BharatPe Flex: 45 Days Free Credit on Your UPI?

BharatPe and YES Bank launched BharatPe Flex — a credit line linked to your UPI. You can pay now without funds in your account and repay within 45 days for free, or spread it over 3–12 month EMIs.

Here's what happened: BharatPe and YES Bank launched BharatPe Flex, a credit-on-UPI product letting eligible users pay via UPI even with zero wallet or bank balance.. Users get up to 45 days of interest-free credit — after which they can repay the full amount or convert to EMIs ranging from 3 to 12 months.. This joins a growing list of RBI-approved credit-on-UPI products, where a pre-approved credit line is linked directly to a user's UPI handle for seamless spending..

What you should do: Check eligibility carefully — credit-on-UPI products like Flex are typically offered to users with a good credit score (700+), so pull your CIBIL report before applying.. Always repay within the 45-day interest-free window; missing it and rolling into EMIs will attract interest rates that can range from 18% to 36% annually — read the fine print.. Compare BharatPe Flex against similar products like LazyPay, Slice, or your bank's UPI credit line before signing up — fees, credit limits, and EMI rates vary significantly..

Credit-on-UPI spends may be reported to credit bureaus just like credit card usage. High utilisation of your credit line can quietly lower your CIBIL score even if you repay on time.