Digital EMI Card is our attempt to bridge the gap in the finance market and offer hassle free, user friendly credit to our customers with zero waiting time. With the pre-approved credit limit, customers can shop at over 3000+ offline outlets, 50+ online stores and also take cash loan to tide over emergency instantly at extremely low interest rates. With SiCreva EMI Card, customers do not need to wait till the pay day for shopping or worry about how they will meet emergency expenses.

Eligibility and required documents:

  • Customer age should be between 21* and 60 years of age
  • Regular source of income.
  • Aadhar card and PAN card.
  • One cheque
  • One passport size photograph


Digital EMI Card Fee: At the time of applying for Digital EMI card, Customer has to pay Rs 235 (Rs.199 (Procession Fee)+18% GST). Processing fee amount would be refunded if Card is not approved by us or Customer avail any loan from us.


How to apply for Digital EMI card?

  • Download & login to the Kissht app OR login to
  • Select “Activate Digital EMI Card”
  • Fill basic information
  • Pay Processing fee (100% refundable if card not approved by us or if cancelled by you before approval) Upload soft copy of minimum required documents
  • Our credit team will verify your documents and approve your card & wallet amount accordingly
  • A Wallet amount is assigned to your card and your card is ready for use


Digital EMI Card is suitable for?

If you are looking to purchase a product at a later stage or a future date (example: On anniversary or birthday) but wish to get it pre-approved right now, then you should simply apply for Digital EMI Card.

Digital EMI Card enables you to get a pre-approved wallet amount for yourself and use the same in future to apply for product loan or cash loan depending on your requirement. The wallet amount assigned on your card will be the limit within which you can apply for loans with SiCreva


Where can you use your Digital EMI card?

Online Product Loan:

Once you get a assigned limit on your card, you can go ahead & use the “Start Shopping” option in Kissht app to select from a wide range of products from the various available online merchants.

Personal Loan:

You can also use the card limit to avail cash loan by clicking on “Get Instant cash” option after login to Kissht App or Offline Product Loan:

You can walk-in to any Kissht enabled offline outlets and buy the product of your choice using the limit available on your Digital EMI card. You just need to inform the store merchant that you have a pre-approved Digital EMI Card so that dealer can do the needful accordingly


How to use the Digital EMI card:

Once you select a product or Instant cash loan online, our customer service team will get in touch with you to get your loan approved and will also call you to fix a quick appointment with you wherein an executive visits your home address or office address to collect your signatures on ECS form and 1 post-paid cheque for the first EMI amount.

After our appointment is completed, our credit team gives final approval for your loan at the earliest and the disbursal of loan is initiated within 24 hrs.


Why do you need to pay Rs.235 EMI card amount?

You has to pay Rs 235 (Rs.199 (Procession Fee)+18% GST) for verification of your basic information/documents and for getting the same approved by our credit team.

While we charge you Rs.235 initially, the amount is refundable to you once you avail loan from us. After approval of your 1st loan, you can claim refund of Rs.199 paid by you for approval of your Digital EMI Card. To claim refund feels free to get in touch with our customer service desk at 022-30148571 or write to us at You can also use the LiveChat option inside Kissht app & Website for same.