0% EMI Shopping App

Name: 0% EMI Shopping App
Author: Snapmint

11.1.182

Play Protect

Snapmint

50M+ installs

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EMI on UPI online shopping app for phones, electronics, protein powder & more.

0% EMI Shopping App: EMI on UPI Without a Card

By Mei-Lin Chua

Contributing editor, apps and storefronts

EMI on UPI, with no credit card needed
Instant approval for EMI purchases, per the developer
Phones, laptops, electronics and home appliances on EMI
Protein powder and other goods listed beside electronics
Built for students, homemakers and salaried buyers
Payments the listing describes as transparent

What the 0% EMI Shopping App is for

The 0% EMI Shopping App is a shopping app that lets you pay for purchases in monthly instalments through UPI, aimed at people who do not hold a credit card. The listing says it has over 5 crore users across India.

Products sold through it include phones, electronics, and home and kitchen appliances. The listing also mentions protein powder among the goods on offer.

Paying in EMI through UPI without a card

Instead of a credit card, the app runs EMI on UPI. The developer says approval is instant and that payment terms are transparent, so you can start shopping in minutes.

The listing presents this as a way to fund a purchase you cannot pay for upfront. It does not require the full amount at checkout.

Gadgets, laptops and appliances on EMI

The main use the listing describes is buying higher-priced items in instalments. Phones, laptops and other electronics are the examples given, along with home and kitchen appliances.

Students can buy laptops this way, and salaried users can upgrade their gadgets without paying the whole price at once.

Who uses EMI on UPI for shopping

The listing names four groups: salaried users upgrading gadgets, students who need a laptop, homemakers who prefer UPI to credit cards, and anyone who cannot pay the full amount up front.

For each of these groups, the app's appeal on the listing rests on the same two points: no credit card and EMI through UPI.

What's new

Oct 16, 2026

Bug fixes and Performance improvements

About this APK

The build we hold is 0% EMI Shopping App 11.1.179 (APKS split bundle) for Android 7.0 and up.

Version: 11.1.179; 350
Requires Android: 7.0+
Target Android: 15

Package ID: com.snapmint.customerapp
Format: APKS split bundle
Malware scan: Google Play Protect
Permissions: 43 declared · 12 sensitive; Approximate location
Camera
Microphone
Modify files on your device
Precise location
Read files on your device
Read phone status and identity
Read your contacts
Signed by: CN=Anil Gelra, O=Snapmint
Certificate SHA-256: 45e1827f8b507def094f43dcd7eb0af9c2dc5dc950ff59ff634694a45ea0a66b