vCard – Mobile Credit Card 4+

Virinchi Technologies Limited

    • Free



vCard is a Mobile Credit App (Credit Card and Credit Line) which allows UPI Payment to any UPI ID.

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. Get Instant Approval with Zero Paperwork.

Get vCard Mobile Credit Card

• Zero Annual Fee
• Physical Plastic Card for Non UPI Spend with Reward Points
• 0% Interest on all funds up to 50 days. 3.5% per month roll over interest after that
• Unlimited UPI Transfer up to 10% of total limit per day
• Transfer Entire Credit Limit to your Bank Account on EMI @ 13- 20%
• RBL Bank Credit Card for Non-UPI spend for both Online and Offline Payments
• 2000 Joining Reward Points, Additional 1000 points on crossing Rs. 10,000 spend in 60 days
• 1 reward point per Rs.100 spend on key categories.
• Zero Annual Fee for Year 1, waived off subsequently on spend of > Rs. 1L
• Personalized offers on Food, Shopping, Entertainment, Online Spend etc.

Get vCard Credit Line

• Zero Annual Fee
• Interest of ~0.1% per day on UPI spend with zero roll over interest
• 0 – 30 day Interest free period depending on Credit Score and Monthly Spend
• Unlimited UPI Transfer, minimum Rs.1000 per transaction
• No Plastic Card, reward points
• Zero Annual Fees
• 0.07% – 0.12% per day finance charges (E.g. Rs.100-150 finance charges on an average monthly spend of Rs.10,000)
• Finance Charges reduce based on credit score and spend history
• Personalized offers on Food, Shopping, Entertainment, Online Spend etc.

Experience AI in Credit

vCard also has a First-of-its-Kind Chat-based Credit Card Support.
Now you don’t have to spend long hours waiting to connect to the customer support or listen to the monotonous flute music. Just reach out to Bot + Human support through the vCard app.


What’s New

Version 2.4.0

Minor UI Updates

Ratings and Reviews

3.1 out of 5
406 Ratings

406 Ratings

tashokumar ,

A friend in need

It’s quite a good app to help you in emergencies. No hidden charges. Highly recommended.

But looks like the app is not working anymore since May 13. Whenever I try to withdraw money, it’s says there’s a technical issue and we will notify you post resolution. It’s been almost a month but there’s no resolution on the issue. Looks like I need to uninstall the app.

Laxman Ranga ,

Top recommend app for credit card members

The best app I never seen from any others. Really impressed and liked this app. I'm Using this app from almost a year now and liked so much and I saved lot of money.
The idea which brings by Vcard is pay the money to others from credit card without any transaction charges that too using UPI .. very nice and impressed again.
I personally recommending this app to all the credit card members.
Many people don't know about this app, so requesting Vcard team to bring the Ad's up to the speed. And bring more offers and ideas. All the very best development team and the management.

ki22u ,

Best app I came across, everyone should give a try.

This is the best app I have ever seen, initially i was impressed by the idea that vcard came out, as a heavy credit card user I hold around 6 credit cards but paying someone in cash is impossible in earlier days but with Vcard we can pay anyone directly through upi using credit card without any hidden charges. But transaction limit is set to certain extent hoping for increase in future,

I personally recommend this app to every credit card user to save from transaction charges,

Developer Response ,

Hi, thank you for your encouraging words, and for taking the time to share your positive experience with us. We really appreciate it, thank you for being a loyal customer! Please feel free to reach out in case we can be of further assistance. We also request you to refer vCard to friends, colleagues & family members- vCard Team

App Privacy

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.

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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