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Get credit cards in India that are best matched to your credit profile
An all-inclusive digital card, processed and issued within minutes; EarlySalary Salary Cards are a great way to shop to your heart’s content on e-commerce websites and other online stores. Avail easy low-cost EMIs and great discounts that are reserved only for credit card customers.
EarlySalary has been gradually capturing the Fintech space in India with over 1.7 million loans disbursed till date. The fully automated machine learning based lending approach has been quick in attracting young millennials looking for a credit option but cannot get the traditional credit card owing to low credit history or less income.
The EarlySalary Salary Card is a Buy Now Pay Later lending option in the form of a card. We can call it a credit card that allows you to make purchases on various platforms and automatically converts these purchases into simple EMIs ranging from 3 months to 12 months.
Check Out Other Leading Buy Now Pay Later Options In India
Applying for EarlySalary Salary Card takes less than 5 minutes;
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Your Salary Card can be used both online and offline. The card is powered by RuPay and is accepted at almost every merchant establishment.
EarlySalary Salary Card is available for individuals who are –
Check Your Eligibility For Buy Now Pay Later Schemes From Leading Lenders
With the world turning towards digital money exchange, credit and debit card were made a staple. But then came the UPI revolution and people seldom take out their cards. Now with fintech solutions like EarlySalary Salary Card, individuals are able to combine the benefits of a credit card and digital money transactions to make their life easier. Moreover, Salary Card is a Buy Now Pay Later scheme that comes with zero processing fees for your loan.
Traditional credit cards are hard to obtain due to the stringent eligibility criteria they impose on aspiring customers. But EarlySalary Salary Card is available even to low income and low credit score users.
Here are a few more points of comparison between a credit card and EarlySalary Salary Card
EarlySalary Salary Card
Usually takes around 15 days for the application to be processed and then the physical card is dispatched
Application and approval are finished in less than 5 minutes and your virtual card is activated instantly on your EarlySalary mobile app
It is usually up to 3 times of your monthly salary
Usually only equal to your gross monthly salary amount
24-48% per annum
Around 24% per annum
Joining fees and annual fees
Based on the card features and type
GST on EMI transactions
No GST on EMI transactions
Processing fees for EMI conversion up to 2% of the transaction amount
Nil processing fees for EMI conversion
Impact on credit score
Significant impact on credit score for increased credit utilization ratio
Boosts your credit score for using 100% of your credit limit
EarlySalary Salary Card is a great innovation in the fintech space that attempts to revolutionize the Buy Now Pay Later lending program. With millennials seeking a higher purchasing power, this Salary Card, and any other similar products, are here to stay for long.
1. What is EarlySalary Salary Card?
EarlySalary Salary Card is a Buy Now Pay Later scheme in the form of a card. It allows you to pay for transactions, both offline and online, which are automatically converted into simple low-cost EMIs.
2. How to repay the EMIs on my EarlySalary Salary Card?
You can choose to pay the EMIs every month on the EarlySalary app or setup auto-debits for the amount from your bank account every month.
3. How to set the PIN number for my EarlySalary Salary Card?
You need a PIN number to use the physical card. You can set this by logging to the EarlySalary app and choosing the ‘Set PIN’ option.
4. Will I get a physical Salary Card to my address?
A physical Salary Card shall be sent to your address only if you request for it. You can raise a request for the physical card through the EarlySalary mobile app.
5. Where can I find the PIN number to use the digital Salary Card?
You will be required to set a 6-digit passcode for your digital Salary Card. On the EarlySalary mobile app, when you access the digital Salary Card for the first time, you will be required to set the security questions and choose a 6-digit passcode for your Salary Card.
6. Can I repay the loan amount early?
Yes, you can repay the entire outstanding amount before the tenure ends, without any additional costs or penalty.
7. What are the documents required to get an EarlySalary Salary Card?
You will need to submit –
8. Can I use my EarlySalary Salary Card for international transactions?
No, EarlySalary Salary Card cannot be used for international transactions.
9. What is the minimum transaction amount to convert into EMI on my EarlySalary Salary Card?
You can covert transactions as low as Rs.500 into simple EMIs on your EarlySalary Salary Card.
10. What are the repayment tenure options available on EarlySalary Salary Card?
EarlySalary Salary Card offers repayment options of 1, 3, 6, 9 or 12 months.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.