MandalCard – India’s Fastest Digital Credit Card & Credit Line
MandalCard is a digital credit card + flexible credit line designed for India’s salaried and self-employed individuals. Get instant access to credit from ₹10,000 up to ₹2,00,000 with zero paperwork, a virtual card, and complete control over repayment.
We welcome all job profiles – from delivery partners and retail staff to software engineers and small business owners – with a minimum monthly income of ₹18,000.
Key Points
Interest Rate (APR, min to max): 12% – 26% per annum
Maximum APR: 26%
Repayment period (min to max): 3 to 24 months (early repayment allowed, no penalty)
APR Calculation Example (for credit usage)
You take a credit limit of ₹50,000 and use ₹30,000 as a 12‑month EMI.
At an annual interest rate of 18%, your monthly EMI is ₹2,751.
Total amount repaid = ₹33,012.
One‑time card fee = ₹499.
Net disbursed to your wallet/UPI = ₹30,000 (less any withdrawal fee if applicable).
Resulting APR ≈ 20.5%
Our Lending & Banking Partners
Axis Bank Ltd – Card issuance & escrow
RBL Bank Ltd – Digital RuPay / Visa card
DMI Finance Private Limited – Credit line partner
Northern Arc Capital Limited – Liquidity & co‑lending
All partners are RBI‑registered NBFCs or scheduled banks. MandalCard complies fully with RBI’s digital lending guidelines.
Why MandalCard – Quick, Transparent & Paperless
Instant approval – From sign‑up to virtual card in under 10 minutes
Zero paperwork – All on the app: PAN, Aadhaar, bank statement
Virtual card instantly – Use on UPI, e‑commerce, Google Pay, Swiggy, Zomato
Build your CIBIL score – On‑time payments reported to CIBIL & Experian
Pay only for what you use – Daily reducing interest or convert to EMI anytime
Free credit score check – Every 30 days inside the app
Security & Privacy
Your data is protected with 256‑bit encryption, RBI‑compliant storage, biometric login, and regular third‑party audits. MandalCard will never share your information without your explicit consent.
Eligibility
Age: 21 – 55 years
Monthly income: ≥ ₹18,000 (salaried or self‑employed)
CIBIL score: ≥ 600 (new‑to‑credit also eligible with work proof)
Valid PAN & Aadhaar
Available in 200+ cities (expanding rapidly)
Mumbai, Pune
Delhi, Gurgaon, Noida
Bengaluru
Chennai, Coimbatore
Hyderabad, Secunderabad
Ahmedabad
Kolkata
Jaipur, Indore, Lucknow
Chandigarh, Ludhiana
And many more
What can you use MandalCard for?
Daily shopping, groceries, dining
E‑commerce (Amazon, Flipkart, Myntra)
Mobile recharge, utility bills
Medical emergencies & online doctor visits
Education fees, courses, upskilling
Travel bookings (flights, trains, hotels)
Electronics & mobile phones on EMI
Not allowed: Gambling, crypto, illegal activities
How MandalCard works
Download MandalCard
Sign up with mobile number → OTP verification
Complete KYC: upload PAN, Aadhaar, and a selfie
Get instant credit limit (usually within 5 minutes)
Activate your virtual card → add to Google Pay / PhonePe / Amazon Pay
Start spending! Request a physical card later for ₹299 delivery fee.
Loan / Credit approval criteria
Income‑to‑expense ratio
Employment stability (≥6 months in current job)
Past credit history (CIBIL / Experian)
Age & city of residence
Purpose of credit (consumer spending preferred)
Your application may be rejected if
Income proof doesn’t match bank statement
Active overdues on existing loans or credit cards
CIBIL score < 560
Multiple loan applications in a short period
Fake or mismatched PAN / Aadhaar details
Contact Us
Email: [email protected]
Customer support: +91‑80‑9415‑5167 (Mon–Sat, 10 AM – 7 PM)
Office address:
WeWork Salarpuria Magnificia, 4th Floor,
No. 78, Old Airport Road, Bengaluru – 560017,
Karnataka, India
Website: www.mandalcard.in
MandalCard is a digital credit card + flexible credit line designed for India’s salaried and self-employed individuals. Get instant access to credit from ₹10,000 up to ₹2,00,000 with zero paperwork, a virtual card, and complete control over repayment.
