India’s first home-backed credit card
A credit card at ~10% p.a. Yes, really.
Keystone is backed by your home equity — so it borrows at home-loan rates, not card rates. Limits up to ₹15 lakh.
Built with regulated banking partners · Launching 2026
Interest saved today
₹163.00
What parking ₹2,00,000 against a ₹60L loan saves, every single day.
The only number that matters.
₹1,00,000 revolved for 1 year on a normal credit card
₹42,000
interest
The same ₹1,00,000 on Keystone
~₹10,000
interest
Illustrative. Normal-card figure assumes 42% p.a.; Keystone target rate is linked to home-loan rates.
How it works
Take your home loan through Keystone.
We work with a partner bank — same rates you’d shop for, with a smarter account behind it.
Get a credit line backed by your home equity.
Spend it on a card, convert big purchases to EMIs up to 60 months, or draw cash to your bank account — all at ~10% p.a.
Manage everything in one place.
One EMI, one statement, one app. Park your salary against the loan and interest drops the same day.
~10% p.a., not 40%+
Because your home secures the line, you borrow at home-loan-level rates.
Limits sized to your equity
₹2–15 lakh lines, not the ₹1L a salary slip gets you.
No retroactive interest trap
Pay ₹1 short on a normal card and you’re charged interest on the full balance. Here, you pay interest only on what’s actually unpaid.
Cash at the same rate
Hospital bills, school fees, emergencies — draw to your bank account with no 2.5% cash-advance fee.
EMIs up to 60 months
Convert any big spend at one-third the usual EMI cost.
Rewards that repay your home loan
Cashback auto-credits against your principal. ₹100 of cashback knocks ~₹470 off your loan over 20 years.
Designed like a mortgage, not a debt trap.
Your home backs the credit line — we take that seriously. Minimum payments are structured like a home loan, with long cure periods and no penal-interest games. Your total exposure is hard-capped at 75% of your home’s value. Spending on stocks, crypto and gambling is blocked by default. And we’ll never lend you more than your income can service, regardless of what your home is worth.
FAQ
Is Keystone live?
Not yet. We’re building Keystone with regulated banking partners and expect to launch with a pilot cohort. The waitlist gets first access and founding-member pricing.
How can a credit card charge ~10%?
Normal cards are unsecured, so banks price in heavy losses. Keystone’s line is secured by your home equity — the same reason your home loan costs 8.5% and your card costs 42%. We’re just connecting the two.
Is my house at risk if I miss a card payment?
The line is secured by your home, and we won’t pretend otherwise. But repayment is deliberately designed like a mortgage: low minimums, long cure periods, and total exposure capped at 75% of the home’s value. Enforcement against a home is a last resort under Indian law and under our design — not a collections tactic.
Who actually issues the loan and the card?
A regulated partner bank issues both. Keystone builds the product, the app and the experience.
What does it cost?
Planned: zero annual fee for as long as your home loan is active. No hidden charges; everything in the Key Fact Statement.
When and where does it launch?
First in select metros with our partner bank. Waitlist members get priority access — and in the meantime, we can connect you with today’s best home-loan offers.
Get in before the queue forms.
Early members get priority access and founding-member pricing.