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1. Simply visit www.zolve.com. 2. Register for a Zolve Account 3. Upload necessary documents and you're set. It’s that easy and takes less than 5 minutes!

Yes! We believe in security first. Your account is FDIC covered for a sum of $250,000.

It's 0% APR for the first 15 months*

*After 15 months APR will be 14.99% (variable with prime rate as follows: 11.74% + WSJ Prime Rate)

Example: If the minimum due is $100 and the total due is $1000. You must pay at least the minimum due of $100 to avoid late payment charges. However, no interest will be collected on the outstanding amount of $900 for 15 months. Do note, making only minimum payments, even during the 0% APR promotional period, may impact your credit score and hence it is advisable to make full payments on your credit card bill.

Please note that after 15 months (or the 0% APR promotional period as amended) you will be charged an APR on the total outstanding amount.

Well, we have the biggest heart.

Student referrals earlier to 18th November 2021 will get $15 on credit card activation.

For all referrals made between 18 November 2021 to 28 Feb 2022, you and the Referred Person will get $50 on successful referral.

For all referrals made from 1st March, 2022, where the Referred Person is a working professional, you and the referred person will be eligible for a $15.

Isn't that a super sweet deal?

How thoughtful! You can refer a friend by visiting: zolve.com/refer-a-friend

Your referral rewards will be credited after the referred people make their first successful Credit Card transaction.

The amount will be added to your Reward section, and you can redeem it later for cash or the Credit Card bill payment.

You will receive a physical Zolve card within 5-7 working days once you land in the U.S. and update your correspondence address.

You can start using and spending with your Zolve Credit Card only after you land and activate your Zolve Account in the U.S.

However, you can add funds to your account from both your home country and the U.S. We recommend you do it from your home country so that you can start transacting the moment you land in the U.S.

There are no minimum balance requirements for Zolve accounts.

No, you can use it to load funds and checkout cashback offers and rewards. Once you land, you can start paying merchants, loading more funds, swiping the credit card, and earning cashback.

1. Click 'Bank' on the home screen

2. Go to 'My Cards' (on the top)

3. Select Credit Card

4. Click Pay Now

Choose to pay from the linked accounts or link an account

To link an account:

5. Select Link an account, then choose between Zolve Direct or Zolve Micro

Zolve Direct:

• Login to your Profile

• Click 'Bank' on the home screen

• Go to 'My Account' (on the top)

• Select Add Money

• Choose Zolve Direct

• Enter External Account Credentials

• Initiate Transaction (Payment is Instant)

Zolve Micro:

• Login to your Profile

• Click 'Bank' on the home screen

• Go to 'My Account' (on the top)

• Select Add Money

• Choose Zolve Micro

• Enter External Account Credentials

• Verify your details

• Initiate Transaction (Payment Settlement may take upto 48 hours)"

There are 0 transaction fees from Zolve for adding funds to your U.S. Account. Add away!

Yes, you can. You will definitely have the option to increase your credit limit once you’re in the U.S.

Yes, of course. There are credit cards and then there is the Zolve Credit Card. You get up to 10% cashback on transactions along with offers on 10k+ merchants across categories and awesome brands.

100%! You can sign up with Zolve even before the Visa arrives. Simply upload your passport and you're in. Nothing better than prepping well in advance. Kudos!

There are no transaction fees on using your Zolve Debit Card. Withdrawing cash from any of our 65,000 partner ATMs across the country will attract 0 fees! If you have to withdraw from any non-partner network ATMs, you will be charged $2.5 per withdrawal.

Yes, the Zolve app is available on both: App Store and Play Store.

Yes, we do. We take into consideration your Indian credit score to appropriate a credit limit in the U.S. However, even without a credit history, depending on your documents, Zolve is known to provide a higher credit limit than most players in the market. Do check!

The billing cycle starts on the 15th of every month and ends on the 15th of the next month (i.e. 15th to 15th). 10th of the next month is the due date to pay your Credit Card dues.

Getting Started

Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you with financial footprints in more than one country are different from those of local residents. Our aim to simplify your financial world. Currently serving the India-U.S. corridor, we let you apply for a Zolve account and a U.S. credit card on Day 1. With a lightning fast set up process that you can initiate from India, minimal documentation and no application fees, Zolve helps you prepare for your financial life in the USA.

Zolve offers:

Zolve Account

Debit Card

Credit Card

Yes, the Zolve app is available on both: App Store and Play Store.

1. Simply visit www.zolve.com

2. Register for a Zolve U.S. account.

3. Upload necessary documents, and you're set

It's that easy and takes less than 5 minutes

To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.

Yes, you can.

You can sign up with Zolve even before the Visa arrives. Simply give some details, and you're in. We will take the Visa later. Nothing better than prepping well in advance. Kudos!

