vCard is a virtual line of credit given to the customers to make transaction through UPI. A mobile based payment solution makes the transaction superfast and convenient. Your social media presence will help you to avail more credit than regular banks credit card through TCI (Tensor Credibility Index)

This is one of the fastest way to generate a credit card using a mobile application, Aadhar Card and a PAN Card. We have collaborated with our banking partners who would provide you with the suitable line of credit based on your personal income parameters. You will get instant money which you can spend on any merchant accepting the payment through UPI. vCard has successfully and seamlessly generated credit cards which the traditional banks find it very hard to generate.

How it Works?

The process is very simple. You just need to follow following steps:

Register on vCard mobile application: Registration can be done using a mobile number and then verifying the mobile number using OTP.
Fill your basic details: Details like Name, Address, Income, PAN, Aadhar etc. needs to be filled. Your information would be used by our banking partners to decide your credit eligibility. Your data would be safe with us.
Connect your Social Media accounts: You can also choose to connect your social media accounts (Facebook, Twitter and Linkedin) so that we can track your social media behaviour and avail you with better credit limit.
Get your credit limit approved: Your credit limit would be approved within minutes and you can go ahead and start making payments using either your VPA or scanning UPI QR code.
Pay Bills on time: Your monthly bills would get generated. You would be notified for the same. Pay the bills before due date to avoid any charges.

Why vCard?
Welcome Offer: Grab the welcome offer worth Rs 300 on successful signup
Pay anywhere instantaneously: No need to top up your wallet using your card. Just scan the QR code/ enter your VPA and pay to merchant.
Highest Security Standards: Your credit is secured with us. You do not have to face the issue of failed
Suggested Offers: You would be suggested relevant offers from multiple merchants based on your payment history
Cashbacks: Get instant cashbacks for viewing the advertisements of our merchant partners. You can redeem your cashback on your monthly bill.
Spend Analyser: Track your monthly expenses using our spending analyser. Plan and categorize your spendings and create the budgets for the same
Rewards for Add on Card: Get rewarded for the add on card you refer to your friend or family member
Get Anything on EMI
Pay for any product using our EMI option. The feature works as follows:
After you scan QR code/ input your VPA, choose the payment option:
One-time payment
On Selecting EMI, you would be prompted for a tenure
On selecting the tenure, your EMI amount would be set up based on our EMI calculator.
You can make easy payments through this feature.
Get 24X7 support through our advanced chatbot:
Get instant replies and resolution to your queries using our advanced chatbot ‘Viki’. Our chatbot would reply instantaneously with your queries. We will not keep you waiting for your resolution. Our algorithm would detect your problem and would solve it within hours. In case of any queries you can always reach out to us at .

What’s New

Version 1.0.15

- UI improvements and Minor bug fixes.


Virinchi Technologies Limited
150.7 MB

Requires iOS 10.1 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
Rated 4+
© Tensor Field Consulting (A 100% subsidiary of Virinchi Technologies Limited)


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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