partner store or pay online. Get up to ₹5,00,000 instant credit with 28 days interest-free.
28 Days
Interest-Free Credit
Shop across categories
Credit Range
₹5,000 – ₹5,00,000
Refer friends. Earn rewards.
Get rewarded for spreading the word. Every successful referral earns you cash-equivalent coins and a free item.
1000
Coins per referral
1 Free
Item bonus
Share your link
Send your unique referral to friends
Friend signs up
They apply for Udhar Card
You both earn
1000 coins + 1 free item
Built for modern Indian commerce
Instant Virtual Card
Get a card the moment you're approved.
Secure Transactions
Bank-grade encryption on every payment.
Fast Approval
Decision in under 60 seconds.
Digital Wallet
Manage credits, coins, and rewards in one place.
POS Integration
Accept at thousands of partner stores.
Real-Time Tracking
Track spending and dues instantly.
Real stories from real users
"Got approved in 40 seconds. I use it for monthly groceries — paying after 28 days is a game changer."
Priya Sharma
Customer, Delhi
"The seller app made my POS billing 10x easier. Customer credit has boosted my repeat sales."
Rajesh Kumar
Seller, Jaipur
"The virtual card works everywhere. Referral rewards added up fast — earned ₹3000 last month."
Anita Verma
Customer, Pune
"11 platinum cards for my team for ₹1100 — absolutely worth it. Sales dashboard is gorgeous."
Mohammed Ali
Seller, Hyderabad