Just installed the HDFC PayZapp app and created my account. I see there’s a “wallet” feature in it, but I’m a bit confused about how to actually use it for day-to-day stuff like recharges, bills, or even shopping.
Do I need to load money into the wallet first? Can I link my HDFC account or card directly instead? Also, how do refunds or cashback work—do they go to the wallet or my bank?