No hidden costs in transaction. The loan obtaining process through BNPL is more transparent, but a credit card company may charge hidden transactions costs.

Access to credit is easier. The only requirement is a KYC process when opting for BNPL. But for credit card you need to apply through a bank portal and prove your credit worthiness

Lower interest rates. BNPL schemes have lesser interest rates, that is 20 percent. However, a credit cards interest rate can be as high as 40 to 48 percent.

Credit score is not required. You need to be 18 years and above and have a functioning bank account with valid KYC in place, and a source of income.

Payments are in installments. For credit cards, you need to pay the total amount at the end of every month. BNPL payments are reduced to smaller portions.

Short interval payments. You can make the payments each week manually or through the auto repayment option. But when it comes to a credit card, payments can only be made monthly.