How To Apply For SHEIN Credit Card : An Ultimate Guide

apply for shein credit card

SHEIN, the online fashion giant, offers you with a variety of payment options. These makes your online shopping on their website or mobile app, faster and convenient, as payment is made through your own preferred option.

In order to facilitate payment on a widely acceptable scale, shein has partner with credit card issuers such as; those of  Visa, Mastercard, Maestro, American Express, Discover, JCB, Diners Club, and UnionPay.

It is important to clarify that SHEIN does not currently offer a credit card program. There might be outdated information or rumors circulating about a SHEIN credit card, but it's crucial to rely on official sources from SHEIN's website or app to avoid confusion and potential scams.

SHEIN currently offer promo codes, coupons, points that enable you to have a discount or free shipping to your location.

This will guide you on how to apply for SHEIN partnership credit card, If shein take Klarna pay and also if you can pay Shein using Cash.

How To Apply For SHEIN Credit Card

To apply for a SHEIN credit card, you typically need to follow the application process provided by the credit card issuer associated with SHEIN. Here are some general steps you can take to apply for a credit card:

Steps to Apply for a SHEIN Credit Card:

1. Visit the SHEIN Website:

Start by visiting the SHEIN website or SHEIN's official credit card partner's website to explore the available credit card options.

2. Review Credit Card Details:

Review the features, rewards, benefits, and terms of the SHEIN credit card(s) offered. Understand the interest rates, fees, and any promotional offers associated with the card.

3. Check Eligibility Requirements:

Review the eligibility criteria for the SHEIN credit card, including factors such as credit score, income requirements, and residency status. Ensure you meet the qualifications before applying.

4. Complete the Online Application:

Locate the online application portal for the SHEIN credit card and fill out the application form with accurate and up-to-date personal information, financial details, and contact information as required.

5. Submit Documents if Needed:

Some credit card applications may require additional documents for verification purposes. Be prepared to submit any necessary documents requested during the application process.

6. Wait for Approval:

After submitting your application, wait for the credit card issuer to review and process your application. Approval decisions are typically communicated via email or mail within a specified timeframe.

7. Activate Your Card:

Once approved, follow the instructions provided by the credit card issuer to activate your new SHEIN credit card before using it for purchases.

Why go through this stress when there are other ways to pay for your SHEIN purchases that might be similar to using a shein credit card?

Here are some alternatives:

1. Buy Now, Pay Later options:

  • Klarna: Available in the US and UK, Klarna allows you to split your purchase into 3 or 4 interest-free installments. There are no fees if you pay on time, but late payments will incur charges.
  • Clearpay: Available in the UK, Clearpay lets you split your purchase into 4 equal payments every two weeks. Similar to Klarna, there are no fees if you pay on time.
  • TAMARA: Available in Saudi Arabia, TAMARA allows you to split your purchase into 3 equal monthly installments, again with no interest or fees if you pay on time.

2. Use a credit card through a payment processor:

You can use any credit card you have at checkout on SHEIN. They accept Visa, Mastercard, Maestro, American Express, Discover, JCB, Diners Club, and UnionPay. However, SHEIN itself doesn't issue credit cards.

3. Consider alternative payment methods:

  • PayPal: A widely used online payment platform that allows you to pay without sharing your credit card information directly with SHEIN.
  • Google Pay: If you have a Google account, you can use Google Pay for a quick and secure checkout.
  • Apple Pay: For iPhone users, Apple Pay offers a convenient way to pay with your linked credit card.

Always be aware of the fees and interest rates associated with each option. Even if an option is advertised as "interest-free," there may be hidden charges or late fees.

Read the terms and conditions carefully before using any new payment method. This will help you understand your rights and responsibilities.

Does SHEIN Take Klarna?

Yes, SHEIN does accept Klarna as a payment method, but only in certain regions:

  • Klarna Pay Later: Available in Finland, Austria, Germany, Netherlands, and Sweden. This option allows you to pay after 30 days from your order date with no fees or interest if paid on time.
  • Klarna Pay in 3: Available in the UK and US. This option splits your purchase into 3 interest-free installments, due every 30 days.

If you're outside these regions, you won't see Klarna as a payment option on SHEIN. However, they offer other Buy Now, Pay Later options depending on your location.

How To Pay SHEIN Using Cash

SHEIN itself doesn't offer a direct "pay with cash" option for all orders. However, depending on your location, you might have access to a Cash on Delivery (COD) option:

Cash on Delivery (COD):

  • This method allows you to pay for your order in cash when it's delivered to you.
  • Not all countries have COD available. Check the SHEIN website or app for your specific region to see if it's offered.
  • There might be a COD fee, so be sure to check the details before selecting this option.

Below is how to check for COD and use it if available:

  1. Log into the SHEIN website or mobile app.
  2. Add items to your cart and proceed to checkout.
  3. During checkout, under the "Payment Method" section, look for "Cash on Delivery" or "COD".
  4. If available, select COD and complete the checkout process.
  5. When your order arrives, have the exact amount in cash ready for the delivery person.

Key Points:

Keep your phone reachable for any delivery updates or confirmations.

Prepare the exact amount to avoid delays or inconvenience for the delivery person.

Be aware of any COD fees associated with this option.


There is no shein credit card. SHEIN only partner with other credit card issuers such as Visa, Mastercard and others as we mention above to receive payments.

Consider, using payment options like Klarna (Buy Now, Pay Later), Google pay or initiating Cost On Delivery (COD).