The LazyCard lets you access and use your LazyPay credit limit at any place where cards are accepted. Once you have done your KYC and have passed all our checks, your revised LazyPay credit limit can be accessed and used in multiple ways: 1. Via the LazyPay button on apps like Swiggy 2. Via UPI - using handle from LazyPay 3. Via the LazyCard Your LazyCard is one more way to access and use the LazyPay Credit limit. You can use the card at any merchant outlet that supports a card terminal that supports Visa issued cards, or use it on websites that accept Visa cards, just like any other card. There are no extra fees or charges to avail the LazyCard. Everything amazing about LazyPay remains, just as you know it but now with the access that is unparallelled! There are multiple upsides to getting the LazyCard. 1. Use your LazyPay line easily, anywhere. You can swipe the card and enter your PIN, or even tap and pay. Often, this is faster and more convenient. 2. The LazyCard is accepted, mostly, at any place that accepts a card payment. 3. You can get access to card-specific offers. Our partnership team will be hard at work to partner with brands you will like. Some of these offers will only be applicable via card spends. 4. You can use it to brag. This one explains itself :)

Applying for a LazyCard will require you to go through our Know Your Customer process. This is a fully digital process, and can be completed within 5 minutes on the Lazypay App. If you have already completed your KYC on LazyPay, you can just request for your card with a few extra steps. Your card will be shipped after you accept the terms & conditions of the card. For any questions about the KYC process, or if you have faced any challenges in completing the KYC, you can go to the KYC section of our FAQs.

You can apply for a physical card from the Card section on the LazyPay app. You can enter the address you want it delivered to, and we’ll handle the rest. You can track your card delivery status on the LazyPay app. If you have more questions, be sure to check the Card Dispatch section of the FAQs for more details. 

Once you do your KYC, our systems calculate a credit limit for you on LazyPay - which you can use in multiple ways, including via the LazyCard. If you have already completed the KYC and use partial payments and/or UPI on LazyPay, your existing credit limit on LazyPay is the credit limit for the LazyCard.

When you do your KYC on LazyPay, our systems calculate a credit limit for you. This limit isn’t fixed, but it is revised based on your usage. The main factors considered are: - How much of the limit you use: When you fully utilise your limit, it tells us that the limit you have is probably not enough. - Repaying on time: Repaying your LazyPay bills on time signals that you have no obstacles with repaying the bill amount. The two factors combined signals that you need more LazyPay credit, and that you can be trusted with it.

You can pay for your usage on LazyPay in multiple ways: LazyPay outstanding balances can be tracked & paid via the LazyPay App - it is the easiest way to stay on track! We do send reminders, so that you don’t miss dates via SMS and Emails, you can use those links to repay. You can visit LazyPay.in and log in using your phone number

LazyPay uses a common 15-day cycle across all credit products, including the LazyCard. All your transactions from the 1st to 15th will be added up into one bill, payable by the 18th(3 days later). And all your transactions from the 15th to 30th/31st will be added up into one bill, payable by the 3rd(3 days later).

Since your LazyCard is linked to your overall LazyPay credit limit, the same rules apply. If no payment is received by the due dates, there will be late fees based on your bill amounts, along with carry forward interest. We report to the credit bureaus as well. And so non-repayment or excessive delays can negatively affect your credit scores.

We don’t offer add-on cards at the moment. But it is an idea we’re exploring for the future. We will keep you informed if we introduce it.

LazyCard is not a credit card. It is used to access and spend your credit limit on LazyPay. The differences are notable in a few ways: 1. Your credit limit, billing cycle and repayments are tied to your LazyPay account - which can be accessed via UPI or the LazyCard. Your card won’t have a separate limit or billing cycle. 2. Some credit card features like setting up recurring payments, international transactions etc. - won’t work with the LazyCard. 3. A credit card will be reported to the credit bureau separately as a credit product that you’re using. With LazyPay, your entire account is reported, And the LazyCard won’t be reported separately.

The physical card, while free, has a few upper limits around issuing new physical cards. Currently, you can issue upto two cards every two months. You will not be able to get more than 2 cards every 2 months. We count replacements on account of lost or damaged cards as a new issue. If the card expires, you won’t be charged for new card issuance. Our banking and payment partners also charge Rs. 299 per formal dispute request raised that is unsuccessful. For example, if you raise a dispute with a seller saying a product was never delivered, and if the seller can prove that it was, you will be charged Rs. 299. If the seller can’t prove it, you will not be charged anything.

You can start using all of LazyPay’s products, including the card, with the minimum KYC. The minimum KYC has the following limits: - Daily spend upto Rs. 1 lakh per transaction - Yearly spend upto Rs. 1 lakh - Valid for 12 months. The documents you submitted will go through further verifications with our banking partners before your account has a full KYC. This usually takes about 7 to 10 working days. Once you have a full KYC, your limits will be relaxed to the following: Daily spend upto Rs, 2 lakh per transaction Monthly spend upto Rs. 6.5 lakhs Yearly spend upto Rs. 10 lakhs

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