Next-gen credit, built smarter

Your first credit card.No plastic.

paizy~

5299  78••  ••••  4021

Cardholder

Abhiman Panwar

Valid thru

12/29

The Paizy card is a virtual RuPay credit card that lives in the app and pays through UPI. Scan any QR, pay on credit, and build your credit history from day one.

Join the waitlist and we'll email you when Paizy opens.

UPI payments on creditPay in 3 at 0%No-cost EMIRepay your wayCredit AIRuPay
UPI on creditPay in 3No-cost EMICredit AIRuPayLaunching soon

What it does

A day with Paizy

One card, everywhere UPI works. Here's how an ordinary Tuesday looks.

paizy~

5299  78••  ••••  4021

Cardholder

Abhiman Panwar

Valid thru

12/29

8:00 AM · UPI

Chai first. No plastic in your pocket.

Scan the stall’s UPI QR and the ₹40 goes on your Paizy card, not your bank balance.

1:00 PM · Online checkout

Biryani at your desk, bill on your card.

Check out with UPI on any app or site; your card picks up the bill and you repay on your schedule.

6:00 PM · Big buy

Headphones today. Three easy parts.

Scan the store’s QR, pay with your card, and split it into three parts at 0% interest before you leave.

9:30 PM · Utility bill

Lights stay on, even in a tight week.

Clear tonight’s electricity bill on your card and square it up when the month turns.

One card ran the whole day.

Pay in 3 at 0% interest

Split a purchase into three parts: the first now, the rest over the next two months. No interest, and the schedule is fixed before you confirm.

Truly no-cost EMI

Turn larger purchases into equal monthly instalments with no hidden processing fees and no interest. You pay the sticker price and nothing more.

Repay your way

Clear your bill in full, in parts, or on a schedule, straight from the app with UPI. Rewards are built in too, with details at launch.

You're in control

Your card, your rules

Everything about the card is managed in the app, in real time. No calls, no forms, no waiting.

See your card details

Your full card number, expiry, and CVV live in the app, secured behind your login. Check them whenever you need to.

Lock it instantly

Freeze your card with one tap and unlock it just as fast. Lost your phone, saw something odd, or just want a spending pause: the switch is yours.

Set your own limit

Cap what the card can spend each month. Change it any time; the card declines anything beyond the cap you set.

Paizy Credit AI

AI that watches your spending, so you don't have to

Spending insights in plain language, gentle reminders before due dates, and guidance that helps you use credit responsibly from your very first swipe.

Built to guide you, not to sell you more credit.

paizy~

5299  78••  ••••  4021

Cardholder

Abhiman Panwar

Valid thru

12/29

Exclusive

Paizy Core

An exclusive tier of the Paizy experience. Coming with launch.

How Paizy works

From waitlist to your first payment

  1. Join the waitlist

    Leave your email and we’ll invite you as we open access. Joining the waitlist doesn’t affect your credit score, and it isn’t a credit approval.

  2. Verify your identity (KYC)

    A short KYC check inside the app, required by RBI rules, confirms who you are before any card is issued.

  3. Your card, issued in the app

    If the partner bank approves you, your virtual RuPay credit card is issued right inside the app and linked to UPI. No plastic, no branch visits.

Eligibility

18 or olderResident of IndiaPAN + Aadhaar for KYCNo credit history needed to apply

Final eligibility and limits are decided by the partner bank.

Trust & transparency

Credit, without the small print tricks

Credit cards in India are regulated, and that's a good thing. Here is plainly how Paizy is set up.

Issued by a partner bank

Paizy is a technology platform. The Paizy card is issued by an RBI-licensed partner bank, and your card terms come from the issuer in writing.

Transparent pricing

The cost of credit is shown before you confirm, with full details at launch. No minimum-due traps designed to keep you revolving.

Your data, protected

Your data is encrypted in transit and at rest, and stored in India. We don’t sell your personal data.

FAQ

Questions, answered

When does Paizy launch?

Soon. We’re inviting people from the waitlist in batches. Leave your email and you’ll hear from us the moment your invite is ready.

Who issues the card?

Paizy is a technology platform; the Paizy card is issued by an RBI-licensed partner bank. You’ll see the issuer’s name and the full terms before you accept anything.

Do I get a physical card?

The Paizy card is virtual and lives in the app. It works wherever UPI does, so there’s no plastic to carry, activate, or lose.

What does it cost?

Joining the waitlist is free, and so is the app. If you use credit, the price is shown transparently before you confirm, with full pricing details at launch.

Are there rewards?

Yes, rewards are built in. We’ll share the full rewards details at launch.

Is my data safe?

Your data is encrypted in transit and at rest, and stored in India. KYC runs through regulated processes, and we never sell your personal data.

How do repayments work?

You repay through the app, and UPI works out of the box. Clear your full bill any time; no-cost EMI and Pay in 3 purchases follow the schedule you accepted upfront.

We're launching soon

Be first in line

We're opening access in batches. Join the waitlist and we'll email you the moment your invite is ready.

No spam, just your invite. The waitlist isn't a credit approval.