---
title: "vCard – Mobile Credit Card - Reviews, Revenue and Downloads in India | Apple App Store"
description: "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 .  A"
---

# vCard – Mobile Credit Card — India

![VCard App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/8e/f8/2a/8ef82a95-bb15-9c64-fcb6-361262f79aaf/AppIcon-1x_U007emarketing-0-7-0-85-220-0.png/434x0w.png)

**Developer:** [Virinchi Technologies](https://apptail.io/developer/virinchi-technologies-FNnb)
**Category:** Finance
**Rating:** 3.0/5 (613 ratings)
**Price:** Free
**Bundle ID:** com.VTL.vCard
**Store:** Apple App Store
**Country:** India
**Version:** 2.7.1 (released 2024-11-26)
**Original Release:** 2018-09-02
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1420012049)
**AppTail Page:** [https://apptail.io/app/vcard-mobile-credit-card-nnSh/india](https://apptail.io/app/vcard-mobile-credit-card-nnSh/india)

## VCard Description
vCard is a Mobile Credit Platform. vCard partners with Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) for credit line products known as PINCAP  .

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.

## VCard Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/3d/fb/e1/3dfbe18d-9291-30a1-90c5-19b232ed9c8a/d8ac33b9-719d-4a0e-9981-7d3ab178a428_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-12-23_at_11.13.52.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/97/55/2d/97552dfa-1683-40fa-fb17-703abccf4c4b/d9b46dca-3934-4eb0-ae8f-fde8522e962c_home.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/6a/aa/da/6aaada15-1f54-e725-3889-a91c39d82641/2d156b0f-a74d-4704-931c-79b7a65c1fa8_transactiondetails.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/c8/69/b1/c869b14c-8530-6177-b622-7498844f42a4/d7cee517-c2f5-48bd-be58-6196a3767b55_transactions.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/08/4f/a6/084fa6ef-dc0e-4f6b-e1a2-4095d48b3acf/1765415e-be0c-44c8-be8b-adb505370f10_payment.png/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/46/0f/49/460f4991-f7a9-83fb-cc27-d12920e70cbf/c5878638-05cb-4e2d-b9df-b14725830b2c_20257.jpg/1242x2688.png)

## VCard Rating Breakdown in India
- 5 stars: 246 (40%)
- 4 stars: 59 (10%)
- 3 stars: 19 (3%)
- 2 stars: 23 (4%)
- 1 stars: 266 (43%)

## VCard Reviews in India

### *---- "Bad app"
This very fake app.. This app also not working...................I am very frustrated this app.. Don't use
-- Ritveer, 2025-09-27

### *---- "OTP ISSUE"
After login otp is not coming I need to do payment kindly rectify the issue
-- Svinay Kumar, 2025-07-26

### *---- "OTP ISSUE"
Since last 10 days I'm not receiving OTP for login , not able to login
-- Sachin dali, 2025-04-28

### *---- "App not working on Iphone"
App is not working on iphone, raised with support team but no update even after 6months. I have sent so many follow up mails but no use. Worst experience with App
-- Sshivva, 2024-11-30

### *---- "This Service is suspended"
I have been using this app for for a while and everytime wen i logon it asks for card registration. Recent days they have technical error 24/7 and permanently out of order. I would not recommed as RBL has temporarily suspended this v card service.
-- Orukari, 2024-11-22

### *---- "App Not Working"
Please Test Yor App 1st It’s not working .. Gender / Income etc Options not working
-- RSPRADHAN, 2024-11-20

### *---- "Worst services"
Unable to make payments since a year and above, I have been highlighting from since day 1 but till date no resolution neither the issue is patched.
Never refer this app for your needs
-- Arru Boy, 2024-11-17

### *---- "Everything Same Issue We Are Upgrading"
Not Recommend At all if you are in a emergency situation this app will never help you
-- YogeshSanap, 2024-10-02

### *---- "Pathetic Supports"
Bekar
-- Ghor98, 2024-09-27

### *---- "Worst App"
Whenever i am logging always coming message like technical issue
-- Manish.negi29395, 2024-09-26

[View all VCard reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## VCard Discovered Keywords
- personal loan app
- credit
- personal
- payme
- credit line
- vcard
- mobile credit card

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