It is a revolving line of credit issued by Birmecha Securities Pvt. Ltd., an RBI registered NBFC. You can spend your approved limit online, swipe it in store, or withdraw it as cash at an ATM, and you repay on your monthly statement date.
A debit card spends money you already hold. This card spends a credit limit we extend to you, which you repay later. That is also why cash withdrawn here is a cash advance and carries interest, where an ATM withdrawal on a debit card does not.
There are 5, each with its own yearly charge, card limit, withdrawal limits and ATM allowance. They are compared side by side on the cards page.
Yes. A virtual card is issued the moment you are approved so you can pay online immediately, and the physical card is posted to your registered address.
Yearly charges start at ₹499 and depend on the variant you hold. Some variants also carry a one-time joining fee. Every figure is listed on the cards page and is exclusive of GST.
No. The yearly charge, joining fee, ATM fee beyond the free count and the cash advance rate are all published before you apply, and they are the same numbers printed on your card agreement. GST is added at the prevailing rate.
No. Every amount on this site is exclusive of GST, which is applied at the rate in force when the charge is raised.
Birmecha Securities Pvt. Ltd. may revise charges and limits, but only with prior notice to you, as the Reserve Bank of India requires. You are free to close the card if you do not accept a revision.
Up to ₹75,000 a day on our highest variant, subject to your monthly cap and your available card limit. Each variant has its own daily and monthly limits, listed on the cards page.
Any ATM in India that accepts the card network. Set your four digit PIN in the Finotive app before your first withdrawal.
Each variant includes a number of free ATM withdrawals per month. Beyond that a flat per-withdrawal fee applies. Separately, all ATM cash carries the cash advance rate from the day of withdrawal - there is no interest free period on cash.
Yes. You can set a lower daily or monthly cap than your variant allows, and freeze the card entirely, from the app at any time. You cannot raise it above your variant limit.
Indian residents aged 21 to 60, with a valid PAN, an Aadhaar-linked mobile number, a verifiable source of income and a bank account in their own name.
Eligibility is checked instantly in the app. Most complete applications get a decision the same day; some need extra verification and take a little longer.
It depends on your variant and runs up to the number of days listed for it on the cards page. It applies to purchases repaid in full by the due date. It never applies to ATM cash advances.
Freeze it immediately in the app, then call us on 1800-102-3108 so we can block it and issue a replacement. Freezing is instant and reversible.
Call 1800-102-3108 or email help@fastfinancecard.com. For a complaint, see grievance redressal.