vCard – Mobile Credit Card vs Loan APP - PSBLoansin59minutes Usage & Stats
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 hi@vcard.ai
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.
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Apply Business Loan for MSME unit on this APP & get In-principle approval within 59 minutes. This loan app is for small business loans, up to 5 Crores for micro, small & medium enterprise companies. Likewise, one can apply for Mudra Loans too.
Loan EMI Calculator & Loan Eligibility Calculator
- Calculator for Loan EMI
- Loan Eligibility Calculator
- Track your loan application status
Product Specifications:
1. Business Loan for MSME (Small Business)
In-principle approval for the Small Business Loan including Term Loan or Working Capital loan from eligible Banks/Financial Institutions.
Highlights
- Minimum Business Loan Amount - Rs. 10,00,000
- Maximum Business Loan Amount - Rs. 5,00,00,000 (5 Crore)
- Minimum Repayment Tenure - 1 Year
- Maximum Repayment Tenure- 15 Years.
- Interest Rate: Ranging from 6.8 % to 21% depending on customer’s credit & risk profile
- Processing Fee: Ranging from 0.1% to 6 % depending on customer’s credit & risk profile
2. Mudra loan
Highlights
- Minimum Loan Amount - Rs. 10,000
- Maximum Loan Amount - Rs. 10,00,000
- Minimum Repayment Tenure - 1 Year
- Maximum Repayment Tenure- 15 Years.
- Interest Rate: Ranging from 6.8 % to 21% depending on customer’s credit & risk profile
- Processing Fee: Ranging from 0.1% to 6 % depending on customer’s credit & risk profile
3. Home loan
Any salaried or self-employed individual can apply for In-principle approval for Home Loan. Apply home loan on the app & take a loan up to 10 Crores from the banks/financial institutions through easy documentation & faster approval process.
Highlights
- Minimum Home Loan Amount - Rs. 10,000
- Maximum Home Loan Amount - Rs. 10,00,00,000
- Minimum Repayment Tenure - 1 Year
- Maximum Repayment Tenure- 50 Years.
- Interest Rate: Ranging from 6.8 % to 21% depending on customer’s credit & risk profile
- Processing Fee: Ranging from 0.1% to 6 % depending on customer’s credit & risk profile
4. Car Loan, Bike Loan, Scooter Loan
Any salaried or self-employed individual can apply for In-principle approval for Car Loan, Bike Loan, Scooter Loan. One can apply on APP & get a loan of up to Rs. 1 Crore from the banks/financial institutions through easy loan documentation & fast approval process.
Highlights
- Minimum Loan Amount - Rs. 10,000
- Maximum Loan Amount - Rs. 1,00,00,000
- Minimum Repayment Tenure - 1 Year
- Maximum Repayment Tenure- 10 Years.
- Interest Rate: Ranging from 6.8 % to 21% depending on customer’s credit & risk profile
- Processing Fee: Ranging from 0.1% to 6 % depending on customer’s credit & risk profile
5. Personal loan
Any salaried individual can apply for In-principle approval of a Personal Loan via this APP & get a loan up to Rs 20 Lacs from the banks/finance institutions through easy documentation & quick approval process.
Personal loan can be taken for buying personal computer, laptop, smart mobile phone, TV, refrigerator, AC, washing machine. Other uses can be medical treatment loan, Higher education loan.
Highlights
- Minimum Personal Loan Amount - Rs. 10,000
- Maximum Personal Loan Amount - Rs. 20,00,000
- Minimum Repayment Tenure - 1 Year
- Maximum Repayment Tenure- 6 Years.
- Interest Rate: Ranging from 7.2 % to 27% depending on customer’s credit & risk profile
- Processing Fee: Ranging from 0.1% to 6 % depending on customer’s credit & risk profile
Example
For Rs. 10,00,000 loan amount, at an interest rate of 11.49% P.A. at processing fee of 0.3 %, for 3 Years, you would pay
- Monthly repayments of: Rs. 32,971
- Loan Amount: Rs. 10,00,000
- Total Interest Paid: Rs. 1,86,965
- Total payment after 3 Years: Rs. 11,86,965
- Processing Fee: Rs 3,000
Visit www.onlinepsbloans.com/Privacy-Policy.html to refer to our policies on your personal data usage & protection shared by you with banks/financial partner via this APP.
Contact us/Grievance Redressal:
Helpdesk: 07941055999
E-mail: contact@onlinepsbloans.com
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vCard – Mobile Credit Card VS. 
Loan APP - PSBLoansin59minutesJanuary 6, 2025