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.