We welcome all job profiles – from delivery partners and retail staff to software engineers and small business owners – with a minimum monthly income of ₹18,000.
Key Points
Interest Rate (APR, min to max): 12% – 26% per annum
Maximum APR: 26%
Repayment period (min to max): 3 to 24 months (early repayment allowed, no penalty)
APR Calculation Example (for credit usage)
You take a credit limit of ₹50,000 and use ₹30,000 as a 12‑month EMI.
At an annual interest rate of 18%, your monthly EMI is ₹2,751.
Total amount repaid = ₹33,012.
One‑time card fee = ₹499.
Net disbursed to your wallet/UPI = ₹30,000 (less any withdrawal fee if applicable).
Resulting APR ≈ 20.5%
Our Lending & Banking Partners
Axis Bank Ltd – Card issuance & escrow
RBL Bank Ltd – Digital RuPay / Visa card
DMI Finance Private Limited – Credit line partner
Northern Arc Capital Limited – Liquidity & co‑lending
All partners are RBI‑registered NBFCs or scheduled banks. MandalCard complies fully with RBI’s digital lending guidelines.
Why MandalCard – Quick, Transparent & Paperless
Instant approval – From sign‑up to virtual card in under 10 minutes
Zero paperwork – All on the app: PAN, Aadhaar, bank statement
Virtual card instantly – Use on UPI, e‑commerce, Google Pay, Swiggy, Zomato
Build your CIBIL score – On‑time payments reported to CIBIL & Experian
Pay only for what you use – Daily reducing interest or convert to EMI anytime
Free credit score check – Every 30 days inside the app
Security & Privacy
Your data is protected with 256‑bit encryption, RBI‑compliant storage, biometric login, and regular third‑party audits. MandalCard will never share your information without your explicit consent.
Eligibility
Age: 21 – 55 years
Monthly income: ≥ ₹18,000 (salaried or self‑employed)
CIBIL score: ≥ 600 (new‑to‑credit also eligible with work proof)
Valid PAN & Aadhaar
Available in 200+ cities (expanding rapidly)
Mumbai, Pune
Delhi, Gurgaon, Noida
Bengaluru
Chennai, Coimbatore
Hyderabad, Secunderabad
Ahmedabad
Kolkata
Jaipur, Indore, Lucknow
Chandigarh, Ludhiana
And many more
What can you use MandalCard for?
Daily shopping, groceries, dining
E‑commerce (Amazon, Flipkart, Myntra)
Mobile recharge, utility bills
Medical emergencies & online doctor visits
Education fees, courses, upskilling
Travel bookings (flights, trains, hotels)
Electronics & mobile phones on EMI
Not allowed: Gambling, crypto, illegal activities
How MandalCard works
Download MandalCard
Sign up with mobile number → OTP verification
Complete KYC: upload PAN, Aadhaar, and a selfie
Get instant credit limit (usually within 5 minutes)
Activate your virtual card → add to Google Pay / PhonePe / Amazon Pay
Start spending! Request a physical card later for ₹299 delivery fee.
Loan / Credit approval criteria
Income‑to‑expense ratio
Employment stability (≥6 months in current job)
Past credit history (CIBIL / Experian)
Age & city of residence
Purpose of credit (consumer spending preferred)
Your application may be rejected if
Income proof doesn’t match bank statement
Active overdues on existing loans or credit cards
CIBIL score < 560
Multiple loan applications in a short period
Fake or mismatched PAN / Aadhaar details
Contact Us
Email: [email protected]
Customer support: +91‑80‑9415‑5167 (Mon–Sat, 10 AM – 7 PM)
Office address:
WeWork Salarpuria Magnificia, 4th Floor,
No. 78, Old Airport Road, Bengaluru – 560017,
Karnataka, India
Website: www.mandalcard.in
Updated on
Jun 02, 2026
