How to use Amazon Pay Later

For the uninitiated, Amazon Pay is a service that’s been around since September 2018. The “Later” suffix means just as it sounds.

  • It offers instant credit on any of the products (priced up to Rs. 60,000) listed on Amazon
  • You can even buy groceries and pay utility bills like electricity/water/mobile recharge on credit.
  • Exceptions include cash equivalent products (jewelry, Amazon Pay Gift Card, Amazon Pay balance top-up), Gold/silver bullion, products from Amazon Global Store, or foreign merchants.
  • You will have an option to repay the credit in the subsequent month at no additional fees or divide large payments into monthly installments (EMI) for up to 12 months.
  • “no additional fees” however doesn’t subsume interest. You may still have to pay an interest rate of 1.5 to 2 percent a month. That said, you can benefit no-cost EMI option, wherever applicable.
TenureMin amountMax amount
1 month010kBuy Now, Pay Next Month
3 month3k30kBuy Now, Pay in EMIs
6 month6k60kBuy Now, Pay in EMIs
9 month9kBuy Now, Pay in EMIs
12 month9kBuy Now, Pay in EMIs

“Today, it is allowed on shopping as well as on bill payments,” he said. “But even if you want to order from Swiggy or from BookMyShow or from ClearTrip, you’ll be able to use this line online and offline merchants wherever Amazon Pay is accepted,” shared Mayank Jain, Leader Consumer Credit Products, Amazon Pay India with Gadget 360.

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As for eligibility, Amazon initially analyzes your activity with Amazon Pay, sellers, and marketplace. Further, the final decision lies with the lender (Capital Float & Karur Vysya Bank), who decides by gauging your ability to pay and considering some other factors.

How to avail Amazon Pay Later in India

  • Visit the dedicated registration page on the Amazon app or your mobile web browser.
  • Furnish the KYC (know your customer) process, which will activate the Pay Later feature on your account.
  • Once the KYC process is done, the Amazon Pay Dashboard will show your registration status. This will be the place where you’ll see all your future transaction details.
  • Know more about the KYC process and other FAQs here.

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Have you tried accessing the Amazon Pay Later feature? Let us know down in the comments.


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