Here's a digital card for the digital age. Give your salary the upgrade you've always desired, with the fastest process & the smartest features: get dynamic limits, enjoy flexible tenure options, shop on EMIs on any merchant, save up to ₹ 12000 round the year, all on ZERO subscription fees, ZERO annual charges or ZERO renewal fees.
Key features of SalaryCard
SalaryCard accepts customers across bureau types, credit scores, employment types, and income levels.
Interest-free period of upto 51 days
Repay your entire transaction amount on or before 1st EMI & pay zero interest.
EMI on every transaction
Instant conversion of transactions above Rs.500 into low-cost EMIs, prepay any time at no cost.
Loves ZERO Fees
Enjoy 0 joining fees, 0 annual fees, 0 renewal fees, 0 subscription fees, and 0 EMI conversion processing fees.
Credit Score Builder
Using SalaryCard does not impact your credit utilization rate and helps you to protect and boost your credit score
Not just cash, you can use your EarlySalary limit to do more
Get a SalaryCard in Few minutes
Download the EarlySalary app
Click on SalaryCard tab
Answer a few basic questions
Complete KYC with OTP consent
Setup passcode to activate the card
Where you can use SalaryCard?
Enjoy the SalaryCard both on a digital app and through a physical card. Go ahead; it is only a few clicks away. We are RuPay friendly. Enjoy double-spending limits with repayment at ease.
|Power of EMI||● Choose preferred tenure at no EMI conversion processing fee||● The cost involved to convert any transaction into EMI|
|Any amount into EMI||● Convert any transaction above Rs. 500 into EMIs||● Only transactions above Rs. 3,000 can be converted into EMIs|
|GST Treatment||● No GST on SalaryCard EMI||● GST charged on the interest of EMI transactions|
|Approval||● Get your virtual card within minutes||● Takes up to 14 days to get your card|
|Interest Rate||● Repay your entire transaction amount on or before 1st EMI & pay zero interest||● Significantly higher interest rates.|
|Impact on bureau score||● Using 100% of the limit & repaying on time boosts your credit score||● Using more than 30% of your credit card limit impacts your score negatively|
What More About SalaryCard?
Of India, For India, By India.
The SalaryCard instantly activates and is available for transactions on the EarlySalary app.
All charges are a grand total of zero - processing fees, subscription fees, renewal fees, and annual fees.
Save up to INR 12,000 round the year with offers on all major fashion, travel, shopping, medical portals
No additional cost to convert your card transactions into EMI.
Offers an interest-free period of up to 51 days, where you repay the amount without ANY CHARGES
Unlike any other traditional card, you can utilize your 100% limit without worrying about your credit score.
Don’t worry if you miss your EMI. We are here to remind you every time between the end of the billing date to the 1st EMI due date