Zolve Credit Card Review

The Zolve credit card is a unique credit card designed for those who are going to the US for studying or for their jobs. Most of the immigrants often face financial trouble, at least for the first few months. This card can eliminate this problem by offering free access to credit, with a 0% interest rate and 0% currency conversion fee, making this an ideal credit card for immigrants

Apart from that this card offers exclusive deals on premium brands, a higher credit limit, an advanced contactless payment facility, and lots more. More about zolve credit card details are given below. 

What are the zolve credit card requirements?

  • Resident Type: Indians who are about to go to the united states
  • Age: The age of the applicant should be between 21 to 60 years. 
  • Occupation: Every student, self-employed or employed individuals with a good credit score are eligible for this card. 
  • If you already have a credit card then you will get a significantly higher credit limit.  
  • An excellent credit score (above 750) is needed to apply for this zolve us credit card.

What documents are required to apply for the zolve credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the Zolve credit card fees?

  • Zolve credit card joining fee: None. 
  • Zolve credit card annual fee: None. 

What are the zolve credit card benefits

  • Enjoy the convenience of credit with a higher credit limit:

The Zolve credit card comes with a much higher credit limit compared to the other app-based credit cards. The zolve credit card limit starts from $1500 and can go up to $10,000. You can check your approved zolve credit card limit from the Zolve app.

  • Add more value to your transactions with a powerful zolve credit card cashback offer:

Zolve has partnered with Dosh, which is one leading rewards providers in the US. It offers up to 10% cashback on every transaction at some of Zolve’s partner’s stores, like Adidas, H&M, Walmart, and other 10,000+ merchants worldwide. 

  • Enjoy a 0% convenience fee on currency conversion:

Unlike most other credit cards available in India, it offers a 0% currency conversion charge, which is extremely useful for those who are living outside their home country. 

  • Earn bonus gifts from a very attractive referral program:

You can earn a good amount of cash through the Zolve card referral program. You can send your zolve credit card referral code to one of your friends and when your friend uses this link to activate his/her card, you will get a $15 bonus gift. Your friend will also get another $15 bonus in his/her Zolve card account. 

  • A convenient application process that makes things easier for you:

This card can be issued without having any US credit history or any social security number. You can fill up the zolve credit card form and submit it using the zolve credit card app

You can also apply for a physical copy of the Zolve card and activate it using the Zolve app. Just complete the zolve credit card verification process by uploading a selfie and your card will be ready to be used anywhere in the world. You can also use the zolve credit card official website to apply for this card. 

  • Build your FICO score more easily:

In the US the FICO score is very important, it is mandatory to get financial services like loans, credit cards, and even to rent a good apartment. This card will help you to build a good FICO score. Zolve offers some really helpful tools and sends you regular notifications and reminders about your due date which will help you to build credit scores and improve your FICO score more easily. 

  • Enjoy the convenience of the advanced contactless payment option:

This card is equipped with a contactless payment system that allows you to make payments with just a wave at any secure reader machine. You can also control the contactless and other zolve credit card payment options from the zolve credit card app. You can also block your Zolve card temporarily from the Zolve card app. 

What are the zolve credit card charges?

Particulars Payable amount
Cash Withdrawal Charge Not applicable.
Finance Charges 0% for the first 6 months and after that, it may go up to 14.99%.
Foreign currency conversion charge                           0% against the transaction amount.

You can find more details about each and every charge from the zolve credit card terms and conditions page

How to contact the zolve credit card head office?

  • Zolve credit card contact number(Whatsapp): +91-9326553466
  • Zolve credit card email id: hello@zolve.com

 100xGain Ratings: 


Pros and Cons of Zolve Credit Card:

Pros  Cons
  • It offers a 0% interest rate for the first 6 months
  • Under the zolve credit card cashback program, you can make handsome savings per month
  • You don’t need to have a USA credit report/score to get this card.
  • This card does not offer anything in the travel categories.  

You can also close your zolve account very easily, just send your closure application to the zolve credit card mail id and the zolve credit card representative will contact you to complete the process. 

Final Opinion:

If you are going abroad, and you need a convenient yet affordable way to build up a good FICO score, then this card will be a very good option for you. It offers up to 10% cashback on premium brands, zero currency conversion charge, higher credit limit, etc. The most attractive feature of the card (at least for me) is the zero joining and annual fees and the 6 months of the interest-free period which gives you enough time to settle in. 

So if you are traveling to the US, you should take this card with you, it will help you to settle in there. If you are looking for more entry-level credit card options, then you should take a look at our top beginner’s cards page. You can also compare the alternative card options given below.

Alternative Cards: 

  1. OneCard credit card (Best for offering reward points and low-cost EMI option)
  2. Postpe Credit Card (Best for its referral program and low-cost EMI option)
  3. Slice Credit Card (Best for offering cashback and online benefits)
  4. Uni 1/3rd Card (Best for offering cashback and no-cost EMI option) 

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