Yes, we believe nothing should come in the way of you achieving your dreams. We take other aspects into consideration, like your Future Earning Potential and educational loan details to give you the credit you deserve.

Short answer - no and no. As you are new to the country, we know you may not have an SSN or U.S. credit history. But that shouldn’t stop you from starting your life on an equal footing in the U.S. With Zolve, you can apply for a Zolve Account and U.S. Credit Card from India itself before you go with your passport and visa as identification documents. The process is entirely online, and approvals are fast. The debit and credit card will be delivered to your U.S. address after you arrive.

Eligibility

If you are a student or working professional about to move to the U.S., you are eligible to apply for a Zolve Credit Card. Don't have credit history in the USA or SSN? Don't worry! Zolve has got you covered.

Yes, we believe nothing should come in the way of you achieving your dreams. We consider other aspects, like your Future Earning Potential and educational loan details to give you the credit you deserve.

Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you are different from those of local residents. We aim to simplify your financial world. We let you apply for a Zolve account and a U.S. credit card on Day 1. With a lightning-fast set-up process that you can initiate from your home country, minimal documentation and no application fees, Zolve helps you prepare for your financial life in the USA. To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.

No, not at all! You can sign up for the credit card and account from India itself. Even before you land in the U.S., you have your finances sorted. Zolve has got you covered from the very beginning!

About Your Zolve Credit Card

The credit card we provide is unsecured, you don't have to pay any deposit.

The best things in life are free. We value your hard-earned money and hence, don't charge an annual fee.

Cash withdrawals are not permitted on your Zolve Credit Card. However, you can use your debit card for this.

No, the selfie has to be uploaded while you are in the U.S. It is with respect to our compliance standards.

The credit card we provide is unsecured, which means that you do not have to pay any security deposit for it.

Right after you upload your documents! All you need to do is sign up on the website or application, enter the required details and know your credit limit instantly.

The best things in life are free. We value your hard-earned money and hence, don't charge an annual fee.

Paying your outstanding balance is very simple. You can either pay it with your Zolve account or add the card on another account that you may have.

Yes, Zolve is created to help you conduct financial transactions beyond borders, and you can definitely use your Zolve card outside of the U.S. Also, there is no foreign transaction fee on Zolve Credit Cards. You can use the card for international transactions just like a standard transaction via the mobile app or by entering the details on the merchant site.

We know it's difficult to adapt in a new world and to help you with that, as a company, we have an introductory of 0% APR for the first 15 months. After 15 months APR will be 14.99% (variable with prime rate as follows: 11.74% + WSF Prime Rate)

To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you are different from those of local residents.

We aim to simplify your financial world.

Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you are different from those of local residents. We let you apply for a Zolve Account and a U.S. credit card on Day 1. With a lightning-fast set-up process that you can initiate from your home country, minimal documentation and no application fees, Zolve helps you prepare for your financial life in the USA.

Yes, Zolve is created to help you conduct financial transactions beyond borders and you can definitely use your Zolve card outside of the U.S. Also, there is no foreign transaction fee on Zolve Credit Cards. You can use the card for international transactions just like a normal transaction via the mobile app or entering the details in the merchant site.

We do a soft pull, so it does not impact your credit history back home.

Building your credit

Yes! Zolve enables you to build your credit history from day one based on your name and date of birth which is then paired/matched with your SSN/ITIN whenever you receive it. Post this, your future employers, landlords and financial institutions will be able to review your entire credit history with your SSN/ITIN.

Disputes

A transaction can be disputed for various reasons like:

• Not incurred - Unknown transaction billed to the card account

• Double Debit - Charged twice for a single transaction

• Failed / Cancelled transaction - Transaction failed or was canceled

• Services not rendered / Goods not received from the merchant

To raise a dispute investigation, please get in touch with our chat support or write to us at Email id: hello@zolve.com

If you have received an alert for a transaction you did not make, this may potentially be a fraudulent transaction. Please contact us immediately on our Helpline to block your card to avoid further misuse and lodge a complaint with us so that we can investigate the fraudulent transaction.

The process begins when a cardholder calls his or her credit card company and disputes a charge. The issuer will conduct an investigation of the dispute, and if the evidence supports the cardholder’s claim, the issuer will take steps to officially file a chargeback and withdraw the funds.

For disputes related to transactions, please get in touch with our Helpline or 24x7 chat support or write to us at hello@zolve.com.

For credit report related disputes, please get in touch at +1 (213) 406-7896 or reach out to our 24x7 chat support or write to us at hello@zolve.com

A quick call to the merchant can often answer your questions and quickly resolve them. However, if this is not resolved, you may contact Zolve Customer Support.

