Our Story
We got tired of bad credit cards.
In 2021, three friends sat in a Mumbai café complaining about their credit cards — hidden fees, cashback that never arrived, support bots that never helped.
So we built the card we always wanted — transparent, rewarding, and designed for how Indians actually live.
Join the movement5L+
Cardholders
₹0
Hidden Fees
4.9★
App Rating
140+
Countries
What we stand for
Radical Transparency
No hidden fees. No asterisks. What you see is exactly what you get.
Customer-First Always
Every feature starts with: does this make the cardholder's life better?
Innovation by Default
We ship new features every week. If there's a better way, we build it.
Built for Bharat
Designed for tier-2 cities, first-time credit users, and India's reality.
How we got here
Founded in Mumbai with ₹5Cr seed funding
Received NBFC licence from Reserve Bank of India
Launched beta — 10,000 cards issued in first month
Crossed 2 lakh active cardholders, Series A of ₹200Cr
5 lakh+ cards active, accepted in 140+ countries
The people behind Navi
Ex-Razorpay, ex-Paytm, ex-Goldman Sachs — obsessed with making finance fair.
Aryan Kapoor
CEO & Co-founder
Nisha Gupta
CTO & Co-founder
Vikram Sethi
CFO
Pooja Iyer
Head of Product
Rahul Bose
Head of Risk
Anita Menon
Head of Customer Love
Be part of the story.
Every new cardholder makes Navi stronger.
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