Buy Now, Pay Later with Udhar Card
Purchase groceries, daily essentials, and products today. Pay later with up to 28 Days Interest-Free Credit.
Credit Limit
₹5,000 – ₹5,00,000
Instant approval • Zero hidden charges
Available Balance
₹ 5,00,000 INR
Card Holder
SONU SAINI
Valid Thru
12/28
Credit Limit
₹ 50,000 INR
Get Started in 4 Easy Steps
From download to your first purchase — it takes less than 5 minutes.
Download App
Install Udhar Card from Play Store or App Store in seconds.
Quick KYC
Complete paperless KYC with PAN & Aadhaar. Instant approval.
Shop & Swipe
Get up to ₹5,00,000 credit. Shop online or at partner stores.
Pay in 28 Days
Repay within 28 days — zero interest, zero hidden charges.
Download Udhar Card App
Two powerful apps. One ecosystem. Built for buyers and sellers.
User App
Free DownloadApply, shop, pay later — everything in your pocket.
Seller App
Subscription BasedRun your store with POS, customers, and sales insights.
Everything you need, beautifully designed.
Choose the Plan That Fits Your Business
Smart credit management built for modern merchants — from simple manual ledger to hands-free voice Soundbox.
Basic Plan
Perfect for merchants who want a simple way to manage customer credit records.
Features Included:
Premium Plan
Manage your credit business faster with AI-powered voice assistance.
Features Included:
Gold Plan
The ultimate hands-free credit management solution for merchants with Soundbox.
Features Included:
Simply Speak in Your Shop, It Updates Instantly!
The UdharCard Soundbox acts as your personal digital cashier. Manage your business without touching your phone or laptop.
"Add ₹500 credit to Ram" (राम के खाते में ₹500 उधार जोड़ो)
🔊 Soundbox confirms: "राम के खाते में ₹500 उधार जोड़ दिए गए हैं।"
"How much balance is pending from Ram?" (राम का कितना बाक़ी है?)
🔊 Soundbox speaks: "राम का कुल बकाया ₹1,250 है।"
Choose the Plan That Fits Your Business
| Plan | Price | Best For | Action |
|---|---|---|---|
| 🆓Basic Plan | Free Forever | Manual credit management | Select → |
| 🎙️Premium Plan | ₹29 /Month | Voice-powered credit tracking | Select → |
| 🏆Gold Plan | ₹129 /Month | Complete hands-free management with Soundbox | Select → |
Shop Today, Pay Later
Swipe at any partner store or pay online. Get up to ₹5,00,000 instant credit with 28 days interest-free.
28 Days
Interest-Free Credit
Shop across categories
Credit Range
₹5,000 – ₹5,00,000
Refer friends. Earn rewards.
Get rewarded for spreading the word. Every successful referral earns you cash-equivalent coins and a free item.
1000
Coins per referral
1 Free
Item bonus
Share your link
Send your unique referral to friends
Friend signs up
They apply for Udhar Card
You both earn
1000 coins + 1 free item
Built for modern Indian commerce
Instant Virtual Card
Get a card the moment you're approved.
Secure Transactions
Bank-grade encryption on every payment.
Fast Approval
Decision in under 60 seconds.
Digital Wallet
Manage credits, coins, and rewards in one place.
POS Integration
Accept at thousands of partner stores.
Real-Time Tracking
Track spending and dues instantly.
The Mind Behind Udhar Card
"Our goal is simple: to make credit accessible, interest-free, and stress-free for every Indian shopper and seller. Udhar Card is built to empower the backbone of our economy."
Pankaj Sharma is a visionary entrepreneur with over 15 years of experience in fintech and digital payments. His mission is to democratize credit for millions of small business owners and consumers across India by providing simple, transparent, and interest-free buy-now-pay-later solutions.
Core Pillars of our Vision
15+ Years Fintech
Leading and innovating digital payment systems in India.
1M+ Retailers
Empowering micro-merchants with modern financial toolkits.
100% RBI Compliant
Committed to absolute security, trust, and transparency.
Meet Our Core Leaders
"Connecting millions of Indian shoppers with smart credit is a marketing challenge we embrace every day. We build trust first."
SK Sharma leads the marketing strategy at Udhar Card, bringing over a decade of experience in growth hacking, brand building, and scaling user acquisition for consumer tech brands across India.
Core Responsibilities
Brand Strategy
Building trust and identity for India's premium credit card.
Growth Hacking
Scaling acquisition to empower millions of users.
Market Research
Aligning product features with local consumer needs.
"We write code that powers the daily transactions of micro-merchants and buyers, making speed, reliability, and security our highest priorities."
Er. Sonu Saini is a technology leader who architects Udhar Card's robust, secure, and scalable financial systems, ensuring seamless BNPL transactions and state-of-the-art data encryption.
Tech Innovations
System Architecture
Designing scalable cloud services for instant processing.
High Security
Implementing bank-grade encryption and safety standards.
Seamless UX
Optimizing mobile interfaces for lightning fast execution.
Real stories from real users
"Got approved in 40 seconds. I use it for monthly groceries — paying after 28 days is a game changer."
Priya Sharma
Customer, Delhi
"The seller app made my POS billing 10x easier. Customer credit has boosted my repeat sales."
Rajesh Kumar
Seller, Jaipur
"The virtual card works everywhere. Referral rewards added up fast — earned ₹3000 last month."
Anita Verma
Customer, Pune
"Udhar Card transformed my Kirana store. Customer credit option increased my sales by 40% in just 2 months!"
Mohammed Ali
Seller, Hyderabad