Download Finotive, enter your PAN and Aadhaar, and complete a short form. Eligibility is checked on the spot - no branch visit and no paperwork to post.
We verify your details and offer you a limit. You choose which of our 5 variants to take, knowing its yearly charge and withdrawal limits before you accept.
Your virtual card works immediately for online payments. Set a four digit PIN to withdraw cash at any ATM in India, and the physical card follows in the post.
You get one statement a month. Purchases repaid inside the interest free period cost nothing extra; ATM cash carries the cash advance rate from the day you withdraw.
Meeting these does not by itself guarantee approval - the limit and the variant offered depend on our credit assessment.
Nothing needs to be printed, signed or couriered. The whole application is completed inside the Finotive app.