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Overview Early Salary Credit Card

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.

What Are The Features Of EarlySalary Salary Card?

  • Get free Salary Card – no joining fees, no annual fees, or no processing fees for EMI conversion
  • Interest free period of up to 51 days
  • Transactions of over Rs.500 are automatically converted to low-cost EMIs of 3 to 12 months
  • Pre-pay at any time during the tenure with no additional costs
  • Powered by RuPay and NPCI payment platform, acceptable across India for both online and offline transactions
  • Instant approval and dispatch of card. Virtual card also activated for immediate use
  • Can be used across various merchants dealing with shopping, fashion & lifestyle, healthcare, insurance, entertainment, automobile, education, and more
  • Salary Card usage helps you boost your credit score but does not affect your credit utilization rate
  • Available to individuals from any credit bureau, employment type and income levels

Check Out Other Leading Buy Now Pay Later Options In India

How To Apply For An EarlySalary Salary Card?

Applying for EarlySalary Salary Card takes less than 5 minutes; 

  • Download and install the EarlySalary app from Playstore or Appstore
  • Choose the ‘Salary Card’ tab
  • You need to register by entering few basic details like name, email address, phone number and PAN number
  • The next step will ask you to complete the KYC requirements
  • Once the KYC is completed and you have verified with an OTP, your card is generated with your credit limit
  • You can set a passcode or PIN number for your card and start using it. You can request for a physical card to be sent to your address, if you need one.

Are You Looking For A Personal Loan? Find The Best Personal Loan At Lowest Interest Rates On Creditmantri.

Where All Can I Use My EarlySalary Salary Card?

Your Salary Card can be used both online and offline. The card is powered by RuPay and is accepted at almost every merchant establishment.

  • Shopping: You can use it to shop online or offline at e-commerce portals. Get 0-cost EMI offers while shopping on Amazon & Flipkart.
  • Travel: Book flight tickets and train tickets on most travel apps.
  • Gadgets: Shop for your latest gadgets both at online and offline stores.
  • Healthcare: Spend on medical expenses and insurance premiums.
  • Education: Do online certifications or pay your college fees.

What Are The Eligibility Criteria To Get An EarlySalary Salary Card?

EarlySalary Salary Card is available for individuals who are – 

  • Indian resident citizens 
  • Over the age of 21 but below 55 years
  • Salaried individuals with a minimum monthly salary of Rs.15,000 in rural areas and Rs.18,000 in metros

Check Your Eligibility For Buy Now Pay Later Schemes From Leading Lenders

Which Is Better? Salary Card Or A Credit Card?

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

Credit Cards

EarlySalary Salary Card

Application process

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

Credit limit

It is usually up to 3 times of your monthly salary

Usually only equal to your gross monthly salary amount

Interest rate

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

EMI conversion

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.

EarlySalary Salary Card FAQs

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 –

  • Your PAN number
  • Aadhaar card details
  • Bank account statement
  • Salary slips

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.

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