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  • EarlySalary Card

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    EarlySalary launched SalaryCard, a new type of credit line exclusively designed for salaried employees. Eligible individuals can apply for the card through the EarlySalary mobile app. From document verification to approval, everything takes place on the app, enabling a hassle-free processing to the users.

    Once the card is approved, a digital version will be generated on the app and can be used instantly for all online transactions. For in-store transactions, a physical card is required which will be provided on cardholder's request.

    The total credit limit available on the SalaryCard varies for each customer and is mainly dependant on the income to expense ratio of the individual. Each category will have a different dynamic credit limit and repayment tenure.

    With a SalaryCard, users can enjoy more credit limit, flexible tenures and hassle-free processing. The card offers most of the privileges provided by a credit card without any joining fee or annual fee.

    Key Features of SalaryCard

    • The card allows you to pay your transaction amount on or before 1st EMI at zero-interest
    • The card allows you to choose the tenure for EMIs with zero-processing fee
    • This card does not impact your credit utilisation rate and helps you improve your credit score
    • This card has zero joining fees, annual fees, subscription fees, renewal fees and zero EMI conversion fees.

    How to Apply for the SalaryCard?

    The entire application and approval process of the SalaryCard is through the EarlySalary mobile app. If you wish to apply for the card, you need to download the app and follow the steps below.

    • Open EarlySalary app and click on ‘SalaryCard’ tab.
    • Fill all the required fields with your personal, professional, and residential information.
    • Complete all the KYC related procedures including the uploading of the documents after which a One-Time Password (OTP) will be sent to your registered mobile number.
    • The final process will be to set up a passcode to get your SalaryCard activated.

    Once your request is received, the team will review your application and provide you with the credit limit for your SalaryCard.

    Difference between a SalaryCard and a Credit Card

    There are certain aspects on which the SalaryCard is considered to better than a credit card. We will list down the reasons why availing a SalaryCard can be a better option:

    Category SalaryCard Credit Card
    EMI options You can choose your tenure where no processing fee is charged for converting your spends into EMI You will be charged a fee on converting your spends into EMI
    Conversion of amount into EMIs Convert any transaction exceeding Rs.500 into EMIs Only transactions exceeding Rs.3,000 can be converted into EMIs
    GST charged No GST on SalaryCard EMI GST charged on the interest of EMI transactions
    Approval time The virtual card will be provided within minutes It will take up to 14 days to get your card
    Rate of interest Option to clear your entire transaction amount on or before 1st EMI with zero interest charged Significantly higher interest rates.
    Impact on credit score Using 100% of the limit & repaying on time boosts your credit score Using more than 30% of your credit card limit impacts your score negatively

    How To Repay The Amount Used On My Salarycard?

    You will receive your SalaryCard monthly statement directly to your registered e-mail. The total outstanding, which varies from each category, along with the due date, transaction details, and other details will be mentioned in the statement. Make sure you make the payment before the due date.

    Follow these steps to repay your SalaryCard outstanding due

    • Open the EasySalary app
    • Login using your passcode
    • Click on Repay option
    • Select Loan>Repayment

    Your outstanding will be displayed along with the payment options. Choose one and complete the transaction. You will receive a message once your payment is credited to the account.

    How to Block Earlysalary Card

    Yes, you can block your SalaryCard using EarlySalary app or website, or by calling EarlySalary customer care on the number 020-67639797 or by sending a mail to the email ID requesting your card to be blocked. You can also send your request for the card to be blocked by sending a mail via post to the address given below:


    Office no. 404, The Chambers, (Samrat Chowk)

    Clover Park, Near Ganpati Chowk,

    Viman Nagar, Pune,

    Maharashtra 411014.

    Before blocking the card, do note that blocking SalaryCard is permanent and it cannot be reversed. Hence, its only recommended if your physical card is misplaced/lost or stolen. Once you block your card, you wont be able to do any transactions on your card nor will you be able to unblock the card.

    FAQs on EarlySalary Card

    1. My SalaryCard transaction at the POS got declined? What could be the reason?

      There are a few instances during which the POS transactions using your SalaryCard may get declined -

      - When the transaction value is lower than the prescribed amount.

      - When the transaction amount is more than the available credit limit on that category

      - When the transaction is towards gambling or casinos

    2. What are the KYC documents required during the application process?

      To complete the KYC, you need to submit self-attested copies of Aadhaar Card and PAN Card or any other similar proof of address along with a passport size photograph of the applicant.

    3. Are there any reward points offered on the SalaryCard?

      Currently, there are no reward points offered on SalaryCard. The only reward you can expect for now is that the more you use your card, the higher would be the probability of increasing the credit limit.

    4. What are the eligibility criteria to avail yourself of the SalaryCard?

      You must be aged 21 years and above and a citizen of India. You must be a salaried individual who draws a salary between Rs.15,000 and Rs.18,000 per month.

    5. Why is my credit limit lower as compared to my friend?

      On applying for a SalaryCard, your Social Worth Score is taken into account along with various other factors such as your age, salary, the city in which you reside, etc. based on which your credit limit is decided by the company.

    6. I am a 45-year-old individual. Can I apply for a SalaryCard?

      Yes, you can apply for a SalaryCard as you meet the eligible age.


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