A transaction dispute should be reported to Zolve within 60 days from the date of the statement delivery. Let’s say your statement is delivered on 15th March and your due date is on 10th April, so you can report a dispute within 60 days from your due date.

As per Mastercard guidelines, in case of a dispute, all cardholders should provide a duly filled in Transaction Dispute Form mentioning the details of the disputed transaction, which will enable/authorize the bank to investigate with the respective Merchant / Member Bank.

When a dispute is raised for a transaction, temporary credit is given to your account, and an investigation is initiated. This temporary credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that you are not affected during the period of investigation.

Based on the outcome of the investigation, the temporary credit may be made permanent resulting in no liability from your end for the transaction or reversed.

We will ensure an end-to-end resolution of the dispute. You may also contact the merchant directly for faster resolution.

A written acknowledgment will be sent confirming the dispute is taken up. We will inform you if any further documentation is required from your end to address the claim.

Most disputes are resolved within 90 days from the date of transaction dispute forms receipt and complete supporting documents. Although few complex cases might take more than the said time.

We will send you a written communication telling you about the outcome of your dispute.

If your card account is debited twice for a transaction that was incurred only once, be sure to get in touch with the merchant immediately or reach out to our Helpline to raise a dispute, in case the merchant denies it.

Approval and Denial of a dispute can depend on multiple factors and the card Issuers' acceptance.

No. To help protect your information and prevent further unauthorized use of your account, the card is frozen or blocked. You will receive a replacement card for further usage.,/p>

We request you to check with relatives or friends or authorized users with who you might have shared your account details, to see if they recognize the transaction. To help you identify a charge, you can also view more details online by clicking on the transaction in your “Account Activity” section.

Card Activation

Activating your Zolve Credit Card is extremely simple and only requires a few clicks. Once you receive the physical card, just login to the mobile application to activate your card.

Rewards

Zolve rewards is an exclusive incentive program for Zolve users that offers cash back on purchases from select merchants. This program also covers discounts on select merchant gift cards. Sweet deals for sweeter gratification!

Cashback can be earned by making an eligible purchase at a select merchant. Select merchants will be shown in the rewards section of the Zolve app. Once the transaction is complete and the charge is processed by the merchant, an estimated cashback will be disbursed and the corresponding cash back earned will be applied to your Zolve account.

Most of the time, yes. Many of the offers available exclusively to Zolve users include cashback on online purchases. However, each offer is different and the offer details must be viewed thoroughly to see if a specific offer includes cash back on online purchases.

"We're glad you want to know. Let's simplify it for you. Dosh offers are found in the Zolve app and will earn you cashback when you pay with your Zolve card. This is applicable only if the online offers are completed through the Zolve app. To earn cashback, visit the offer, and tap on the "Shop" button. You'll be redirected to the merchant's app or website, where you can complete the purchase with your Zolve Card to be eligible. There's one other way to earn cashback. Simply transact with local businesses in your area. They will appear in your app when that particular business location is participating in a cashback offer. Simply visit the local merchant you found listed in the app at the specific street address, pay for your purchase only with your Zolve Card, and stand eligible to receive cash back after your purchase."

Good things come to those who wait, isn't it? A pending purchase will show you the estimated cashback earned in your account summary. However, the amount is not final until the merchant completes the entire charge. Once the transaction is completed, any earned cashback will be automatically applied to your account. These transactions typically complete within 1-5 working days but can take up to 90 working days depending on the merchant. Don't worry! We keep our promises.

Unlike jam, your cashback doesn't come with an expiry. This is actual money that gets credited to your account. Once the merchant completes the charge, you will receive it.

Sky is the limit - for your dreams and ours. But when it comes to cashback, they do have limits. Some offers have limits of cashback that can be availed. And because every offer is different, it is impending to check the terms for each offer beforehand. For more information on a specific offer, you can check the Offers section of the app by simply clicking on the offer.

We need a reliable, 100% secure and a gratifying friend! Meet Dosh. It empowers Zolve Rewards. Once you make a transaction with your Zolve card, Dosh checks to see if it is eligible for a cashback reward. If the transaction is eligible for a reward, Dosh will send cashback to your Zolve account after the merchant completes the charge. A true friend indeed!

We take your privacy and data security seriously. We take precautions at every step to ensure the security of your data. We do not share personal information like your name, address, etc. with any vendor. We only securely share transaction details to check for cashback availability. They do not sell any of your data. They only use the data to improve your user experience, provide cashback, and serve up offers curated specially for you. For more information on the Dosh privacy policy, view the terms of service here.

Uh oh! We didn't mean for that to happen. In case you are missing cashback, contact us, and we can help out. We really want to. However, just a quick reminder: if your transaction is still pending, you’ll need to wait until the merchant completes it before you can receive and view your cashback.

