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The Bettr Card is issued by SBM Bank (India) Ltd, in partnership with Bettr Credit i.e. the solution, owned and operated by Mvalu Technology Services Private Limited (“Bettr Credit”).
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You can control the Bettr Card entirely from the Bettr Credit Mobile App. Bettr Credit Mobile App offers you the following features:
  • Activating your Bettr Card
  • Setting your Card PIN
  • Managing your physical/virtual card 
  • Viewing your spends, statements, bills, and payments
  • Turning your Card ON/OFF
  • Blocking your Card in-case it is misplaced
  • Raising queries with respect to Bettr Card
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Factors that influence Bettr Card eligibility are:
  • Age: You must be at least 21 years of age
  • Income: You must have a regular source of income
  • Bank account: You must have a savings account in your name
  • Credit-worthiness: You should have a good credit history. No defaults on loans or credit repayments. Your credit-worthiness is often checked through Credit bureau – so make sure your credit score is good
  • Correct documents: Ensure that you have all the valid documents in place for faster approval of BettrCard
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You can use the Bettr Card while making purchases online and offline.
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No, we don’t charge any joining fee while issuing the card. It’s completely free!
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A virtual credit card is an electronic card which can be created using our android mobile application and can be used for all online transactions. No charges have to be paid for the same.
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Payments towards the card account may be made using the Bettr Credit App – customer can pay via net banking / debit card / UPI.
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In case of loss/theft/misuse of the card, it must be reported immediately to Bettr Credit by writing us an email at: help@bettrcredit.com.SBM Bank shall thereupon suspend the card. The card holder is advised to file an FIR with the local police station so that the card holder can produce its copy whenever requested by the bank.
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Once you activate your virtual credit card, your physical card will be delivered to your registered address.
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You can activate your physical card by receiving an OTP on your registered mobile number. Post that, you can set the 4 digit transaction PIN and get going!
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The CVV Number (Card Verification Value) on your credit card is a 3-digit number available at the back of your physical card or accessible from your mobile application and is vital for completing online transactions and should never be shared with anyone.
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One time password (OTP) would be instantly sent on your mobile no. registered with your Bettr Card.
  • If you do not receive the OTP, please check if your mobile no. registered with your Bettr Card is correct or not.
  • If the registered details are correct, you can request for the OTP to be re-sent to you by clicking on the link in the below message displayed on the screen ‘Resend OTP’
  • In case, you are still facing an issue, contact us at: support@mvalu.in
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Timely payments would lead to a positive impact on your Bureau score, hence increasing the scope for a credit limit enhancement. It would also brighten your future credit prospects.
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Here are some of the reasons why your Bettr card is nor working:
  1. It has not been activated: Please activate your card from the homepage.
  2. The card has been temporarily locked: Please unlock your card from card settings.
  3. The card has been permanently blocked: Please order a new card from the home page.
  4. The card has expired: Please order a new card from the home page.
  5. How can I block my card is it is lost/stolen/damaged?
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If your card is stolen lost or damaged, we request you to immediately block your card from the Bettr app to avoid any faulty payments in the future. After that you can order a new card and enjoy your Bettr spends.
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You can now reset your Bettr card PIN instantly with the app, in the card settings page.
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A Finance Charge is the interest billed if the cardholder pays an amount less than the statement balance on the corresponding due date. Please note that the interest rate may vary based on the customer’s credit profile and will be informed to the customer once the card is approved.
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By paying this minimum due amount every month, you are not charged any late fees by the card issuer. The minimum due amount will be informed to the customer once the card is approved.
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Late payment charges are levied when the customer does not pay the minimum amount due as per the due date. The late payment charges will be informed to the customer once the card is approved.
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All Bettr Credit Card holders will be billed on a monthly basis. However, there may be no statement generated for the period in which there has been no outstanding due and no transaction on the account in the past month. The billing statement will be dispatched by e-mail and will be available on the Bettr Credit App
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The reward points can be redeemed in the form of cashbacks to the customer’s credit card account. The reward points details would be informed to the customer once the card is approved.
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No fee is levied if the customer wishes to redeem reward points. Rewards points can be redeemed in the form of cash-back to their credit card account using the Bettr Credit App.
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The cashback for each payment made is usually credited in your credit card within 5 working days. Please check your cashback section under the offers tab to stay updated about the cashbacks earned.
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Bettr Card and App

