User specific..
See on ur offers tab in net banking .
Best offer for no cost money utilise for 15 days debit card users for shopping/online & offline 
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https://www.desidime.com/discussions/hdfc-introduce-flexi-pay-for-debit-card-users-user-specific?page=1#post_7018323
Unlike icici paylater, just four online stores are accept it