Lazypay like other UPI based Credit card apps or Credit on UPI apps list

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Lazypay like other UPI based Credit card apps or Credit on UPI apps list:

1) Lazypay app UPI -

App link – https://play.google.com/store/apps/details?id=c...

LazyPay lets you buy now and pay later across merchants. You can pay the total every 15 days, without any interest.
You can even use your LazyPay credit limit at any store that accepts UPI. And if the transaction is over INR 3000.

Credit through UPI

With LazyPay – you can scan UPI QR codes to pay using LazyPay Credit online & at shops everywhere. This is done via UPI payments using a special LazyPay UPI Credit handle that’s assigned to you. And if the purchase is over Rs. 3000, you can convert it into easy EMIs.

2) Chillpay app UPI -

App link - https://play.google.com/store/apps/details?id=c...

Buy through UPI, pay us later!😎 Download the app and get instant chhota credit within two minutes.✌️

Once you sign up, enjoy the benefits of credit on UPI.🤩

The chillpay app gives you a zero-interest mini-credit limit that can be instantly used through UPI transactions.

When is the repayment due date?

You have to repay your dues by the 5th of the month. Late fees of INR 10/day will be added for every day after the 5th, which will be capped at INR 250 + 18% GST.

3) Bullet app UPI -

App link - https://play.google.com/store/apps/details?id=m...

We are live only in Mumbai, Bangalore, Delhi NCR, Pune, Hyderabad, Ahmedabad, Chandigarh and Chennai. We will be launching in other cities soon.

The Bullet Pay Later app gives you credit over UPI – with zero interest.

You can use this credit to pay both online and offline merchants that accept UPI payments. Then you pay the Bullet app back twice a month. It’s just that simple.

4) FlexPay app UPI -

App link - https://play.google.com/store/apps/details?id=i...

FlexPay, brought to you by FlexSalary, is an instant digital credit line app that provides customers with their very own Digital Credit Card like experience.

Use instant credit on UPI to buy now & repay us the amount with minimal interest, anytime at your convenience.

5) RBL Bank vCard (your Credit Card balance used for UPI payment) -

App Link - https://play.google.com/store/apps/details?id=c...

vCard is a Mobile Credit App (Credit Card and Credit Line) which allows UPI Payment to any UPI ID.

Get vCard Mobile Credit Card

• Zero Annual Fee
• Physical Plastic Card for Non UPI Spend with Reward Points
• 0% Interest on all funds up to 50 days. 3.5% per month roll over interest after that
• Unlimited UPI Transfer up to 10% of total limit per day
• Transfer Entire Credit Limit to your Bank Account on EMI @ 13- 20%
RBL Bank Credit Card for Non-UPI spend for both Online and Offline Payments
• 2000 Joining Reward Points, Additional 1000 points on crossing Rs. 10,000 spend in 60 days
• 1 reward point per Rs.100 spend on key categories.
• Zero Annual Fee for Year 1, waived off subsequently on spend of > Rs. 1L
• Personalized offers on Food, Shopping, Entertainment, Online Spend etc.

Get vCard Credit Line

• Zero Annual Fee
• Interest of ~0.1% per day on UPI spend with zero roll over interest
• 0 – 30 day Interest free period depending on Credit Score and Monthly Spend
• Unlimited UPI Transfer, minimum Rs.1000 per transaction
• No Plastic Card, reward points
• Zero Annual Fees
• 0.07% – 0.12% per day finance charges (E.g. Rs.100-150 finance charges on an average monthly spend of Rs.10,000)
• Finance Charges reduce based on credit score and spend history
• Personalized offers on Food, Shopping, Entertainment, Online Spend etc.

6) MoneyTap RBL credit card app now also launch Credit on UPI (cUPI) feature -

App link - https://play.google.com/store/apps/details?id=c...

What features make MoneyTap convenient?

✔ 100% paperless process, no bank visits
✔ You can use any amount from your available credit line
✔ Make UPI transactions directly from your Credit Line

Credit on UPI (cUPI) is a feature that allows customers to use their MoneyTap Credit Line to pay for online & offline transactions seamlessly via UPI. Customers can create a UPI handle on the MoneyTap app and link it to their MoneyTap account to transact directly from their approved credit line.

This feature uses SMS services to verify accounts for financial transactions through OTP.

7) ICICI bank UPI Paylater app -

link - https://www.icicibank.com/Personal-Banking/payl...

With ICICI Bank PayLater, you can get up to 45 days zero interest digital credit with just a click. Pay your bills, shop online and make payment to any merchant Unified Payments Interface (UPI) ID easily and instantly.

Note – Time to time i will update more UPI based Credit card or Credit on UPI apps in Deal WIKI section, If you know any other Credit on UPI apps then let me know in comment section.
16 Comments  |  
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which one allows credit card to clear outstanding smile

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Yes plz need another alternative which allows cc to clear due amount .. Lazypay upi sometimes blocks amazon for 24 hrs till further review due to unusual activity.

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madmax87 wrote:

Yes plz need another alternative which allows cc to clear due amount .. Lazypay upi sometimes blocks amazon for 24 hrs till further review due to unusual activity.

Do yo pay CC blil using lazypay UPI from amazon ?
I tried but didn’t worked

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sauravDD wrote:

Do yo pay CC blil using lazypay UPI from amazon ?
I tried but didn’t worked

It’s working for me but after couple of txn it blocks it due to unusual activity.

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Does lazy pay requires pan card or without pan card they provide upi limit

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vivek4uuuu wrote:

Does lazy pay requires pan card or without pan card they provide upi limit

Required Pan Card

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vivek4uuuu wrote:

And do they report this into cibil

As far as I know They don’t report to cibil
Because I am using lazypay from previous 1 year but in ciBil nothing show about lazypay

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Cc se repay kya kya kr skte except LazyPay?

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Lazypay sacn&pay has lot of issues like if you’ve paid the amount on Flipkart/Amazon or thrid party website & your order for cancelled/returned then if you’re lucky you’ll get refund within 5-7 days else you need to follow up with lazypay for 3-4 month’s (see there twitter handle for more)

Sometime lazypay shows txn failed on app/Partner serve not responding and later when you’ll left from the shop/place you’ll receive a message that transaction successful.

Customer support is even worst then sbi.

But yes this is the only app that can provide credit card payment options.

I’m also using bullet (as a beta user) thay approved me for 10k and I’ve shared too much feedback on there initiate time to improve the app so that people will not face issue. And they even considered my feedback everytime.
There app look so cool and minimal and has decent transaction speed. But have only upi as a payment option.

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xera0117 wrote:

Content has been removed!

As of now not. Cause they just launched in market. They only supposed upi as a payment method but you can share an email to there developer team to add a payment method.

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ImRebel wrote:

As of now not. Cause they just launched in market. They only supposed upi as a payment method but you can share an email to there developer team to add a payment method.

Even lazypay will remove CC option soon as they removed previous month

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sauravDD wrote:

Even lazypay will remove CC option soon as they removed previous month

Yeah they shared an email that they are giving Credit Card payment option till 31 march but stil it’s working and many using lazypay just cause of this reason and they also know that.

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In case of RBL vCard , is it possible to transfer amount to any UPI ID (even self… ofcourse different) without charge as well as interest? It will be like transferring money to bank account!

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leonardodavinci wrote:

In case of RBL vCard , is it possible to transfer amount to any UPI ID (even self… ofcourse different) without charge as well as interest? It will be like transferring money to bank account!

yes

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epaylater went into hibernation mode since lockdown. High chances of death.

Missing