vCard Credit Card Review

ViCreditCard or vCard is a new edition in the Indian credit card market, it is an app-based virtual credit card RBL Bank, which you can use for UPI payments. This card offers several benefits including welcome benefit, reward benefit, annual fee waiver, fund transfer, higher credit limit, and lots more. A further description of the card is given below. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 23 to 65 yrs. 
    • Income: ₹20,000 per month. (Min)
  • For self-employed person:
    • Age: 23 to 65 yrs. 
    • Income: ₹20,000 per month. (Min)
  • Good CIBIL score (750 or above). 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest Salary Slip.  
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: None.  
  • Annual Fee: None for the first year & ₹500 + GST (Can be Waived off  if ₹1 lakh is spent within a year)


  • Welcome benefit:

With the activation of your vCard, you will get 2000 reward points as a welcome gift, also if you can spend ₹10,000 within the first 60 days of the card activation, you will get extra 1000 reward points. 

  • Reward benefit:

With this card, you will get 1 reward point for each ₹100 to spend on some selected categories. You can also get 20 reward points for the same on Wednesdays. 

This card also offers 40 reward points for each ₹100 spend on Dominoes and Pizza Hut every Wednesday.  

  • UPI payments:

With your vCard app, you pay conveniently for your daily needs through UPI, you can pay a maximum of 10% of your total credit limit per day and a maximum of ₹20,000 per month. 

  • Fund Transfer:

In case of emergencies, you can transfer the total credit limit as an instant loan, you can also pay back in EMI. 

  • Annual fee waiver:

If you can spend ₹1 lakh within a year then you will get a 100% waiver on your next year’s annual fee.  

  • Milestone benefit:

If you can spend ₹1.2 lakh or more within a year, you will get 4000 bonus reward points. 4 reward points = ₹1 rupee. 

  • App control:

As it is a virtual credit card, you will have all the control in your mobile. There will be a passbook in the app, in which you can all the spending you have made in detail. 

  • Credit limit:

This card offers a credit limit of up to ₹5,00,000. 

  • Fuel Surcharge Waiver:

You will get a waiver of ₹100 per month on fuel surcharges. The transaction amount should be between ₹500 to ₹4,000.  

  • Virtual credit card:

vCard is a virtual credit card and there are several benefits of virtual credit cards like, as it is a virtual card it cannot be lost or stolen, it is much safer than regular cards, it is convenient and easy to use, etc. 


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount. 
  • Finance Charge: 3.5% monthly. 

Contact Details:


Address: 8-2-672/5&6, Road No. 1, Banjara Hills, Hyderabad – 500 034, Telangana, India. 

Dispute Resolution Process:

If you notice any unauthorized charges in your account or if your card is lost or stolen, you can follow these steps given below:

    1. If your card is lost or if any fraud happens, you can call the RBL customer service and ask them to block your card and follow their instructions. 
    2. If you are not satisfied with the given service you can take your complaint to the head of customer care. You can mail him/her at  or you can call at + 91 22 4918 6000. 

If your problem is still not solved, you can go to the Banking Ombudsman, but before going to the banking to the Banking Ombudsman, try to negotiate the issue with the bank. 

100XGain Ratings:


Final Opinion:

If you are looking for a virtual credit card with lots of benefits, this card can be a good option for you. It offers 1 reward point for every ₹100 transactions, up to 4000 bonus reward points per year, a fund transfer facility, and lots more. But if you are looking for benefits on movie and dining, you will be disappointed with this card. 

But this card does not feature benefits in shopping, dining, or entertainment categories. So if you want to earn benefits on shopping then you can go for RBL Shop Smart Credit Card, and if you want benefits on dining and entertainment then you can go for Standard Chartered Platinum Rewards Credit Card.  

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