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StashFin™ Silver Visa Card
StashFin™ Silver Visa Card
Fees
Pros/Cons
Joining Perk
Eligibility
USP
Lifetime free card with unlimited cash withdrawals across all ATMs
StashFin™ Silver Visa Card

StashFin™ Silver Visa Card

Pay only for what you use – and break larger payments into smaller EMI's
₹0
Joining Fee

Available in 23 cities
Min Income - 15K/month
Fees
Pros/Cons
Joining Perk
Eligibility

Fees

₹0
Joining Fee
₹0
Annual Fee

Other Fee Benefits

  • Pay only for what you use – and break larger payments into smaller EMI's
  • Card Limits from ₹10,000 to ₹3,00,000 for 2 to 24 months
  • Super fast approvals – StashFin™ typically approves loans within 24 hours or earlier. They would need your documents over email for them to take the decision.
  • Pay only for what you use – interest will be charged only on the amount swiped or the cash withdrawn
  • No Cash withdrawl charges ever
  • Interest rates are almost 50% lesser than credit cards – and since you pay interest only on the amount used, the StashFin™ Silver Visa Card is a must in case of emergencies
  • There are no charges/limits on the amount or number of transactions

Chqbook Review

StashFin™ Silver Visa Card is a lifetime free credit facility card with zero joining and annual membership fees, exclusively for Chqbook users. It is much more than a credit card. For the first time in India, you can withdraw the complete amount of the approved credit limit as cash from any ATM. The StashFin™ Silver Visa Card can also be used to make online purchases and can be swiped at all merchant stores. Cash can be withdrawn from all ATMs across the country, 24 hrs and 365 days a year. Every draw down from credit limit is converted to easy EMIs, hence there is no burden to repay complete amount in one go. Interest is charged only on the amount utilised and not on the entire credit limit. The best part is that interest rates are almost 50% cheaper as compared other credit cards

  PROS

  • This is the best card to have in case of emergencies
  • You can convert your purchases on the card into EMI's – making payments easier in case of large purchases
  • StashFin notifications help you to always stay on track with repayments – never miss another payment, protecting and improving your credit score
  • Cardholders have the flexibility to choose the tenure for repaying the credit line utilized
  • Card can blocked/unblocked instantly from the StashFin™ App. There is no need to call the customer care center in case you lose the card
  • Card PIN can be regenerated instantly from the StashFin™ App
  • Instant transaction notification and real time access to transactions history
  • Lowest interest rates for repayment as compared to other credit cards – we love that interest rates start at 11.99% and are substantially lower than credit cards

  CONS

  • The StashFin™ Silver Visa Card is not a Credit Card but a limit approved and given to you on a Visa Card issued by StashFin™ – this should not matter since the rates are super low and the benefits are more than of a credit card
  • Since the StashFin™ Silver Visa Card is not a credit card, you dont have reward points or other perks like travel benefits etc. coming to you

Joining Perks

  • Download the StashFin™ mobile app to get instant alerts, convert your transactions to EMI's and pay dues
  • Low processing fee – If a customer takes a loan of ₹10,000 for a period of 3 months, at an annual interest rate of 11.99% APR, then the customer will pay an EMI for 3 months of ₹3,468 per month.Total payment over 3 months will be only ₹10,403 (including principle and Interest).
  • No Preclosure fees ever – close your card limit anytime you want
  • In case of any issues, experience world class customer service from StashFin™ – have any issues resolved in minutes

Eligibility

  • 21 years and above
  • Personal salary should be above ₹15000 per month and salary should be remitted via cheque/bank transfer
  • Should have access to Internet Banking
  • StashFin Silver Visa Card is available currently in Mumbai, Delhi NCR, Bengaluru, Pune, Hyderabad, Indore, Bhiwandi and Pithampur.

Documents Required

  • PAN Card and Aadhaar Card
  • Proof of Address
  • Cancelled cheque of the Salary Bank Account
  • Once your loan is approved through Chqbook's Instant Approval process, StashFin™ can be sent KYC and other documents through email.

Rewards

  • The StashFin™ Silver Visa Card does not have a rewards program

Reason: