vCard
Click to visit website
About
vCard is a mobile-first credit card and credit line application. It offers instant digital credit cards with simple QR/Online payment options, automated bill payments, personalized expense analysis, and the ability to convert credit limits to cash or EMI. It uses AI-based customer services, spend-based offers, and scratch cards. The application process is instant, and it provides access to funds 24/7.
Platform
Task
Features
• instant virtual credit card
• mobile credit line
• mobile credit card
• convert credit limit to cash/emi
• personalized expense analysis
• automated bill payment
• trusted corporate program
• pincap credit line
FAQs
What is vCard?
vCard Mobile Credit Card is a UPI-enabled, app-based personal credit line, offered in partnership with banks and NBFCs. The app helps you to lend money from reliable institutions up to Rs. 5Lacs, depending on your credit score and other criteria.
What banks are you partnered with?
We have partnered with several banks and Non Banking Financial Companies (NBFCs) to offer you the best services. We study your profile, choose the best bank or financial company that has the utmost probability of approving your credit application.
How can I convert my credit to in-hand cash? How?
Yes. It is simple! You can transfer your credit balance form the app to your bank account, withdraw from ATM and get in-hand cash. You can also transfer funds through NEFT/IMPS.
How much interest will I have to pay?
You have to pay interest only on the amount you use. During withdrawal, you can select the terms of repayment (Minimum: 2 months and Maximum: 3 years). Number of installments and the installment for EMI depends on the EMI tenure you opt.
How can I use vCard for shopping?
In addition to the App, your issuer (bank) will deliver a vCard credit card to your registered address. This acts as a physical credit card for your shopping. Your vCard credit card is linked to the app, you can track all your transactions.
Can I convert my spending to EMIs?
With a simple tap, you can covert you spending more than Rs.3000 to EMIs. This will save you from paying a significant amount of interest.
Is there a rewards program associated with the app and the card?
Yes, you will gain reward points for your online spending through the app and offline spending through the card. The information regarding rewards programme varies according to the banking partner and will be shared with you along with the vCard card.
What if I don't need the funds right now?
Remember, the app charges interest only the amount you use. So, get your limit approved and use it instantly when you need. Once your request is approved, you gain access to funds 24x7 at the tap of a button.
How do I apply for vCard? Is it simple?
Download - Install vCard from the Play Store or the App Store and fill a little bit information about yourself. Within no time, we will get back to you with your eligibility and credit limit.
Do I have to share my employment details?
You need to share following details: 1. Employment type – Salaried, Self-employed, Student, Homemaker 2. Name of employer 3. Your monthly income after tax and deductions 4. Your monthly expenses including any other EMI you might be paying currently
Can my Credit Card and Credit Limit be upgraded?
Banks unilaterally cannot upgrade your credit card. Your prior consent is required to upgrade your credit card.
How much time will it take to complete the application?
On an average, your application process takes 5 minutes to complete. The time might vary according to your typing speed.
Will I get an approval even if I apply on a holiday or beyond banking hours?
Yes. You get approvals irrespective of banking hours and holidays. However, the KYC authentication process might be impacted on holidays but not on banking hours.
Once I am approved in the mobile app, can my application be rejected later?
Our robust technology, along with the partnership of leading banks and financial firms, does a series of instantaneous checks on your application prior to the approval. If at any phase, the details provided by you or the verification(s) originated by us are incomplete
How Can I Change or Cancel my request?
You can always opt to change or cancel your request before you receive final approval from vCard.
Pricing Plans
Annual Fee
INR499.00 / per yearJob Opportunities
There are currently no job postings for this AI tool.
Ratings & Reviews
No ratings available yet. Be the first to rate this tool!
Featured Tools
Songmeaning
Songmeaning uses AI to reveal the stories and meanings behind song lyrics. It offers lyric translation and AI music generation.
View Details
Whisper Notes
Offline AI speech-to-text transcription app using Whisper AI. Supports 80+ languages, audio file import, and offers lifetime access with a one-time purchase. Available for iOS and macOS.
View Details
GitGab
Connects Github repos and local files to AI models (ChatGPT, Claude, Gemini) for coding tasks like implementing features, finding bugs, writing docs, and optimization.
View Details
nuptials.ai
nuptials.ai is an AI wedding planning partner, offering timeline planning, budget optimization, vendor matching, and a 24/7 planning assistant to help plan your perfect day.
View Details
Make-A-Craft
Make-A-Craft helps you discover craft ideas tailored to your child's age and interests, using materials you already have at home.
View DetailsPixelfox AI
Free online AI photo editor with comprehensive tools for image, face/body, and text. Features include background/object removal, upscaling, face swap, and AI image generation. No sign-up needed, unlimited use for free, fast results.
View Details
Smart Cookie Trivia
Smart Cookie Trivia is a platform offering a wide variety of trivia questions across numerous categories to help users play trivia, explore different topics, and expand their knowledge.
View Details
Code2Docs
AI-powered code documentation generator. Integrates with GitHub. Automates creation of usage guides, API docs, and testing instructions.
View Details