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 [email protected]

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.