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Instant credit card - Start shopping in 3 minutes

PaySay is India's first and only Instant use credit card. Sign-up to approval to your first payment takes just 3 minutes. No need to wait 3 weeks for your credit card to arrive.

How to get PaySay?

Simply download our mobile app and sign up with your mobile no. We need very basic KYC documents and approve your application instantly without any manual intervention. As soon as your application is approved you will see your credit limit on the screen. Your credit card is now active.

Documents Required :



ITR (Income Tax Return)

Sign-up Process:

Download the App

Enter Mobile no. and confirm OTP

Enter your email id and PAN no.

Scan your Aadhar Card

Allow PaySay to fetch your ITR from your email -or- upload your latest ITR

That's it. Your credit card is active. Now start shopping

How long do i have to wait for approval?

There is no wait. There is no manual intervention, there is no credit officer who will evaluate your application. