A new virtual Rupay credit card offering through Kreditbee. Kreditbee is a digital lending platform that launched a credit card that is 100% digital.
Kreditbee partnered with RBL bank to launch this new Rupay Credit Card.
If you have a bad cibil score then Kreditbee Credit Card is for you.
Kreditbee Credit Card Quick Recap
|Basic Components||Card Details|
|Credit Limit||Rs. 10,000|
|Activation Fees||Rs. 99|
|Annual Fees||Rs. 149|
|Interest-Free||Up to 45 days|
|Eligible For||Self Employed/ Salaried/ Student/ Housewife|
Also Read: Student Credit Card
What is Kreditbee
KreditBee is a FinTech platform that provides professionals with quick personal loans of up to 2 lakhs depending on their needs. It is India’s Fastest Digital Personal Loan App.
What is Virtual Credit Card
A virtual credit card is a digital card that can only be used online. You may see all of your card information online, including the number, CVV, and expiration date, and use it to make an online purchase.
Rupay Virtual Credit Card was introduced by Kreditbee in collaboration with RBL Bank.
Also Read: Best Axis Bank Credit Cards
Benefits & Features of Kreditbee Credit Card
Fully Digital: Kreditbee offers 100% digital credit cards. You do not need to bring your credit card. Just access your card through the app.
Instant Approval: Don’t wait for 2-3 days to get this card. It is the instant approval process. You will get the result within 30minute.
Low Maintain Charge: Annual charges are very low compared to other credit cards. You need to pay Rs. 149 per annum for this virtual card.
Nil Hidden Charges: you don’t need to pay any charges. Kreditbee not taking any other hidden fees for this credit card.
No Income Proof: If you go to the bank and apply for a credit card, you have to submit a salary slip. But Kreditbee offering this card without income proof.
Minimum Documents: You just need to submit KYC documents like Aadhaar Card & Pan Card for this card. No other documents need to submit.
Fully Secure: You can only use this card through the Kreditbee app which is fully secure with M-PIN protection.
Also Read: HDFC Credit Card Loan
Kreditbee Virtual Card Fees & Charges
|Joining Charges||Rs. 99 (One Time Charge)|
|Annual fees||Rs. 149|
|Amount Withdraw fees (if the credit limit amount to transfer to the bank)||5% -7%|
|Default Charges||Rs. 100 or 3% of the due amount|
|Late Payment Charges||0.15% per day of outstanding money|
|Amount roll over to next month||20%- 29.9% interest per annum|
Also Know: Dhani One Freedom Card
Kreditbee Card Eligibility Required
- This card applies only to Indians.
- You should be good credit history or cibil score for quick approval.
- Required Smartphone
- Personal phone number needed
- Age required 21 years or above
Documents for Kreditbee Credit Card
- Applicant Pan Card required
- Aadhaar Card
- You should have your own Bank Account
Uses of Kreditbee Card
- Online Shopping
- Pay Electric Bill
- Pay Rent
- Buy Mobile Phone
- Medical Pay
- Pay Insurance
- Buy Rail Ticket
- Travel Expenses
- Transfer Money to Bank
Also Read: One Credit Card
How to Apply for Kreditbee Virtual Card
Follow the required steps to get this virtual credit card:
Step 1 Download the Kreditbee app from Google Play.
Step 2 Open the Kreditbee app & login through your mobile number.
Step 3 Now, go to the card section & you will see Activate button. Simply click on Activate.
Step 4 Next you will move to another page. Click on Active Kreditbee Card.
Step 5 Give your bank details like Bank Name & A/C no.
Step 6 Now, Kreditbee will transfer Rs. 1 to verify the Bank account. Just click on the continue button.
Step 7 After that you need to digitally sign the Kreditbee agreement. You can select “Digital Sign with face ID” or “E-Sign with Aadhaar” if you have to connect Aadhaar with mobile OTP.
Step 8 You will see the agreement. Just click on the tick box & the Sign now button.
Step 9 Verify yourself through Face ID & Click on Proceed button.
Step 10 Now, you will withdraw your credit limit to your bank account.
Now you will see your Kreditbee Virtual Credit Card.
You will see all the card details like CVV no, Card No, etc.
Also Read: RBL MoneyTap Credit Card
Kreditbee Customer Care Number
Contact Kreditbee customer care in different ways:
Kreditbee Customer Care Number: 080-44292200 (working day available from 10 AM to 7 PM)
Customer Email Id: [email protected]