Credit Card

A credit card is a beneficial way to pay for your lifestyle expenses without any hassle. Besides, you can pay for your big purchases in easy equated monthly installments. And lots of reward points, cash backs, Airmiles, exciting deals, and best offers not only save money but make your expenses rewarding.


Latest Credit Card Launch

Benefits of Credit Card

Apart from the EMI facility, your credit card can have multiple benefits to make your transactions simplified.

  • Redeemable reward points make frequent shopping and paying utility bills less costly.
  • Cashbacks helps to save money.
  • Airmiles save money on flight bookings and provides premium lounge access, extra baggage allowance, etc.
  • Co-branded credit cards offer exciting deals and discounts.
  • Proper usage of credit cards can build your credit score strong.

Compare Credit Card

We understand choosing the right credit card is a complicated task. So we have built this tool to compare our credit card offerings.


Annual fees

6 Club vistara points for every Rs 200 spent

Reward points

Suited for

Joining fees


Annual fees

4 Club Vistara Points for every Rs. 200 spent

Reward points

Suited for

Joining fees


Annual fees

2 Points per 200 spent

Reward points

Suited for

Joining fees

Frequently Asked Questions

You can simply visit the official web page of Roopya and fill in the form. A representative will verify your information, and your loan will be credited to your account within the lowest time frame which can be as low as 10 seconds.
To avail a credit card, the documents you need to provide are:
  • Aadhar card/ Voter Id Card (To verify your name, address proof and nationality)
  • Bank Account Details (To transfer the funds)
  • Proof of Your Earnings (To prove that you have a certain earning and capable of repaying the loan.)
If you want a top up on your existing credit card, and have been paying your EMI regularly, then we are always ready to help you with a top up, even though you have an existing one.
As the name suggests itself, a credit card is something you can avail to meet any of your personal needs. Some of the key features of credit card are:
  • Fast Transfer of Funds
  • Minimum Documentation Required
  • Flexible Loan Amount and EMI
  • Flexible Usage
You can repay your credit card at your convenience. The only thing you have to do is to select the method you want to choose, to repay your loan. Some of the methods available to repay your EMI as of now are: Automatic Payment – You can set up auto-pay through Internet banking, and the amount will be debited from your account on the mentioned day. Manual Online Transfer – You can transfer your funds online by yourself to repay your EMI as well. Cheques – You can also use post-dated cheques or drafts to repay your EMI if that’s convenient for you. Standing Instructions – You can instruct your bank to make the payment for your EMI on your behalf on a particular date. Please note that repayment options vary from organization to organization. Hence, it's best to verify the repayment options while availing of your personal loan.
You can easily know your EMI amount from the Credit Card EMI Calculator designed by us. Just enter your loan amount, preferred tenure of the loan, and the interest rate, and the calculator will display your EMI rate.
To be eligible for a credit card you have to meet 3 major criteria. Once you meet them, availing a personal loan is no big deal. The 3 criteria that you must meet to be eligible for a personal loan are:
You have to Above 21 Years of Age while applying for the Loan.
You must have a minimum of income of Rs. 15000/month.
To prove your employment stability you must have worked at least for 2 years in your current profession, be it business or service (including at least 1 year of service in the current organization, if employed.)
Once your credit card is approved and you have signed the loan application, you can choose 2 options to get your funds transferred.
Online Transfer – The amount will be directly sent to your bank account
Payee Cheque – We will send an account payee cheque to your address by post which you can en cash later.
Please note that sending the cheque by post is completely safe and we ensure that they reach to you safely.
This is a special category of credit card, which a bank offers only when you have an account on that bank for a particular amount of time. The bank decided the loan amount (non-negotiable), which they can pay to you, and the process requires minimum to no documentation as well, since the bank has all your information already. The availing time of a pre-approved credit card can be as fast as 10 seconds only.

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