Benefits and Offers

  • Unlimited UPI Transfer
  • Transfer Entire Credit Limit to any Account
  • No Plastic Card, reward points
  • Zero Annual Fee
  • Finance Charges are Rs. 1.15 per 1000 per day.
  • Finance Charges reduce based on credit score and spend history
  • Personalized offers on Food, Shopping, Entertainment, Online Spend etc.

Get started

  • Complete Application on App or Web
  • Basic Demographics, PAN details
  • On Approval, Complete Application with Aadhaar based KYC
  • If Current Address doesn’t match Aadhaar – edit Aadhaar details to match current address on the UIDAI website

Using vCard

  • Scan or Type target UPI ID from any app – BHIM, PhonePe, Google, Whatsapp etc.
  • Pay by UPI and authenticate through TPIN
  • Alternately, move entire limit to any account and convert into EMIs
  • Avail of relevant rewards and merchant benefits based on spend
  • Tag spends to different categories, set budgetary limits
  • Leverage analytics and reminders for insight to manage expenditure


  • On or before due date, make payment through UPI/ Netbanking on the vCard app
  • If unable to make full payment, pay at least the Minimum Amount Due to avoid late fees
  • If you make any payment before the due date, it reduces the overall Finance Charges

Credit Line Charges

  • Zero Annual Fees
  • Pay using credit line at Finance Charges Rs. 1.15 per 1000 per day for any spend calculated on the daily outstanding balance.

Frequently Asked Questions

  • Who is eligible to apply for vCard
    Anyone who is Salaried /Self Employed holding an Aadhaar card + PAN card and of age group 23 years to 55 years is eligible to apply
  • What are the documents required to apply for vCard
    Selfie based photo taken online and Aadhar card as ID/Address proof .It is essential that current address is same as mentioned on Aadhar
  • How does UPI work and what are the charges
    vCard allows payment to any UPI app - including BHIM, Bank Apps in addition to Google, Whatsapp, PhonePe, PayTM etc. You may scan the UPI QR or type the UPI ID to find the beneficiary.
    There are no Charges for UPI transactions
  • What is the Process to apply for vCard
    You may initially check eligibility through post eligibility approval you need to fill up the KYC details and then upload Aadhar as document -Once the application is approved you may start using the vCard instantly.
  • What is the fee and the interest charges structure? Are there any hidden fee?
    You will be charged a Finance Charge of Rs. 1.15 per 1000 or 0.115% per day and the amount payable is calculated accordingly monthly. The late fee shall not be collected for 5 days after bill generation however Rs.100 as Convenience charges will be levied.
    - Minimum amount of 5% is payable, failing which the account goes Delinquent and also attracts late fees of 15%
  • What is the Maximum Credit Limit I can get
    The maximum eligible amount is Rs.60,000
  • When will I receive my statement
    Bill will be generated on the last day of every month
  • Is there any Annual fee charges for vCard
    There is no annual fee charged
  • Is there any Possibility to enhance the Limit after certain period of usage
    There is no possibility to enhance the amount at this point of time however will be accordingly communicated if the same is considered
  • What are the various charges applicable on the Credit line
    Other than Late fee and Interest, Convenience charge of Rs.100 will be charged on every month bill
  • How can I generate my m-PIN
    m-PIN can be generated after signing up in to vCard app with your registered mobile number
  • How can I change /update my m-PIN
    m-PIN can be changed at any time through vCard app, from Settings option in menu bar
  • What is the option for bill Payment
    Bill will be generated on the last day of every month and the same can be paid through Net Banking / eMandate
  • How is the interest calculated on my account
    You will be charged Finance Charges of Rs. 1.15 per 1000 or 0.115% per day and the amount payable is calculated accordingly and charged monthly.
  • Where all can I use vCard ?
    vCard with UPI can be used to encounter any kind of your financial requirements like
    * At any Merchant establishments
    * E-commerce Websites
    * Transfer amount to self / other savings bank account instantly
  • How my Credit Line dues are informed to me
    You will be sent a billing statement detailing the transactions on vCard app well before the due date for payment of dues.
    Billing information is also made available by email if you have registered with your email id.
    You will also be informed by an SMS Alert about the billing amount and due date for payment of dues.

Sample Calculations

vCard RBL Bank Credit Card @3.5% roll over interest charges
Billing Cycle Narration Spend/ Repay Total Outstanding
Day 1 Mastercard 3500 3500
Day 3 UPI 2500 6000
Day 7 UPI Repaymen -1500 4500
Day 15 Mastercard 4400 8900
Day 20 Mastercard 3000 11900
Day 25 UPI 600 12500
Day 30 Mastercard 1500 14000
Day 31 Bill Generated Total Due 14000
    Minimum Due 1800
Day 45 Repayment By NetBanking 4000
    Closing Balance 10000
Day 46 Daily Interest 11.67 10011.7
Day 60 Bill Generated Total Due 10350
vCard PinCap Credit Line @ 0.115% per day Finance Charges
Billing Cycle Narration Spend/ Repay Total Outstanding
Day 1 UPI 3500 3,500
Day 3 UPI 2500 6,007
Day 7 UPI -1500 4,531
Day 15 UPI 4400 8,967
Day 20 UPI 3000 12,012
Day 25 UPI 600 12,671
Day 30 UPI 1500 14,234
Day 31 Bill Generated Total Due 14,473
    Minimum Due 887.16
Day 33 Repayment By NetBanking 4000
    Closing Balance 10,473
Day 34 Daily Interest 12.043582  
Day 60 Bill Generated Total Due 10,786
Virinchi Product
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