Why vCard?


Rs.500 Annual fee waiver

Exclusive Benefits-Travel / Dining/ Grocery/ ecommerce on Mastercard

Personalized & relevant nearby merchant offers

Pay your bills with earned Scratch cards

Interest and Charges

Credit limit up to Rs.5,00,000
Billing cycle of 45 days

  • Annual fee of Rs499+GST 18% per annum is free for the first year and is waived off from second year onwards if the Annual spent is > 1lakh
  • 45 day interest free limit up to Rs.5,00,000 depending on your credit score
  • Entire available balance can be used using UPI however there is a limit of 10% of available balance per day that can be used for UPI transactions and its essential that available balance has to be above 25% . Monthly interest rate of 3.5% if the payment is not made by the due date
  • Minimum 10% or Minimum Amount Due has to be paid on due date to avoid late fee
  • Late fee- 15% of the amount due (min Rs.350 and max Rs.1000).

Annual fee of Rs500 + GST 18% is waived off for the first year.

From second year onwards Annual fee will be waived off if the Annual spend is > 1lakh.

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