App Intel

vCard – Mobile Credit Card

LiveVirinchi Android Team4 apps · 1.1M installsFinanceFreecom.virinchi.vmod

Pay by Card. Use Limit for On-Demand-Personal Loan

Alert me★ WatchOpen in Play ↗
Total installs
1,048,176
exact · Play shows 1,000,000+
Installs / day
0
since last crawl
Rating
1.9★
6.1K ratings · 4K reviews
Released
25 Jul 2018
8.2y ago
Last update
17 Mar 2026
v8.4 · 7mo ago
Countries
1/2
live · checked 2d ago

Install history

exact counter from Google Play
1M1.3M1.5M1.8M2M11 Oct12 Oct12 Oct
1M1.3M1.5M1.8M2M11 Oct12 Oct12 Oct

Installs per day · last 90 days

Not enough history yet — check back tomorrow

Change timeline

No changes recorded yet. We compare every crawl with the previous one and list title, icon, screenshots, description, version, price and availability changes here.

Country availability

Live 1Listed, not installable 0Not listed 1
India1.9
United States

Top countries

Country data will be available soon.

We estimate where downloads come from using the app’s position in Google Play’s top charts in about 140 countries. This app is not in any chart we have collected yet; the estimate appears as soon as it is.

Top chart positions

Not in any tracked top chart.

App manifest

Read this app's manifest from Google Play: permissions, declared SDKs, components and AdMob app ID. Saved analysis appears here automatically.

Manifest analysis reads only the required APK ranges. Base APK downloads may need separate device splits to install.

Data safety

declared by the developer on Google Play
  • No data shared with third parties
  • No data collected
  • Data is encrypted in transit
  • You can ask for your data to be deleted

This is the developer's own declaration, summarised from the Play listing. The permissions below show what the app is technically able to access.

Permissions

10 in 5 groups
2 Sensitive4 Notable4 Routine

What this app can do with your phone

  • See the list of accounts on your phone, like Google or email accounts
IdentitySensitive1

Access to accounts on the device and your personal profile card

  • See the list of accounts on your phone, like Google or email accountsfind accounts on the device · GET_ACCOUNTS
ContactsSensitive1

Access to the contacts saved on your phone

  • See the list of accounts on your phone, like Google or email accountsfind accounts on the device · GET_ACCOUNTS
PhoneNotable1

Access to phone calls, call history, and voicemail

  • See your phone number, device IDs, whether a call is active, and the other caller's numberread phone status and identity · READ_PHONE_STATE
Device ID & call informationNotable1

Access to your phone's identifiers, mobile network details, and call status

  • See your phone number, device IDs, whether a call is active, and the other caller's numberread phone status and identity · READ_PHONE_STATE
OtherNotable6

Access to miscellaneous device features that don't fit other categories

  • Start itself automatically as soon as your phone finishes turning onrun at startup · RECEIVE_BOOT_COMPLETED
  • Keep your phone's processor or screen from going to sleep, which can use more batteryprevent device from sleeping · WAKE_LOCK
  • Check whether you are online and whether you use Wi-Fi or mobile dataview network connections · ACCESS_NETWORK_STATE
  • Connect to the internet to load content and send datafull network access · INTERNET
  • Make your phone vibratecontrol vibration · VIBRATE
  • Receive push messages sent from the app's servers over the internetreceive data from Internet · com.google.android.c2dm.permission.RECEIVE

Sensitive = can reach personal data, location, camera/mic or act on your behalf. Notable = changes how your device behaves. Routine = normal for almost every app. Source: Google Play's permission list for all versions of this app.

Store listing

Full description
vCard is a Mobile Credit Platform. vCard partners with Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) for credit line products known as PINCAP https://www.pincap.in/our-partner . Activate Cash in Your Mobile Now vCard is your One-Stop Finance App for On-Demand credit. Use it as Credit Card, use it as cash, and use it as a Personal Loan. Instant Approval, Digital Documentation, Zero Joining Fees. Contrast to 15 day+ processes for Plastic Credit Card. Get vCard Credit Line issued by Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) known as PINCAP. ● Paperless KYC application. ● Zero processing charges and Zero Annual Fee. ● 3 - 3.5% per month roll over interest.(36% to 42% APR) ● 0 – 30 day Interest-free period depending on Credit Score and Monthly Spend. ● Up to Rs. 60,000/- credit limit. ● Pay at your convenience there are no prepayment charges. ● Option to convert the loan into monthly installments (EMI) of 3, 6, 9 months depending on the principal amount @24% and 2% conversion charges. ● Finance Charges reduce based on credit score and spend history. ● Personalized offers on Food, Shopping, Entertainment, Online Spend etc. Minimum and maximum period for repayment Tenures for EMI Minimum: 3 months Maximum: 9 months Sample calculation in case the loan is converted to an EMI: For Loan of ₹5,000 of 3 month tenure with interest rate @24% per annum One time Processing fee @2% of Principal = ₹100 Monthly payment/EMI = ₹1733.77 Amount paid back in 3 EMIs= ₹5201.31 Total interest on the 3 EMI= ₹201.31 Total interest + processing fee = ₹301.31 GST (applicable @18% on fees) : Rs 18.00 Total amount to be paid by customer i.e. principal + interest + fee + GST= ₹5319.31 AI in Credit vCard also has a First-of-its-Kind Chat-based Credit Card Support on WhatsApp or reach out to us at [email protected] Now you don’t have to spend long hours waiting to connect to customer support or listen to the monotonous flute music. Just reach out to Bot + Human support through the vCard app.

What's new

Minor Bug fixes and Performance improvement.

Growing in Finance

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