vCard – Mobile Credit Card
Finance
Free
vCard is a Mobile Credit App (Credit Card and Credit Line).
vCard is a Mobile Credit Platform. vCard partners with Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) for credit line products known as PINCAP https://www.pincap.in/our-partner .
Activate Cash in Your Mobile Now
vCard is your One-Stop Finance App for On-Demand credit. Use it as Credit Card, use it as cash, and use it as a Personal Loan. Instant Approval,
Digital Documentation, Zero Joining Fees. Contrast to 15 day+ processes for Plastic Credit Card.
Get vCard Credit Line issued by Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) known as PINCAP.
● Paperless KYC application.
● Zero processing charges and Zero Annual Fee.
● 3 - 3.5% per month roll over interest.(36% to 42% APR)
● 0 – 30 day Interest-free period depending on Credit Score and Monthly Spend.
● Up to Rs. 60,000/- credit limit.
● Pay at your convenience there are no prepayment charges.
● Option to convert the loan into monthly installments (EMI) of 3, 6, 9 months depending on the principal amount @24% and 2% conversion charges.
● Finance Charges reduce based on credit score and spend history.
● Personalized offers on Food, Shopping, Entertainment, Online Spend etc.
Minimum and maximum period for repayment
Tenures for EMI
Minimum: 3 months Maximum: 9 months
Sample calculation in case the loan is converted to an EMI:
For Loan of ₹5,000 of 3 month tenure with interest rate @24% per annum
One time Processing fee @2% of Principal = ₹100
Monthly payment/EMI = ₹1733.77
Amount paid back in 3 EMIs= ₹5201.31
Total interest on the 3 EMI= ₹201.31
Total interest + processing fee = ₹301.31
GST (applicable @18% on fees) : Rs 18.00
Total amount to be paid by customer i.e. principal + interest + fee + GST= ₹5319.31
AI in Credit
vCard also has a First-of-its-Kind Chat-based Credit Card Support on WhatsApp or reach out to us at hi@vcard.ai
Now you don’t have to spend long hours waiting to connect to customer support or listen to the monotonous flute music. Just reach out to Bot + Human support through the vCard app.
Miner issue fixed
The developer, Virinchi Technologies Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Virinchi Technologies Limited
- Size
- 152.9 MB
- Category
- Finance
- Compatibility
Requires iOS 13.0 or later.
- iPhone
Requires iOS 13.0 or later. - iPad
Requires iPadOS 13.0 or later. - iPod touch
Requires iOS 13.0 or later.
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © Tensor Field Consulting (A 100% subsidiary of Virinchi Technologies Limited)