Payinstacard

Payinstacard

About this app

Payinstacard is your trusted platform for Mobile Recharge, Gift Cards, LIC & NPS Services, Personal Loan Facilitation, Tuition Fee Payments, Credit Score Tracking, and more.

Whether you're recharging your mobile, purchasing gift cards, paying tuition fees, checking your credit score, or exploring personal loan offers, Payinstacard provides a secure, fast, and seamless digital experience.

Access All-in-One Financial Services with Payinstacard!

> Prepaid Mobile Recharge
> Gift Card Purchase
> Personal Loan Facilitation
> LIC Premium & NPS Services
> Tuition Fee Payments
> Track Your Credit Score
> More Digital Financial Services

🚀 Coming Soon

> Wallet
> Co-Branded PPI Card
> BBPS Bill Payment Services

1. Personal Loan Facilitation*

Looking for a quick and hassle-free personal loan? Payinstacard helps you discover and apply for personal loans offered by our RBI-regulated lending partners through a completely digital process.

What makes us better?

1.Loan Amount: ₹5,000 – ₹15,00,000
2.Flexible Tenure: 3 – 60 Months
3.Interest Rates Starting From 10.99% p.a.*
4.Annual Percentage Rate (APR): Up to 34%*
5.100% Paperless Process
6.Fast Digital Application


*Payinstacard acts solely as a financial services facilitator and is not a lender, Bank, or NBFC, Personal loans are approved and disbursed solely by Payinstacard's lending partners.

2. Prepaid Mobile Recharge
Recharge your prepaid mobile connection instantly across major telecom operators.

> Airtel
> Jio
> Vi
> BSNL

Fast, secure, and hassle-free recharges.


3. Gift Card Purchase

Buy digital gift cards from leading brands for shopping, entertainment, food, travel, gaming, and more.

> Instant Delivery
> Secure Payments
> Multiple Brand Options

4. LIC NPS Services

Manage your retirement contributions.
National Pension System (NPS) Contributions


5. Tuition Fee Payments

Pay educational fees securely from anywhere.

> Tuition Fees Payment

6. Track Your Credit Score

Monitor your credit health anytime.
Check Your Credit Score
Improve Financial Planning

*Our Lending Partners

Payinstacard facilitates personal loan applications through RBI-regulated lending partners, including:

> InCred Finance
> Poonawalla Fincorp Ltd
> Bajaj Finserv
> Lendingkart Finance
> Cashvia

Example of How a Personal Loan Works


✅ Loan Amount: ₹2,00,000
✅ Tenure: 24 Months
✅ Interest Rate: 18% p.a.
✅ Processing Fee (incl. GST): ₹1,180 (₹1,000 + ₹180 GST)
✅ Monthly EMI: ₹9,985
✅ Total Interest Payable: ₹39,636
✅ Annual Percentage Rate (APR): 28%*
✅ Disbursed Amount: ₹1,98,820
✅ Total Amount Payable: ₹2,39,636
✅ Total Cost of the Loan: ₹40,816 (Interest + Processing Fee including GST)


Note: The above illustration is for representation purposes only. The final loan amount, interest rate, APR, processing fee, tenure, and approval are determined solely by Payinstacard's lending partner based on the applicant's credit assessment and applicable lending policies.

*Responsible Lending

Payinstacard acts solely as a financial services facilitator and is not a lender, Bank, or Non-Banking Financial Company (NBFC).

Personal loans available through the Payinstacard platform are offered and disbursed exclusively by RBI-regulated Banks and/or NBFC lending partners. Loan approval, eligibility, interest rates, repayment terms, disbursement, and all lending decisions are made solely by the respective lending partner.

Payinstacard does not guarantee loan approval and does not influence the lending partner's credit assessment or lending decisions.

Contact Us

Email: [e-mail]
We're here to assist you with your queries and feedback.

What’s new

• Find personal loan offers in seconds.
• Apply online through our trusted lending partners with a 100% paperless process.
• Faster, simpler, and more secure loan experience.
• General performance improvements and bug fixes.