GalaxyCard is a free mobile-based instant use credit card that allows users to get a credit limit of up to Rs 25,000 in just three minutes. The application process is simple and requires basic KYC documents such as Aadhar and PAN. Once approved, the credit limit is instantly displayed on the screen, and the credit card is activated. GalaxyCard is not a personal loan app, but a credit card that provides interest-free money for up to 45 days.

GalaxyCard provides a seamless shopping experience with its Buy Now, Pay Later policy. It allows users to pay easily on the app and remove any stress about disturbing their credit score. The app works with all QR codes from all major wallets like PayTM and BharatQR, and users can choose a store from a list of nearby stores that will automatically appear based on their location. The credit card dues can be paid from within the app using UPI/NEFT. GalaxyCard has zero joining fee and zero annual fees, making it better than all other bank credit cards.