NoxCred - Credit Assistant

NoxCred is a revolving credit platform that gives you immediate, on-demand access to a dedicated credit line — available whenever life demands it. With a single profile review, you gain a confirmed credit limit that stays on standby at no cost until you choose to use it. Interest applies only to the amount you draw, only for the days it remains outstanding. The timing and size of every transaction is entirely yours to decide.
Key Features
Real-Time Account Dashboard
Your approved credit limit, current outstanding balance, and available funds are all displayed on one clean, organised screen — so you always know exactly where you stand without having to dig through menus or contact support.
Borrow Only What You Need
Select the precise amount this moment requires, confirm in seconds, and leave the rest untouched — instantly available for whenever you next need it. No reapplying, no branch visits, no waiting periods.
Zero Hidden Costs
Before any draw is processed, NoxCred shows you the complete breakdown — principal, daily interest rate, and total repayment amount. What you see before you confirm is exactly what you owe. No surprises, no fine print.
Zero Idle Charges
Keeping your credit line open costs nothing at all. Interest begins only when you draw and stops the moment you repay in full. An untouched credit limit is simply a free safety net, always ready.
Auto Limit Restoration
As soon as you repay the amount drawn, your full credit limit is immediately reinstated — no new application, no waiting period, no phone call required. Your credit is available again from the moment your payment is confirmed.
Bank-Grade Security, Always On
End-to-end encryption, role-based access controls, routine independent security audits, and 24/7 automated threat monitoring work together to keep your account fully protected — whether you are actively using it or not.
Credit Line Details
- Credit Line Range: INR 10,000 – INR 50,000
- Maximum Usage Period: up to 365 days
- Daily Usage Rate: up to 0.065% per day
- Maximum Annualized Rate (APR): up to 23.73%
Once you repay your outstanding balance, your credit limit resets automatically to the full approved amount — immediately available again, subject to your current account standing.
Cost Illustration
The example below is purely illustrative — it shows how daily-rate interest accumulates over a typical borrowing period.
- Amount Drawn: INR 10,000
- Daily Rate: 0.065%
- Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650Total Repayment: INR 10,650
Your actual repayment depends on the amount you draw and the exact number of days it remains outstanding. Repay earlier to reduce your total cost.
Eligibility Requirements
- Be at least 18 years of age — you must be legally of adult age to enter into a credit agreement under Indian law.
- Hold a valid government-issued ID document — a current, verifiable identity document issued by Indian authorities (Aadhaar, PAN, Passport, or equivalent) is required to confirm your identity.
- Pass NoxCred's eligibility assessment — our consistent, impartial review confirms your profile meets our credit standards before access to the credit line is granted.
Customer Support
Whether you are new to NoxCred or an existing user, our support team is ready to help — from account setup questions to repayment guidance.
Customer service email: support@noxcred.com