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Shop Now & Pay Later

Split your bills into 3 interest-free instalments with your debit or credit card. Earn Mint Coins on every Pay Later purchase, and get extra Coins when you settle your instalments early.

How it works

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Sign Up & Start Shopping
Create your account, verify to unlock Pay Later, and shop at 2,500+ stores.
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Split your bill in 3
Split your bill into 3 interest-free equal instalments over 2 months with your debit or credit card.
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Settle early. Earn extra.
Complete your instalments ahead of schedule and get rewarded with Mint Coins.
Here's how you Pay Later
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Rs. 36,000.00
Total amount
Today
Rs. 12,000.00
in 30 Days
Rs. 12,000.00
in 60 Days
Rs. 12,000.00
Why ‘Pay Later’?
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Get more time to pay
Split your payments in 3 instalments over 2 months for fashion, travel, dining, entertainment and so much more with Mintpay.
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Earn more while you're at it
Shop at 2,500+ partner stores and earn Mint Coins on every purchase & earn even more when you settle your instalments early.
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Next Payment Notification
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Never miss a payment
Manage and track due payments with the Mintpay app. Your due payments will be deducted automatically from your linked payment method.
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No interest. No fees.

Pay Later is your smarter alternative to credit cards. Split any purchase into 3 interest-free instalments with your debit card, no extra fees. Earn Mint Coins on every payment and extra when you pay early.

Featured Merchants
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ODEL
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Cinnamon Red
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Birken Stock
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Arienti
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SPA CEYLON
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NOLIMIT
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My Softlogic
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Adidas
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Pay Later. Earn Coins. Use Freely.

Split your bill in 3 interest-free instalments and use your Mint Coins to pay off any pending payments. Want to earn more? Settle your instalments early and get rewarded with extra Mint Coins.

  • Pay off with Mint Coins - Use your Mint Coins to cover upcoming pending instalments.
  • Earn more for Early Payments – Pay before your due date and earn bonus Mint Coins while you’re at it.
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Stay on top of your budget
With the Mintpay app, you can:
Shop online or in-store & earn Mint Coins
Manage your payments
View all your purchases and rewards
Get the app

Frequently Asked Questions

What is Pay Later?
Pay Later lets you split your purchase into 3 interest-free instalments with debit or credit card.
What is a split limit?
The split limit is the maximum credit that Mintpay approves for your 'Pay Later' purchases. This doesn't include your first instalment, which you pay at the point of purchase.
Do I get Cashback on Pay Later purchases?
Yes, you now earn Cashback as Mint Coins when you Pay Later as well. Plus, when you settle your instalments early, you earn even more Mint Coins.
How to increase my split limit?
  • The initial split limit for first-time customers may start small and increase based on your repayment behavior.
  • The longer you transact with Mintpay and make timely repayments, the higher your split limit will be.
  • If you wish to increase your split limit sooner, you can pay off the instalments ahead of time.
  • Increase in the split limit may also be determined by the order amount. Therefore, if you purchase an item with a higher value than your Mintpay approved limit, your subsequent split limit will increase in proportion to this order amount once you have completed all 3 instalments.
How are the due payments charged?
Payments are automatically charged to your linked card on the set due dates.
Do I have to pay Interest for using Pay Later?
No, we do not charge any interest or extra fees for using our platform.
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