Question 1

Who can apply for Zero Card?

Accepted Answer

Any Indian citizen above 18 with valid PAN and Aadhaar. Minimum monthly income ₹15,000. Both salaried and self-employed accepted.

Question 2

How long does approval take?

Accepted Answer

Under 2 minutes for most users. Our AI scoring system gives instant decisions. Manual review cases resolved within 24 hours.

Question 3

Can I apply without a credit history?

Accepted Answer

Yes. We evaluate income, employment, and banking behaviour for first-time credit users.

Question 4

Can I apply if I have another card?

Accepted Answer

Absolutely. We perform a standard credit check as part of the process.

Question 5

Is there an annual fee?

Accepted Answer

Zero annual fee, zero renewal fee, zero maintenance fee — forever. You only complete a one-time activation step to get your Platinum card.

Question 6

What is the interest rate?

Accepted Answer

2.5% per month (30% per annum) on outstanding balance. We recommend auto-pay to avoid interest completely.

Question 7

Is there a late payment fee?

Accepted Answer

₹500 if minimum due is not paid by due date. Set up auto-pay to never pay this.

Question 8

Are there cash advance fees?

Accepted Answer

2.5% of amount withdrawn (min ₹500). Interest applies from withdrawal date.

Question 9

How does cashback work?

Accepted Answer

Cashback is credited to your account within 5 working days of each billing cycle. It automatically reduces your outstanding balance.

Question 10

Does cashback expire?

Accepted Answer

Never. Cashback stays in your account until you use it. No expiry, no minimum redemption.

Question 11

Any excluded categories?

Accepted Answer

Fuel cashback capped at ₹200/month. All other categories — groceries, dining, travel, online shopping — earn full cashback.

Question 12

Can I earn cashback on EMI?

Accepted Answer

Yes! Cashback is earned on the original transaction amount even if converted to EMI.

Question 13

Is my data safe?

Accepted Answer

AES-256 encryption at rest, TLS 1.3 in transit. PCI-DSS Level 1 compliant. CVV never stored on our servers. DPDPA 2023 compliant.

Question 14

What if I spot fraud?

Accepted Answer

Report immediately via app or helpline. Zero liability within 7 days of reporting. Our fraud team works 24×7.

Question 15

Is 2-factor authentication required?

Accepted Answer

Yes. All transactions require OTP. App uses biometric authentication (Face ID / fingerprint).

Question 16

How do I block my card?

Accepted Answer

Instantly from the Zero Card app under Card Controls → Block Card. Replacement dispatched within 3 working days.

Question 17

Can I set spending limits?

Accepted Answer

Yes — daily limits, category-level caps, international transaction controls. All from the app.

Question 18

How do I increase my limit?

Accepted Answer

After 3 months of responsible usage, request from the app. Processed within 48 hours.

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