Wallets : anything useful now

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Deal Newbie
kingfish

The wallets cashback or benefits or reducing day by day , Is there anything which is still holding us to use the wallets

Paytm : No cashback , points  

Freecharge : All are one time 

Amazon : Everything linked to UPI for no UPI customers and for UPI linked customers all junk offers

Payzapp : Useful for 5% bill pay and some vendors but not all the billers are available

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Deal Lieutenant Deal Lieutenant
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Currently bajaj finance is giving good offer, other than that all others are over for me.

Like Magnet Like Magnet
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Wait till they all come together like telecom and decide to apply charges on wallet.

Upi charges are the scariest given dependences.

Deal Subedar Deal Subedar
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0 offers ok with 0 charges, simple maths bro 

Deal Subedar Deal Subedar
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sanketpero wrote:

Wait till they all come together like telecom and decide to apply charges on wallet.

Upi charges are the scariest given dependences.

they will be bankrupt then

Lucknow Super Giants Lucknow Super Giants
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Bro.. can we buy amazon gv at discount through Payzapp?

-not having hdfc account 

Kolkata Knight Riders Kolkata Knight Riders
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sanketpero wrote:

Wait till they all come together like telecom and decide to apply charges on wallet.

Upi charges are the scariest given dependences.

i dont think UPI will charge something in near future  @abhishek012

Pro Blogger Pro Blogger
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shraaj wrote:

i dont think UPI will charge something in near future  @abhishek012

UPI OD already charge 1.5% MDR.

UPI IPO, UPI AutoPay etc all charged some MDR fees.

Note – MDR fees only paid by merchants. Life time Free for customers.

Deal Subedar Deal Subedar
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Only payzapp and pockets app is good . Rest are 🤢🤢🤢🤢

Delhi Capitals Delhi Capitals
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payzapp: best for utility bill with 5% recharge with amazon icic for extra 1%

Amazon wallet: recharge with rupay for 20% , amazon icici card 5%

Paytm : money rotation with limit

simpl: i think this is also a wallet kind as it allowd to clear due by cc, 10% for many offers 



Gujarat Titans Gujarat Titans
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abhishek012 wrote:

UPI OD already charge 1.5% MDR.

UPI IPO, UPI AutoPay etc all charged some MDR fees.

Note – MDR fees only paid by merchants. Life time Free for customers.

Merchant will eventually charge it from customers as price hikes in products 

Cool Cool
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amazon swiggy offer not visible for march 2022

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garamjalebi wrote:

Merchant will eventually charge it from customers as price hikes in products 

Debit card, credit card, ewallet already available and merchants already charged 3% extra on products price.

Doesn’t matter UPI MDR Zero or chargeable because of DC/CC, we already paid 3% extra charges on all payment modes. 😀

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

Bro.. can we buy amazon gv at discount through Payzapp?

-not having hdfc account 

previously yes , but not at discount , you would get 5% cashback after 90 days that too after contacting customer care and raising a issue.
But used to get cashback of 5% after almost 120 days.

They changed the T&Cs in Feb and now not possible.

Deal Lieutenant Deal Lieutenant
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demerius2020 wrote:

payzapp: best for utility bill with 5% recharge with amazon icic for extra 1%

Amazon wallet: recharge with rupay for 20% , amazon icici card 5%

Paytm : money rotation with limit

simpl: i think this is also a wallet kind as it allowd to clear due by cc, 10% for many offers 



amazon rupay 20% ends in march 😐

Deal Newbie Deal Newbie
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LightYagami wrote:

previously yes , but not at discount , you would get 5% cashback after 90 days that too after contacting customer care and raising a issue.
But used to get cashback of 5% after almost 120 days.

They changed the T&Cs in Feb and now not possible.

Can you share the link about the changed T&Cs. So what you are saying is that we cannot get cashback if we buy GVs using payzapp?

Deal Lieutenant Deal Lieutenant
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Shaan442 wrote:

Can you share the link about the changed T&Cs. So what you are saying is that we cannot get cashback if we buy GVs using payzapp?

https://offers.smartbuy.hdfcbank.com/offer_deta...

