Scribd
Upload
35 views20 pages

India's First Mobile Credit Card With UPI

This document introduces vCard, India's first mobile credit card that allows users to make payments to any UPI account. It highlights key features like acting as a full credit card, offering personal loans on demand, and low interest rates. The FAQs section answers common questions around charges, eligibility, benefits through corporate programs, and an affiliate program for partners. The document promotes vCard as a flexible credit product that provides instant access to funds for any need without waiting for salaries.

Uploaded by

Shashank Gupta
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
35 views20 pages

India's First Mobile Credit Card With UPI

This document introduces vCard, India's first mobile credit card that allows users to make payments to any UPI account. It highlights key features like acting as a full credit card, offering personal loans on demand, and low interest rates. The FAQs section answers common questions around charges, eligibility, benefits through corporate programs, and an affiliate program for partners. The document promotes vCard as a flexible credit product that provides instant access to funds for any need without waiting for salaries.

Uploaded by

Shashank Gupta
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
You are on page 1/ 20

India’s First

Mobile Credit Card


with UPI
Pay to any of 15 cr+ UPI accounts
“Dad needed ₹5o,000 –
Sent it in 30 sec on UPI
from my
vCard Credit Card.

Won’t need to wait for


salary for my spends”
-S.M.
Sr. Software Engineer,
Infosys
Frequently Asked
Questions (FAQs)

 Full Fledged Credit Card


 Pay-All UPI app
 Lowest cost Credit Line
 Personal Loan on Demand
 Personalized Deal Finder
 24X7 Chat Support Card
vCard = On Demand Overdraft

• Use for Merchant/ Landlord/ School Fees/


Personal Fund Needs – No Questions Asked

• Don’t fetter on Delayed Salary/ Urgent Cash


flow Needs/ End of Month Shortage. Just Pay
Monthly Bills on Time.
Is it same as a Wallet/ UPI App?

• No vCard is not a Wallet. A Wallet


requires you to Add money from bank/
card

• A UPI App deducts money directly from


your Bank A/c like a ATM/Debit Card.
Is it same as a Personal Loan?

• No. It is a full fledged credit card/ credit


line. There is no compulsory monthly
EMI needed.

• However, you can also use it for On-


Demand Personal Loan by converting
Monthly Balance into lowest cost EMI
How do I use vCard?

• Use Credit Limit for any UPI Payment


through QR/ UPI ID on any App

• Get a Single Bill on 30th day, Pay Full/


partial amount. Convert Entire Limit/
Monthly Bill to EMI, if needed

• Personalized Offers/ Vouchers/ Cashback


What are the Charges?

vCard Credit Card vCard Credit Line

Annual Fee Nil for Y1


₹500 for Y2 for Spend <1 L
Interest Charges Nil ₹1.15 per ₹ 1000/ day
Up to 30 days
Interest Charges ₹1.15 per ₹ 1000/ day ₹1.15 per ₹ 1000/ day
after 30 days
Convenience Fees 1% ₹ 20 -100
on UPI
Max Late Fee ₹1000 ₹525

EMI Rate 13-17% 15-24%


Credit Card vs Credit Line
Instant Approval vCar
C a rd d Cred
Credit it Li
v C a rd Aadhaar based KYC n e
• Lim
it up
s ter Card Nil Joining Fee UPI t o ₹6
• Fre e M a 0k o
n
₹5L on Pay to Any UPI ID • Ins
tant
im it u p to I
• L 20 k o n UP Set u
a s te r C a r d, ₹
Vouchers & Spend Waivers p
M • ₹1
.15 p
up e
d a y fo r c a rd s et
Convert to EMI
d a y thr r ₹ 100
• 2 -5 o ugh 0/
o u t
time • ₹2 0
-100
Fee Conv
% I n t e r e st up to 30 / enien
• 0 p e r ₹ 10 00 ce
y s ; ₹ 1 .1 5
da
hat
day after t
e
enience Fe
• 1% Conv
Can I move Entire Limit to any
Bank Account?

• Yes. Transfer through UPI.

• Alternately, Conversion the limit/


monthly bill to EMI @ 13-24%
Who accepts UPI for Credit Card?

• 15 cr. UPI users growing


rapidly month-on-month

• Anyone with any UPI ID can


receive payment from vCard
What is the Eligibility Criteria?

• Typically Salaried – Not Self Employed, 25k p.m.,


Some Credit History.

• But then existing Credit Cards/ High Cibil etc. may


not necessarily qualify
*The Credit Decision is purely based on banks internal policies
and shouldn’t be construed as a sign of credit worthiness
What are the benefits through
Trusted Corporate Program(TCP)?
Select Companies, Clubs, Professional
Groups are empanelled exclusively
under the TCP for Instant Approvals
and Privileged Benefits

• Zero Annual Fee, Higher Limits,


Lowest Interest, Personalized Offers

• Waived Off All Paperwork,


Employment/ Address Verification
What are the benefits of the
Affiliate Program?
Channel Partners can enrol on vCard website
for Affiliate Marketing initiatives.

# of Instant PreApprovals Payout per PreApproval


1 – 5 per month ₹250
6 – 50 ₹350
> 50 ₹450
welcome to
The vCard Club
Check
Eligibility
in 30 secs

[email protected]
+91 4046999988

vCard , Viri nch i Lt d , R oad #1,


Banjara Hills, Hyderabad -34

You might also like