Hello Everyone @ Finanjo Community..Hows your Miles Chasing journey going.
So as My FOMO hit i am also entering hdfc ecosystem?? Where are the Credit Card Sailors of this community…
First of all Congratulation for entering the HDFC Ecosystem..I hope it serve your expectations. Here is my personal exp i have gained in 2 years of using it…
So PayZapp is basically HDFC’s all-in-one digital wallet + UPI + payments app. Surprisingly, you don’t need an HDFC account to use it — works for non-HDFC folks too. You can do the usual stuff like mobile/DTH recharges, bill payments, UPI transfers, book tickets, shop online, and link HDFC credit/debit cards for swipe-to-pay. If you’re brave enough to complete full KYC, you unlock higher wallet limits and can even transfer money from the wallet to your bank account — which honestly isn’t bad.
Now the not-so-fun parts:
The UI looks like it took a wrong turn in 2016. Looks like it hasn’t been updated since demonetization 
But It works, but don’t expect it to compete with GPay or PhonePe in terms of smoothness. Also, weird quirk — you can’t use wallet balance for UPI QR payments, which is a dealbreaker for a lot of people. Refunds? Kinda slow. And unless you’ve done full KYC, your wallet is basically just decorative.
So In One Liner
If you have HDFC + Finanjo + this app + patience + luck = cashback
