Your Credit Line, Your Rules
CredVantage gives you a revolving credit limit from ₹1,000 to ₹50,000. Borrow what you need, pay only for what you use, and reuse your limit — all with complete fee transparency.
₹50K
Max Credit Limit
18.25%
Max Annual Rate (APR)
365
Days Max Usage Period
0%
Fee on Unused Credit
Core Features
Everything Your Credit Needs
Professional credit line tools designed for Indian users — flexible, transparent, and fully digital.
Revolving Credit Line
Access a flexible credit limit up to ₹50,000. Draw funds anytime, repay, and reuse — the limit automatically refreshes as you repay.
Transparent Fee Structure
Daily rate up to 0.05% applied only on the amount used. No hidden charges, no fees on unused credit. See every cost before you confirm.
Digital Account Review
Complete onboarding, KYC verification, and identity review fully digitally. No branch visits, no paperwork. Apply from your phone.
Pay Only for Usage
Interest and service fees apply only to the amount actively in use. If your assigned limit sits idle, there is absolutely no charge.
Process
How CredVantage Works
From application to flexible credit access — a simple four-step journey.
Apply & Verify
Register with your mobile number, complete KYC with a government-issued ID, and pass our digital eligibility review in minutes.
Get Your Credit Line
Receive an assigned revolving credit limit between ₹1,000 and ₹50,000 based on your profile and eligibility results.
Draw Funds Anytime
Choose any amount within your available limit. Review all applicable costs transparently before confirming any draw.
Repay & Reuse
Repay within the usage period. Your limit refreshes automatically — borrow again whenever you need without reapplying.
Transparency
Know Your Costs Before You Borrow
Every charge is displayed clearly before you confirm usage. Fees apply only to the amount you use, for the exact number of days you use it.
- Credit range: ₹1,000 – ₹50,000
- Daily usage rate: up to 0.05% per day
- Maximum APR: up to 18.25%
- Service fee: up to 1% of used amount
- Zero charge on unused credit
Charge Illustration
For explanation only — actual amounts may vary
Eligibility
Who Can Use CredVantage?
We serve eligible adult Indian residents who meet our straightforward verification requirements.
18+ Years Old
Must be a major under the Indian Contract Act, 1872.
Indian Resident
Credit applications must originate from Indian territories.
Valid Government ID
Hold a valid government-issued identification document for KYC.
Pass Verification
Complete the required digital verification and account review.
Ready to Access Your Credit Line?
Join users across India who trust CredVantage for flexible, transparent revolving credit. Fully digital, RBI compliant, and designed for your needs.