Last updated: 25 September 2026
These terms govern the Fast Finance Card issued by Birmecha Securities Pvt. Ltd. ("we", "us"), a Non-Banking Financial Company registered with the Reserve Bank of India under registration number B.05.05244, CIN U67120WB1994PTC063514. By applying for or using the card you accept them, together with the card agreement and the schedule of charges given to you at the time of issue.
The card gives you access to a revolving credit limit that we set at our sole discretion after assessing your application. The limit is not a guarantee of continued credit: we may reduce or withdraw it, with notice, where your credit profile, repayment record or regulatory requirements make that necessary.
Each card variant carries its own joining fee, yearly charge, card limit, ATM withdrawal limits, free ATM withdrawal allowance, per-withdrawal fee beyond that allowance and cash advance rate. The figures applicable to your variant are published on our cards page and restated in your card agreement. All charges are exclusive of GST, which is applied at the prevailing rate.
We may revise charges and limits. Where we do, we will give you prior notice in the manner and within the timelines required by the Reserve Bank of India. If you do not accept a revision you may close the card, subject to settling the outstanding balance.
Cash withdrawn at an ATM is a cash advance. It is charged the cash advance rate for your variant from the date of withdrawal and does not attract any interest free period. Withdrawals are subject to your variant's daily and monthly limits and to your available credit limit, whichever is lower, as well as to the limits of the ATM operator.
You may set a lower daily or monthly withdrawal limit than your variant allows, and may freeze the card, from the mobile application at any time.
We issue one statement per billing cycle showing your transactions, charges, total amount due, minimum amount due and payment due date. Purchases repaid in full by the due date attract no interest within the interest free period applicable to your variant. Amounts not repaid by the due date, and all cash advances, attract interest at the rate disclosed in your card agreement.
We may suspend or close the card where we reasonably suspect fraud or misuse, where you breach these terms, where you fail to repay, or where we are required to by law or regulation. You may close the card at any time by contacting us; the closure takes effect once the outstanding balance is settled in full.
Your liability for unauthorised electronic transactions is determined in accordance with the Reserve Bank of India's directions on customer protection, which turn principally on how promptly you report the transaction to us. Report anything suspicious immediately on 1800-102-3108.
If something goes wrong, our escalation path - from customer support to Grievance Redressal Officer and onward to the RBI Ombudsman - is set out on our grievance redressal page.
These terms are governed by the laws of India. Courts at Kolkata, West Bengal have exclusive jurisdiction over any dispute arising from them.
Birmecha Securities Pvt. Ltd.
PODDAR COURT, GATE - 4, ROOM NO - 110, 18, RABINDRA SARANI, KOLKATA, West Bengal, India - 700001
help@fastfinancecard.com ·
1800-102-3108