The Bettr Card is issued by SBM Bank (India) Ltd, in partnership with Bettr Credit i.e. the solution, owned and operated by Mvalu Technology Services Private Limited (“Bettr Credit”).
Did you find the above answer helpful?
You can control the Bettr Card entirely from the Bettr Credit Mobile App. Bettr Credit Mobile App offers you the following features:
  • Activating your Bettr Card 
  • Setting your Card PIN 
  • Managing your physical/virtual card 
  • Viewing your spends, statements, bills, and payments 
  • Turning your Card ON/OFF 
  • Blocking your Card in-case it is misplaced 
  • Raising queries with respect to Bettr Card 
Did you find the above answer helpful?
Factors that influence Bettr Card eligibility are:
  • Age: You must be at least 21 years of age 
  • Income: You must have a regular source of income  
  • Bank account: You must have a savings account in your name 
  • Credit-worthiness: You should have a good credit history. No defaults on loans or credit repayments. Your credit-worthiness is often checked through Credit bureau – so make sure your credit score is good 
  • Correct documents: Ensure that you have all the valid documents in place for faster approval of BettrCard
Did you find the above answer helpful?
You can use the Bettr Card while making purchases online and offline.
Did you find the above answer helpful?
No, we don’t charge any joining fee while issuing the card. It’s completely free!
Did you find the above answer helpful?
A virtual credit card is an electronic card which can be created using our android mobile application and can be used for all online transactions. No charges have to be paid for the same.
Did you find the above answer helpful?

Managing Account

Payments towards the card account may be made using the Bettr Credit App – customer can pay via net banking / debit card / UPI.
Did you find the above answer helpful?
In case of loss/theft/misuse of the card, it must be reported immediately to Bettr Credit by writing us an email at: help@bettrcredit.com.SBM Bank shall thereupon suspend the card. The card holder is advised to file an FIR with the local police station so that the card holder can produce its copy whenever requested by the bank.
Did you find the above answer helpful?
Once you activate your virtual credit card, your physical card will be delivered to your registered address.
Did you find the above answer helpful?
You can activate your physical card by receiving an OTP on your registered mobile number. Post that, you can set the 4 digit transaction PIN and get going!
Did you find the above answer helpful?
The CVV Number (Card Verification Value) on your credit card is a 3-digit number available at the back of your physical card or accessible from your mobile application and is vital for completing online transactions and should never be shared with anyone.
Did you find the above answer helpful?
One time password (OTP) would be instantly sent on your mobile no. registered with your Bettr Card.
  • If you do not receive the OTP, please check if your mobile no. registered with your Bettr Card is correct or not.
  • If the registered details are correct, you can request for the OTP to be re-sent to you by clicking on the link in the below message displayed on the screen ‘Resend OTP’
  • In case, you are still facing an issue, contact us at: support@mvalu.in
Did you find the above answer helpful?
Timely payments would lead to a positive impact on your Bureau score, hence increasing the scope for a credit limit enhancement. It would also brighten your future credit prospects.
Did you find the above answer helpful?
Here are some of the reasons why your Bettr card is nor working:
  1. It has not been activated: Please activate your card from the homepage.
  2. The card has been temporarily locked: Please unlock your card from card settings.
  3. The card has been permanently blocked: Please order a new card from the home page.
  4. The card has expired: Please order a new card from the home page.
Did you find the above answer helpful?
If your card is stolen lost or damaged, we request you to immediately block your card from the Bettr app to avoid any faulty payments in the future. After that you can order a new card and enjoy your Bettr spends.
Did you find the above answer helpful?
You can now reset your Bettr card PIN instantly with the app, in the card settings page.
Did you find the above answer helpful?

Fees and Charges

A Finance Charge is the interest billed if the cardholder pays an amount less than the statement balance on the corresponding due date. Please note that the interest rate may vary based on the customer’s credit profile and will be informed to the customer once the card is approved.
Did you find the above answer helpful?
By paying this minimum due amount every month, you are not charged any late fees by the card issuer. The minimum due amount will be informed to the customer once the card is approved.
Did you find the above answer helpful?
Late payment charges are levied when the customer does not pay the minimum amount due as per the due date. The late payment charges will be informed to the customer once the card is approved.
Did you find the above answer helpful?
All Bettr Credit Card holders will be billed on a monthly basis. However, there may be no statement generated for the period in which there has been no outstanding due and no transaction on the account in the past month. The billing statement will be dispatched by e-mail and will be available on the Bettr Credit App
Did you find the above answer helpful?

Rewards and Benefits

The reward points can be redeemed in the form of cashbacks to the customer’s credit card account. The reward points details would be informed to the customer once the card is approved.
Did you find the above answer helpful?
No fee is levied if the customer wishes to redeem reward points. Rewards points can be redeemed in the form of cash-back to their credit card account using the Bettr Credit App.
Did you find the above answer helpful?
The cashback for each payment made is usually credited in your credit card within 5 working days. Please check your cashback section under the offers tab to stay updated about the cashbacks earned.
Did you find the above answer helpful?

Looking for more information? Reach us at

WhatsApp 0124-3631820 help@bettrcredit.com

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