Terms & Conditions

1. Acceptance of Terms

By creating a BharatCard account or using any BharatCard service, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use the platform.

BharatCard may update these Terms from time to time. Continued use of the platform after changes take effect means you accept the updated Terms.

2. About BharatCard

BharatCard is a digital platform where eligible users can access:

• Virtual Cards
• Virtual SIMs (Virtual Numbers)
• A USDT wallet

Some products may be provided through trusted third-party partners. Product availability depends on country, provider and inventory, and we continuously work to improve our services.

BharatCard is a technology platform — it is not a bank and does not provide banking services.

3. Eligibility

• You must be at least 18 years old to use BharatCard.
• You must provide accurate and truthful information when registering.
• Fake or impersonated identities are strictly prohibited.
• BharatCard may suspend accounts that violate these Terms.

4. Account Security

You are responsible for:

• Keeping your password secure
• Protecting your verification codes
• Protecting access to your email account

If you suspect unauthorized access to your account, contact support immediately.

⚠ BharatCard will never ask for your password, OTP or verification code. Never share these with anyone — including anyone claiming to be BharatCard support.

5. Deposits

• Minimum deposit: 20 USDT
• Supported deposit network: TRC20 (Tron)

Deposits are credited to your wallet after successful blockchain confirmation and verification by our team — never automatically or instantly.

⚠ Never send funds using an unsupported network or asset. Wrong-network deposits may not be recoverable.

6. Welcome Bonus

Eligible new users receive a 25% Welcome Bonus (up to 100 USDT) on their first successful qualifying deposit of 20 USDT or more. When a friend signs up with your referral code and completes their first eligible successful deposit, you receive a 25% Referral Reward (up to 100 USDT) calculated from that deposit.

• One Welcome Bonus per eligible user; one Referral Reward per qualified referred friend.
• Bonuses are credited only after the deposit is verified — never on deposit-session creation.
• Promotional (bonus) balance is non-withdrawable and may be used only for eligible BharatCard services.
• Duplicate accounts and self-referrals are prohibited; fraudulent or abusive rewards may be rejected or reversed.
• Promotion availability, rates and caps may be changed or ended with appropriate notice.

7. Virtual Cards

Virtual Cards may be used with supported online merchants. Card acceptance is not guaranteed on every website — acceptance depends on:

• The merchant
• The country
• The payment provider
• The card type
• Risk policies

Always review a card's supported use cases and restrictions before purchasing.

8. Virtual SIMs & Virtual Numbers

Virtual Numbers are provided for supported online services. Availability depends on the provider, country and current inventory.

Acceptance by WhatsApp, Telegram or any other third-party platform cannot be guaranteed. A Virtual Number may not provide all functions of a physical SIM, such as mobile data or permanent ownership.

9. Fees & Pricing

Applicable fees are displayed before every purchase — including deposits, card purchases, card top-ups and Virtual SIM orders. Please review the final amount before completing payment.

Pricing may change at any time; the price shown at checkout is the price you pay.

10. Refund Policy

Refund eligibility depends on the product purchased, provider policies and the order status shown on each order. For example, a Virtual Number that receives no code before expiry is handled per the refund policy displayed on that order.

Merchant refunds are credited after they are received and processed by the card provider. Processing time depends on the merchant, payment network and provider.

11. KYC & Compliance

Certain services may require identity verification (KYC). Requirements depend on the provider, transaction amounts and applicable regulations. If verification is required, your dashboard will show the documents and steps needed. Failure to complete requested verification may limit access to certain features.

12. Prohibited Activities

You must not:

• Create fake or duplicate accounts
• Abuse promotions or bonuses
• Attempt fraud or use stolen payment methods
• Engage in money laundering or sanctions evasion
• Misuse Virtual Cards or Virtual Numbers
• Interfere with platform security

Violation of these rules may result in account suspension or permanent termination.

13. Service Availability

BharatCard works to provide reliable services. However, maintenance, technical issues, third-party provider downtime or blockchain congestion may temporarily affect availability.

14. Limitation of Liability

The service is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, BharatCard is not responsible for losses caused by:

• An incorrect wallet address entered by the customer
• Funds sent on the wrong blockchain network
• Rejection by a third-party merchant
• Provider downtime beyond our reasonable control
• Customer negligence with passwords or verification codes

15. Privacy

Your information is handled according to our Privacy Policy, which explains what we collect, how we use it and how we protect it.

Read the Privacy Policy →

16. Changes to These Terms

BharatCard may update these Terms from time to time. Material updates will be published on the website. Continued use of the platform after changes take effect constitutes acceptance of the updated Terms.