A virtual card the moment you're approved
Card number, expiry and CVV appear in the app right after KYC. Use it online or tap to pay in store — no waiting for plastic in the post.
Lending through RBI-regulated partnersKharidari aaj.
Kharidari aaj.
Payment 28 din baad.Bilkul zero interest.
Udhar Card gives you a spending limit between ₹5,000 and ₹5,00,000 that you can use at partner stores and online. Pay the full amount back within 28 days and you pay exactly what you spent — not a rupee more.
- No interest for 28 days
- No hidden charges
- Approval in under a minute
Paperless KYC with PAN and Aadhaar. No branch visit, no paperwork, no processing fee.
9:415G
Available limit
₹1,25,000
Due 24 Sep · ₹0 interest
Platinum virtual
5241 •••• •••• 8830
PRIYA S.12/29
Recent
Sharma Kirana Store
Paid with card
Monthly groceries
Due in 21 days
Referral bonus
Coins earned
Approved in
41 sec
Interest paid
₹0
1M+
Shoppers using the card
1M+
Retailers accepting it
28
Interest-free days, every cycle
60 sec
Typical approval time
Kirana storesMedical shopsElectronicsFashion & footwearMobile retailHardware & paintGrocery chainsRestaurantsSalonsStationeryKirana storesMedical shopsElectronicsFashion & footwearMobile retailHardware & paintGrocery chainsRestaurantsSalonsStationery
How it works
Four steps between you and your credit limit
Most people finish the whole thing on a lunch break. The longest part is waiting for the OTP.
- 01
Download the app
Available on the Play Store and App Store. It takes about 20 MB and works on entry-level phones.
- 02
Finish KYC in the app
PAN and Aadhaar, verified on your phone. Nothing to print, nothing to courier, no branch visit.
- 03
Get your limit and card
A limit between ₹5,000 and ₹5,00,000 lands in the app, along with a virtual card you can use straight away.
- 04
Pay back within 28 days
Repay the full amount before the cycle closes and the interest stays at zero. One tap from the app.
What you get
Credit that behaves the way you'd expect it to
No annual fee for shoppers, no interest inside the cycle, and no charge that appears on the statement without a name next to it.
Zero interest for 28 days
Clear the balance inside the cycle and the cost is exactly what you spent.
Bank-grade encryption
Card details are tokenised and traffic is encrypted end to end. Your PAN never sits in plain text.
Decisions in under a minute
The underwriting model reads your KYC and returns a limit while you're still on the screen.
Every spend visible as it happens
Push notification on every transaction, running balance in the app, and a due date you can't miss.
Accepted at partner stores
Over a million retailers already run the seller app, so the card works at the shop down the lane, not just online.
Two apps, one system
Built for both sides of the counter
Udhar Card app
Available limit
₹1,25,000
Cycle closes 24 Sep
Sharma Kirana
Today · 6:40 pm
MedPlus Pharmacy
Yesterday
Reliance Digital
12 Sep
Pay full amount · ₹0 interest
For the person doing the shopping
Track what you've spent, see exactly when the 28 days end, and pay the whole thing off in one tap.
Shop online or in store
Use the virtual card at partner shops or on any site that takes cards.
One clear due date
The app shows the closing date on the home screen from the day you spend.
Full purchase history
Every transaction, sorted by shop and month, ready to check against your own records.
Coins on every referral
Bring a friend, collect 1,000 coins and a free item once they're approved.
Management
Choose the Plan That Fits Your Business
Designed for busy merchants who want a completely hands-free experience. Speak a command like “Add ₹500 credit to Ram” and the UdharCard Soundbox updates your books for you — no need to touch your phone.
FREE
Basic Plan
Freeforever
Perfect for merchants who want a simple way to manage customer credit records.
- Manually add and manage customer credit entries
- Track outstanding balances
- Access records from mobile, laptop, or desktop
- Simple and easy-to-use credit management system
VOICE
Premium Plan
₹29/month
Manage your credit business faster with AI-powered voice assistance.
- Everything in the Basic Plan
- Voice-based credit entry
- Add customer transactions by speaking
- Quick credit and payment tracking using voice commands
Try saying:
"How much is pending from Ram?"
"Show today's credit entries"
SOUND
Gold Plan
₹129/month
The ultimate hands-free credit management solution for merchants.
- Everything in the Premium Plan
- Free UdharCard Soundbox Device
- Use the Soundbox as your dedicated voice assistant
- Add and manage credit entries without using a phone or laptop
- Check customer balances through voice commands
- Faster and more convenient shop management
Try saying:
"Add ₹500 credit to Ram"
"How much balance is pending from Ram?"
| Feature | Basic | Premium | Gold |
|---|---|---|---|
| Manual credit management | |||
| Track outstanding balances | |||
| Access from any device | |||
| Voice-based credit entry | — | ||
| AI voice commands | — | ||
| Free Soundbox Device | — | — | |
| Completely hands-free | — | — |
UdharCard — Smart Credit Management for Modern Merchants.
Coming soon
Udhar Soundbox — hear every payment land
A small speaker for the counter that announces each payment out loud, in Hindi or English, the moment it clears. No squinting at a phone screen mid-rush, and no arguing about whether the money came through.
- Voice confirmation in Hindi or English
- Works on 4G — no shop Wi-Fi needed
- Battery lasts several days on one charge
- Pairs with the seller app you already use
UDHAR
Now announcing
“Do hazaar rupaye received”
Refer & earn
1,000 coins and a free item, every time someone joins on your name
Share your code from the app. When your friend finishes KYC and gets their limit, the coins land in your wallet and you pick a free item from the rewards list. There's no cap on how many people you can refer.
Your rewards wallet
4,000
coins · 4 friends joined
Ravi joined+1,000
Meena joined+1,000
Free item claimedSteel tiffin
From the counter and the queue
What people actually do with it
I applied while standing in the queue at the chemist and the limit came through before I reached the counter. Now I do the whole month's groceries on it and settle up on salary day.
The team
Who's building this
A small team with a long history in lending, payments and the kind of retail that runs on trust.
Pankaj Sharma
Founder & CEO
Fifteen years in Indian fintech before starting Udhar Card, most of it spent on lending products for customers banks tend to skip.
SK Sharma
Head of Marketing
Runs growth and brand — the shop-by-shop work of getting a card accepted on a street where cash still rules.
Er. Sonu Saini
Chief Technology Officer
Owns the architecture and the security posture: tokenisation, encryption, and an underwriting stack that answers in under a minute.
Questions
The things people ask before signing up
Still stuck? Call us on +91 99924 33121 or write to hello@udharcard.shop.
You download the app, finish KYC with your PAN and Aadhaar, and get a spending limit along with a virtual card. Spend on that card at partner shops or online, then repay the full amount before the 28-day cycle closes. Clear it in time and there's no interest — you pay back exactly what you spent.
Download the app and check your limit
Applying takes about a minute and doesn't cost anything. If the limit isn't what you hoped for, you can walk away — nothing is charged either way.
1M+ downloadsRated by shoppers and shop owners alike
Would rather talk to someone?
Our team answers in Hindi and English, seven days a week.