42 Card Solutions

42 Card Solutions is a Bengaluru-based fintech company that provides end-to-end credit card outsourcing and management services to banks and regulated financial institutions in India. Founded in 2020 by Suresh Warrier and a team of seasoned banking professionals, the company offers a cost-effective and scalable credit card program management platform that gives financial institutions access to modern digital and mobile payment technology without building it in-house. The platform covers the full credit card lifecycle: compliance and regulatory management, fraud prevention and risk control, cardholder experience management, and business performance optimization. 42 Card Solutions acts as a program manager for its bank partners, handling the operational complexity of running a credit card business so that banks can focus on customer relationships. The company has partnered with institutions such as Utkarsh Small Finance Bank and has raised $8.16M across two seed rounds from investors including Beenext, BLinC Invest, and SIG Venture Capital. As of 2025 it employs approximately 40 people.