vCard for iPhone from Virinchi Technologies Limited

vCard is an application that lets you make payments to other UPI IDs.

This mobile credit app lets you earn rewards points that you can redeem against offers on the merchant site.

And you can transfer your credits to your UPI Id and use it for payments wherever your UPI Id is accepted. And as always, you can convert your entire credit limit to EMI with 13-20% interest for any remaining balance.

There are certain limits on how much credit you can use and the duration of the loan. But rest assured, you can easily manage your loan through the app.