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Top Questions

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!

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

It's 0% APR for the first 6 months* *After 6 months APR will be 14.99% (variable with prime rate as follows: 11.74% + WSJ Prime Rate)

Well, we have the biggest heart. Refer your friend(s) to Zolve and get $15 to your Zolve U.S. Account or an Amazon gift card worth Rs.1000, per sign up for you and your friend. Isn't that a super sweet deal?

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

If you have created a Zolve U.S. Account, $15 will be credited to your monthly statement. If you do not have a Zolve U.S. Account, you will be receiving an Amazon.in gift card worth Rs. 1,000.

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 add funds right away if you'd like or when you land in the U.S. We recommend you do it from India so that way you're all set the minute you land in the U.S. However, you can start spending only after you land and activate your Zolve Account in the U.S.

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.

Simply visit this link to be added to the priority list.

n the Zolve App, click on the add funds button on the home screen, and simply follow the steps!

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

If you are a student, the maximum credit limit on the Zolve Credit Card available to you is $5,000.

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). 5th 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 U.S. bank 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.

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, 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 U.S. Bank 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.

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.

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.

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.

We know it is tough to manage in an alien world and it takes time to get things in order at least for the initial few months. To help you cope with that, Zolve does not charge a late payment fee for the first time, but after that, a late payment fee of up to $40 will be charged.

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 six months. After 6 months APR will be 14.99% (variable with prime rate as follows: 11.74% + WSF Prime Rate)

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.

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.

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 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

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

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

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