Our Story
It all started with a number — 4%!
That's the share of Indians who hold premium cards. For a country as large as ours, only a limited few having access to the country's best payment experiences — offering lounge access, golf sessions, hotel upgrades, and lucrative rewards — was a significant problem to solve.
The Card Company was founded with the objective of democratizing access to premium payment experiences for Indians, rather than limiting them to the conventional few. We are passionate about removing conventional roadblocks to make these premium benefits accessible to every KYC-verified Indian.
The Card Company is an RBI-licensed Prepaid Payment Instrument (PPI) platform designed for modern India — with a premium prepaid wallet, a physical RuPay card, real gold rewards, and lifestyle benefits previously reserved for premium cards. The feature stack powering The Card Company's products is enabled by DreamFolks, India's largest aggregator of premium travel and lifestyle benefits.
We are committed to bringing many more products that Indians truly value.
Follow us for more!
What We Stand For
Three beliefs that shape everything we build.
Inclusion
A wallet should be the beginning of someone's financial journey, not a consolation prize for not getting a credit card. We're building products for every Indian — including those traditional finance has long overlooked.
Access
Premium benefits shouldn't be limited to a select few. Through our partnership with DreamFolks, every Wallet α user can access airport lounges, golf sessions, hotel upgrades, and more — at a price that makes sense.
Transparency
We built our rewards program to be understood in 30 seconds. Earn Gold. Redeem Gold. That's it. No tiers, no expiry, and no fine print designed to confuse you into earning less than you're owed.
The Team
Sandeepan Kashyap — Co-Founder & CEO
Sandeepan has spent nearly two decades in payments and financial services. The vision of making world-class payment products and premium experiences accessible to every Indian, without conventional barriers, is what inspired the creation of The Card Company.
Kanika Dang — Chief Operating Officer
Kanika brings over 13 years of experience in payments and financial services. She makes The Card Company dream come true.
Liberatha Kallat — Managing Director
Liberatha founded DreamFolks in 2008 and has spent more than two decades building the infrastructure that powers premium travel and lifestyle access across India. Her presence on The Card Company's Board brings deep industry expertise and strengthens our ability to deliver best-in-class lifestyle benefits to our customers.
Why Trust Us
Built on trusted infrastructure. Backed by trusted partners.
- •
RBI Licensed – Licensed by the Reserve Bank of India to issue Prepaid Payment Instruments (PPIs).
- •
Powered by RuPay – India's domestic card network, accepted across millions of merchants.
- •
Premium Benefits by DreamFolks – Airport lounges, golf, hotel privileges, and more, powered by India's leading travel and lifestyle platform.
- •
Enterprise-Grade Security – Bank-grade encryption and multi-factor authentication safeguard every transaction.
- •
PCI DSS Certified – Your payment information is protected to globally accepted security standards.