asked questions
What is Bolt?
ZestMoney Bolt gives you a 30 day credit line. Use Bolt to transact at your favourite stores and pay an aggregated bill every 30 days.
Do I have to sign up separately for Bolt?
Nope. Once you sign up for ZestMoney (app.zestmoney.in), you can automatically use Bolt. Should you face any difficulties in signing up for ZestMoney, you can write to us at support@zestmoney.in.
I cannot seem to register for Bolt. What is happening?
Go to app.zestmoney.in and sign up. In case you still face an issue, write to support@zestmoney.in.
I have an existing ZestMoney credit limit. How will Bolt impact that?
Your Bolt credit limit will not impact your existing credit limit.
My credit limit got rejected. What should I do?
If credit limit is rejected, it means your profile does not currently fit our criteria for Bolt. Please try again after 90 days.
How do I pay my Bolt bill?
You can log in to your ZestMoney account via our app/website & pay through UPI, Netbanking & so on. Alternatively, you can set up automatic payments as well.
When is the Bolt bill generated?
The bill is generated on the 1st of every month and is due on the 5th. This will include all transactions made in the previous month.
What happens if I delay my Bolt repayment?
Your account will be blocked in case of overdue payments. In addition, late fees may apply. Parallelly, your CIBIL score will get affected.
Are there any fees or interest charges associated with Bolt?
Bolt has no fees or interest charges on timely repayments.
Are there any pre-closure charges if I pay my Bolt bill early?
Not at all! You can pay your entire or some amount of your outstanding Bolt bill at any time without any pre-closure/early charges.
I missed my Bolt payment due date. What will happen now?
Your account will be temporarily blocked until all outstanding payments have been made. Additionally, late fees may apply. Pay your bill at the earliest to resume transacting on Bolt.
I have ongoing repayments with ZestMoney. Can I club my Bolt dues with them and make one single payment?
Yes, you can! Check the Purchases tab on the ZestMoney app, and you’ll find an option to settle all your dues in one payment.
I purchased something through Bolt that I have since returned. How do I get the refund?
Any refunds from merchant partners will be adjusted against your outstanding bill amount. Amounts in excess/absence of that will be credited back to your bank account.
My account has been debited but the payment has failed. What should I do?
Any amount debited will automatically be refunded within 24 hours.
Is there a minimum transaction amount to avail of the Bolt option?
Yes, the minimum transaction amount must be INR 100.
Can I use Bolt while using other ZestMoney products?
Oh, yes! Using Bolt doesn’t prevent you from using any other ZestMoney products.
How can I increase my Bolt credit limit?
The best way to increase your Bolt credit limit is to keep transacting and continue making timely repayments.
Will Bolt usage reflect on my credit score?
While timely Bolt bill payments will positively impact your credit score, delayed payments could negatively impact your credit score.
Where can I use Bolt?
Bolt is enabled with several of our merchant partners. A full list can be found here.
There was a problem in processing my payment & my transaction failed. Will I be charged?
In the case of a transaction failing, no amount will be charged.
