What is SalaryCard?
Here's a digital card for the digital age. Give your salary the upgrade you've always desired for, 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
We understand your needs really well, that’s why we never ask you what do you need the money for.
Higher limits
Get up to 3 times your salary available to spend instantly, at any store or website
Dynamic Tenure Available
Pick your desired tenure - from 1 to 12 EMIs, without paying a penny
Zero Processing Fees
Pay for purchases in EMIs as many times as you like, without worrying about fees unlike on other cards
No Annual or Renewal Fee. Forever.
Enjoy higher limits valid for lifetime at zero charge
Higher limits
Get up to 3 times your salary available to spend instantly, at any store or website
Dynamic Tenure Available
Pick your desired tenure - from 1 to 12 EMIs, without paying a penny
Zero Processing Fees
Pay for purchases in EMIs as many times as you like, without worrying about fees unlike on other cards
No Annual or Renewal Fee. Forever.
Enjoy higher limits valid for lifetime at zero charge
Introducing SalaryCard
Not just cash, you can use your EarlySalary limit to do more
How to get your SalaryCard in 2 days?
Acceptable across India on online & offline transactions
Get EMI options on each transaction
Get category based dynamic limits & control via EarlySalary App
No annual or renewal fees
Prepay anytime at no extra cost
Where you can use SalaryCard?
With a few clicks, a digital version of your SalaryCard will be activated. Additionally, you can get a physical/plastic version of the SalaryCard for free through the app. Go ahead and enjoy the benefits of the SalaryCard!
How is a SalaryCard better than a Credit Card?
| SalaryCard | Credit Card | |
|---|---|---|
| Power of EMI | ● Choose prefered tenure at no cost | ● Cost involved to convert any transaction into EMI |
| Approval | ● Get your virtual card within same day | ● Takes up to 14 days to get your card |
| Credit Conscious card | ● Spend 50% of salary on lifestyle, 200% on education; spends capped for each category to keep you from spending much on higher risk categories | ● Same limit across all categories without any control where you are spending |
| Category wise limit | ● Dynamic limits available to be used across categories | ● Single limit across any transaction |
| Impact on bureau score | ● Using 100% of limit & repaying on time boosts your credit score | ● Using more than 30% of your credit card limit impacts your score negatively |
Know more about SalaryCard
You can only make transactions above ₹ 3,000
By default, your EMI tenure is set to its maximum. Choose your preferred EMI tenure before the transaction from the EarlySalary App
Pick the ‘Debit Card' option when completing any ecommerce transaction
SalaryCard usage is exclusive to India
Withdrawl of cash is not permitted using SalaryCard. For cash needs, use your EarlySalary App & transfer instant cash to your account!
Featured In
The industry recognizes us as much as our customers love us! And so, EarlySalary has been featured in multiple leading publications, documenting our efforts in making credit accessible to you!
