Founded by Amit Kumar and Gunjeet Singh in 2017, GalaxyCard is an online application that provides a few basic details to get started with instant credit. It offers features like online documentation where the interested user needs to simply enter details in the app, no interest for up to 45 days which means no annual fee, no monthly fee, no interest, also customers can pay all their bills such as utility bills, phone recharge etc after 45 days.