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Aspire Pay Later > Credit Card (Early Access)

 Aspire is like a digital credit card app that works over UPI (anywhere that Google Pay, PhonePe or Paytm work).



Aspire is for you if you use these apps and do not have a credit card!

**** We check bureau (like CIBIL) and don't approve if you are overdue on other loans. But if you have never taken any loan or credit card, Aspire is for you! ****

Available in Gujarat, Maharashtra, Karnataka, Telangana, Tamil Nadu and Andhra Pradesh.





Get a Credit Card instantly

⭐ EASY TO APPLY
Instant approval and activation
100% online process, takes ~ 5 mins
No documents needed
No application fees

⭐ HOW TO APPLY
Install Aspire App
Fill PAN and basic details
Complete KYC with selfie and Aadhaar
Setup repayment and start shopping!




⭐ BENEFITS
Build a credit score and enjoy financial independence
Get credit limit increases for your line of credit with timely repayments
No interest!
No processing fee
No pre-payment penalty
No security deposit (collateral)
Simple monthly fee only when you use Aspire or have balance
Coming soon: Rewards and discounts on select purchases

⭐ WHAT YOU GET
Pay later for purchases in EMI, anywhere
Use at any small shop, market, mall, hospital, Amazon, Flipkart, everywhere!
Fixed monthly fee – pay fee only in the months that you use Aspire or have previous outstanding balances in.
No Use, No Balance, No Fee!!

⭐ WHERE CAN ASPIRE BE USED
As travel EMIs, shopping credit or shopping EMI, hospital credit or hospital EMI, dental EMI, supermarket credit or also as a grocery credit card

⭐ HOW TO USE ASPIRE FOR MAKING PURCHASES
Get instant credit on registration to pay in EMI or pay in installments
Scan and Pay any UPI QR code with the Aspire app to buy now pay, pay later

⭐ WHO IS ASPIRE FOR
You use UPI (Google Pay, Phone Pe, Paytm). You want a credit card!
You are not overdue on loans.

⭐ EASY REPAYMENT
All spends are split into 4 EMI
Monthly billing with bill generated on 1st of each month
Due date on 8th of each month

⭐ EXAMPLE OF HOW ASPIRE CHARGES
Your credit limit is ₹5,000/-
Your monthly fee is ₹150 + ₹27 (GST) = ₹177 per month
1st transaction: You spend ₹4,000/- on Dec 4
Your 4 EMIs (₹1,000/-) will be due on Jan 8, Feb 8, Mar 8, Apr 8
2nd transaction: You spend ₹400/- on Dec 31
Your 4 EMIs (₹100/-) will be due on Jan 8, Feb 8, Mar 8, Apr 8
Jan 1st bill: EMI from 1st transaction = ₹1,000/-
EMI from 2nd transaction = ₹100/-
Monthly charges = ₹177/-
Amount due on Jan 8 = ₹1000 + ₹100 + ₹177 = ₹1,277/-

⭐ ELIGIBILITY CRITERIA
You must be 21 years old and an Indian resident
Be a user of any UPI app – BHIM, Google Pay, Phone Pe, Paytm, any UPI app
PAN number and Aadhaar number (phone should be linked on Aadhaar)

⭐ SECURITY & PROTECTION OF PRIVACY
We require the following data permissions:

1. Location
We collect and monitor the information about the location of your device to provide serviceability of your loan application and help verify your address

2. Financial SMS
We collect and monitor your financial transactional SMS about bank related transactions, the names of the transacting parties, a description of the transaction and the amount of the transaction for the purpose of performing credit risk assessment. No personal SMS data is collected, read or stored

3. Phone
Our app collects and monitors device information (e.g. hardware model, build model, RAM, storage; IMEI, serial number, SSAID, SIM, etc.) to prevent frauds and assess credit risk

4. Installed applications
We collect application metadata information (e.g. application name, package name, installed time, updated time, version name and version code. etc) to assess your creditworthiness

5. User Personal Information
We take public profile information from social media to and mobile number for verification to prevent frauds and unauthorized access

6. Camera
We require camera access for you to take a selfie.

7. Storage
We require storage permission to access your KYC in a secure manner
rating/5
platform/android

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