Only pay with PayZapp via PayZapp wallet will be eligible for the offer. Transactions done by entering 16 digits of PayZapp card followed by CVV will not be eligible for offer benefits on SmartBuy.

I did not know about it too. I had raised issue for month of October.

The customer care person told me 

Please note basis the revert received from PayZapp, we have found that the August transaction was done by using Payzapp card as debit card, however effective Feb 22 there has been a revision in this, please refer the SmartBuy T&C link https://offers.smartbuy.hdfcbank.com/offer_deta..."

1) Offer Applicable on Pay with PayZapp option too.

The offer as per the linked card used for completing the transaction would be applicable.

2) Only pay with PayZapp via PayZapp wallet will be eligible for the offer.

Transactions done by entering 16 digits of PayZapp card followed by CVV will not be eligible for offer benefits on SmartBuy."


Note: we’ll receive cashback for those GVs where pay with Payzapp option comes. For Amazon GV it does not come.

Mumbai Indians Mumbai Indians
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Sure true except Amazon Pay rest all wallets are pretty garbage. To save few bucks always gets some money stuck in XYZ wallet & then need to play more to get that money back to the bank account. Damn hectic, to increase the trouble now every app is coming with their own wallet. Zzz, have few bucks stuck in free charge, mobikwik, payzapp & some more wallets will withdraw everything from them & will stick to one single Amazon Pay.

Deal Newbie Deal Newbie
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LightYagami wrote:

https://offers.smartbuy.hdfcbank.com/offer_deta...

Only pay with PayZapp via PayZapp wallet will be eligible for the offer. Transactions done by entering 16 digits of PayZapp card followed by CVV will not be eligible for offer benefits on SmartBuy.

I did not know about it too. I had raised issue for month of October.

The customer care person told me 

Please note basis the revert received from PayZapp, we have found that the August transaction was done by using Payzapp card as debit card, however effective Feb 22 there has been a revision in this, please refer the SmartBuy T&C link https://offers.smartbuy.hdfcbank.com/offer_deta..."

1) Offer Applicable on Pay with PayZapp option too.

The offer as per the linked card used for completing the transaction would be applicable.

2) Only pay with PayZapp via PayZapp wallet will be eligible for the offer.

Transactions done by entering 16 digits of PayZapp card followed by CVV will not be eligible for offer benefits on SmartBuy."


Note: we’ll receive cashback for those GVs where pay with Payzapp option comes. For Amazon GV it does not come.

https://cdn0.desidime.com/attachments/photos/747825/original/Screenshot_2022-03-02_232011.jpg?1646243484

Somehow the calculation for cashback still shows 5% cashback for Payzapp Card.
However, I just noticed that  sentence saying “Basis RBI regulations, wallet-to-wallet fund transfer is not allowed, hence PayZapp is not available as a payment option for Amazon Pay Gift Cards.” Don’t know if it was there before

Delhi Capitals Delhi Capitals
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hackerboys wrote:

amazon rupay 20% ends in march 😐

i remember many were telling about many round the years offers ssame thing HDFC smartbuy / amex reward multiplier/axis grab /sbi yono 

Deal Lieutenant Deal Lieutenant
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Shaan442 wrote:

https://cdn0.desidime.com/attachments/photos/747825/original/Screenshot_2022-03-02_232011.jpg?1646243484

Somehow the calculation for cashback still shows 5% cashback for Payzapp Card.
However, I just noticed that  sentence saying “Basis RBI regulations, wallet-to-wallet fund transfer is not allowed, hence PayZapp is not available as a payment option for Amazon Pay Gift Cards.” Don’t know if it was there before

I don’t remember Payzapp was a option for Amazon GV ever. 
Also we can’t go by the discount the gyftr page is shown , it is HDFC , anything can happen
I just got to know because the customer care person told me.
So in future they can deny us cashback pointing out that in t&c.

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