Gratification should be instant and forever! And we totally get it. Which is why you can use your earned cashback to redeem gift cards from your favorite brands across US and India. Cherry on top, these are super discounted and come with additional rewards just for you!

About your Zolve account

Your Zolve account will be ready as soon as you sign up and provide the required documents. Your Credit Card, debit card and account will be created after we complete the processing. We will notify you once those accounts are created. Our goal is to make those accounts available by the time you land in U.S.

As soon as your account is created, you will be able to transfer money to your Zolve account.

1. You can send money internationally via a wire transfer. a. Give your Zolve account number and routing details to your local bank. b. Show Zolve account and routing details

2. You can also use your forex card money, and deposit the amount loaded on it into your Zolve account. a. Withdraw cash for free from a nearby ATM b. Deposit the cash into your Zolve account through cash deposit functionality at the ATM

3. You can also Log in to another bank's website that you want to transfer money from. Add your Zolve Account information using the same routing and account information that you would use for direct deposit.

No not at all, there is no transaction fee except for $15 on incoming international wire transfer.

Not at all! Most good things in life are free. We value your hard-earned money.There is absolutely no upfront fee or minimum balance requirements for Zolve accounts. Just share the required details, upload the documents and we will set up the account for you.

There are no minimum balance requirements for Zolve accounts.

Safety and Security

Zolve is your financial haven. We value you, and the safety of your money is our responsibility. Your accounts are FDIC insured up to $250,000. Also, we are constantly monitoring your transactions, and your card will be blocked if any suspicious activity is found. If lost or stolen, you can also report your card. Any transaction post-reporting will not be charged to you.

Zolve Account & Credit Card has NO application fees. Sounds too good to be true? We understand that moving abroad is a big financial undertaking, so we don't charge any application fee, annual fee or ask for any minimum balances.

Apart from no SSN and no credit history requirement, Zolve is the only credit card that offers a high credit limit on day 1 of arrival with no upfront deposit required. How do we do this, you ask?

With Zolve, you do not need a U.S. credit history to apply as we consider your unique circumstances and alternative data, giving you extremely high chances of approval. Because we trust you, you do not have to pay any security deposit to get a credit card, unlike other starter credit cards.

Moreover, we report to all three credit bureaus and regularly give you valuable tips to build your credit score faster.

Yes, your data is completely safe with us and will only be shared with our partner bank with whom you have your accounts.

Boost Account

A Boost Account is a Zolve Account with the benefits of a Savings Account. A Boost account will have Boost rates of upto 2%. This will be paid out as a monthly Bonus.

The Bonus is not paid by our banking partners, is not an annual percentage yield and is solely an obligation of Zolve, not our banking partner. The Boost Account and Bonus earned is a promotion and can be discontinued, restricted or modified at any time.

All user’s with a direct salary deposit of a minimum of $1000 per month are eligible for a boost account.

Update your app to see the boost account details. All user’s with a direct deposit of a minimum $1000 per month are eligible for a boost account.

Each day the bonus will be calculated on the closing balance based on the boost rate applicable. The bonus calculated daily will be added up at the end of the month and will be paid monthly.

The bonus for each month is paid out on the 5th of the next month. Eg: For the month of Jan, the bonus will be computed and credited to the account on or before the 5th of Feb.

The bonus is calculated on the daily balance maintained. So for the 18th, the bonus earned is $0, 19th is also $0. From the 20th, the bonus is calculated on the balance in the account.

No, the bonus will not be paid out for 14 days. Payment happens at the end of the month when an account is in good standing for a full month only. You will forfeit any eligible bonus if your Account is closed before the bonus is credited.

A notification will be sent for the bonus earnings when credited. Also, the bonus earnings can be viewed in the transactions and in the bank statement as “Boost rate earnings for ”. The same can be viewed in the spend analytics section as the bonus earnings for a certain time period selected.

No, the account maintenance fee is $0.

You are not required to maintain any minimum balance. The only eligibility criteria is to have a direct deposit of a minimum of $1000 per month.

The Bonus earned is deposited into your Zolve Debit Account and once deposited, can be used similar to other amounts therein. There is no withdrawal fee.

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Zolve Innovations Inc. is a financial technology company, not a bank or lender. All banking products are provided by our partnering banks.

Zolve Credit Cards are issued by Community Federal Savings Bank, Members FDIC pursuant to its license from Mastercard, and are subject to the terms of a Cardholder Agreement. Offers subject to credit approval.

Zolve Debit Cards are issued by Community Federal Savings Bank, Member FDIC pursuant to its license with Mastercard, and are subject to the terms of a Deposit Account and Debit Card Agreement. Deposits are subject to FDIC insurance up to the legally permissible amount.

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