Introducing lazycard

Bigger, better rewards like never before

Early Access

Card for Everyone

Crafted for you to create impact.

  • Sai

    Kurapati  Sasidhar, 23 years old, Intern:
    I have been using LazyPay for the past 2-3 years and I have to say that it’s the best Buy Now Pay Later app I have ever used! I really like the convenience of UPI ID payment. I’m eagerly waiting for LazyCard. Super excited!

  • Saket

    Saket, 31 years old, Cloud consultant:

    LazyPay has given me the freedom to make worry-free payments. It is present on multiple platforms as Buy Now Pay Later and there are no extra charges. The security is also top-notch and the UI is great. What more could you ask for in an app? 

  • Karthik

    Karthik Yerram, Chartered Accountant, 27 years old: 

    I can shop and order anywhere whether offline or online using BNPL at leading platforms like Zomato and Myntra. We can Repay it within 15 days without no extra charges. 

  • ayush

    Ayush Kushwaha, Photographer, 20 years old: 

    I’m a foodie! LazyPay helped me order whatever I want anywhere, anytime. I have 18 days and that’s enough to pay and keep yourself happy. Thanks LazyPay ❤

  • Manikanta-Guduri

    Manikanta Guduri, Self Employed, 25 years old:

    I love LazyPay, because it’s very convenient to use. I can pay bills and there are no pin or passwords. It’s also very quick and the payment is made within 5 seconds when I hit confirm to pay.

  • Ankur singh

    Ankur Singh, Blogger, 24 years old:

    LazyPay is a life saver for me! There was a time when I was in a lot of financial trouble. LazyPay helped me a lot when I didn’t have a credit card. I am forever grateful to LazyPay. Thank you!

  • Nikhil-Vyas

    Nikhil Vyas, Student, 21 years old: 

    LazyPay is a new age financial instrument and a definitive way of analyzing the spends on a 15-day cycle. It is an efficient way to overcome financial problems.

100% approval rate100% approval rate
No credit history requiredNo credit history required

A world of super rewards

Rewards designed to turn your world around.

₹500 cashback on your first card transaction, Upto 5% Cashback on every purchase




all over india

Transparency without conditions.

No hidden or annual fees
No hidden or annual fees
Instant cashback
Instant cashback
Low interest rates
Low interest rates
Lifetime Free Card
Lifetime Free Card

Your money is always safe with us

Created in partnership with SBM & Visa, in compliance to all RBI guidelines.

Your money is always safe with us

SBM bankVisa

Get your card now

or get the link on your phone

Download LazyPay App to claim your card


Frequently asked question

How to use Credit Card?

A credit card is a way of bringing financial convenience by giving you the power to make instant credit-based transactions. They are different from debit cards – which are directly linked to your bank accounts and immediately remove money from your bank account after the transaction is activated. Credit cards, on the other hand, give you the ability to make any transactions by getting instant credit from your provider and are independent of your bank account balance.


You also get a period of time before you have to pay for your transaction, giving you a grace period till when you have the freedom to pay back the amount. Every credit card has a specified credit limit, which specifies the maximum amount you can spend during your transaction. This credit limit is specified according to your financial status and can be increased if you have a good standing in your credit score.

What is a Credit Card Statement?

A credit statement is a document sent by the bank on a monthly basis. This document contains all information related to purchases, payments, outstanding amount, available credit limit and more that was done within the month. It also contains information about any reward or rebates you are eligible to receive.

What are the benefits for LazyCard?


  1. Fewer entry barriers for getting the prepaid card
  2. Powered by VISA. So can be used for both domestic and international transactions 
  3. Available in both physical and virtual form 
  4. As long as you have KYC documents, you can easily get the LazyCard 
  5. Get cashback offers after signing up. Also, get cashback on every transaction
  6. All operations related to the card can be directed by you using the LazyPay App
  7. Get multiple rewards with every referral
How can I find out the date of my LazyCard bill?

To find out the date of your LazyCard bill, you just need to log into your account on the app. You can access all functions and information about your account here. This includes details about your bill, the due date for payments, upcoming offers and more.

What is the difference between a credit card and a debit card?

Both credit cards and debit cards are instruments used for financial convenience. But there are elements that make both of them different from each other. These elements include:

Mode of Payment

When you use a debit card for a transaction, the amount is directly taken from your bank account. This is because Debit Cards are directly linked to your bank account (such as a salary or savings account).

Credit cards, on the other hand, work on the principle of buy now pay later. When you use a credit card for a transaction, the amount is taken from your credit card provider, who extends your credit for a specified time period. Credit cards also offer other rewards for each transaction.

Credit Limit

Every credit card offers its user a monthly credit limit. This limit is subject to change according to the kind of card you are using, your relationship with your bank and your credit score or credit performance.

ATM withdrawals

You can withdraw money from an ATM using a credit card and a debit card. When you use your credit card in this situation, you incur a withdrawal fee and interest. But when you use a debit card for the same purpose, you do not face a cash withdrawal fee, especially if you’re using your bank’s ATM.


Most credit cards offer users up to 50-days of interest-free credit. If you don’t make the required payment by then, you will incur interest. Debit cards, on the other hand, don’t have any interest since the money is paid directly from your bank account.



Credit cards generally have basic eligibility criteria for determining users. This includes an examination of the user’s income, existing relationship with the bank and credit score. There is usually no criteria other than owning a savings or current account for getting a debit card.

Security features

You have to use a PIN and OTP to use both a debit card and a credit card. Credit cards have an additional feature of zero liability insurance for stolen and lost cards, which is not offered in the case of debit cards.

What is the cash limit on my credit card?

Your credit card can be used to withdraw cash from an ATM, but there is a limit attached to it. This limit generally ranges from 20% – 40% of your overall credit limit. This means that as your credit limit increases, so does your cash limit.

About Credit on LazyCard

LazyCard is the newest revolutionary offering from leading financial services provider LayPay. The LazyCard brings you ‘The Credit You Deserve’ in the form of a prepaid card that mimics the features of a credit card to provide people with the means to carry out financial transactions without worrying about their bank account balance. This prepaid card offers the same type of convenience that a credit card does, but it is not a credit card. The credit provided by the LazyCard is dependent on the prepaid nature of the card. It is also boosted by the rewards received on every transaction.

Where Can I Use The LazyCard?

The instant credit prepaid card – LazyCard, is an extension of services offered by India’s leading BNPL player LazyPay, which is associated with over 50 merchants in the arena of food, travel bookings, OTT platforms and more. You can use the LazyCard when availing the services of merchants like Zomato, Dunzo, BookMyShow, Practo, Big Basket, Ixigo and many other brands.

How to Apply for LazyCard?

Applying for a LazyCard is an easy process. To get this instant credit prepaid card, you need to download our app and visit the LazyCard tab. There you can input your KYC details and send them for review. Once your documents are verified, your application will get approved, and you will get the LazyCard.

Digital Credit Card Eligibility

A digital credit card or online credit card is a virtual entity that helps you make credit-based transactions without carrying around a physical card. At present, digital credit cards are only being given to existing credit card users as an add on feature.

Credit Card Rewards and offers

Credit cards and instant credit prepaid cards like LazyCard offer their users multiple benefits upon each transaction. The prepaid card and credit card offers include:

    • Points that can be redeemed for offers
    • Cashback
    • Discount coupons
    • Travel miles & more