How and where can I use my FINJA card?
You can use it at any point-of-sale, including retailers, grocery stores, and petrol pumps. You can also withdraw cash from any ATM.
Will I get a grace period after the due date of my bill?
You will get a grace period of 5 days after your billing date. After that a late payment fee of 3% will be charged on the total amount due.
How does the credit limit behave?
The credit limit allotted to you will be a fraction of your earned income which you will have to repay on the billing date that you set. The entire limit will reactivate once you have cleared all your dues.
WHAT ARE THE CHARGES ON DIFFERENT TRANSACTIONS MADE WITH CREDIT LINE?
For more information visit Charges and Fees.
How are my installments calculated?
You can use the following link to calculate your installment payments: Charges and Fees
Is there a cash withdrawal limit?
You cannot withdraw more than PKR 50,000 in one day. Also, an ATM allows you to withdraw PKR 20,000 at one time. So, it will take three attempts to withdraw PKR 50,000 in one day: 20,000, 20,000, and then 10,000.
What should I do if I lose my card?
Temporarily deactivate your card in the app to prevent anyone from misusing it. You can always reactivate it by reactivating it in the app. Also, you must notify us immediately on our helpline: (042) 35880272
Can I pay my online bills through my FINJA app?
Yes. You can if you pay them through your wallet. At this moment, you cannot pay online bills with your credit limit. However, we are working on this feature, and it will be live soon.
Can I make international transactions?
No, you cannot because of a limitation of our card issuer that is PayPak.
How long is my card valid for?
5 years from the date your card is approved.
How can I apply for a new card if my old card is lost or stolen?
You can block the card from your app or call the call center (042) 35880272 to limit unauthorized usage. We are working on reissuance features. It will be live very soon.