MSME Credit Card Portal

The MSME Credit Card is a special credit facility launched by the Government of India to provide easy access to working capital for Micro, Small and Medium Enterprises (MSMEs). It functions like a regular credit card but is specifically designed for business expenses with flexible repayment options.

You can apply for an MSME Credit Card through this portal by clicking on the ‘Register’ button. You’ll need to provide basic business details, upload required documents, and complete the application process. Alternatively, you can visit any participating bank branch to apply offline.

The basic documents required include:

• PAN Card (Business and Personal)
• Aadhaar Card
• Business registration proof (GST/Udyam Registration)
• Bank statements for last 6 months
• Address proof of business

For complete applications with all required documents, approval typically takes 3-5 working days. In some cases where additional verification is needed, it may take up to 7 working days. You’ll receive SMS and email notifications at each stage of your application.

No, the MSME Credit Card is strictly for business-related expenses only. Using it for personal expenses may violate the terms of agreement and could lead to cancellation of the facility. The card is meant to support your business operations and growth.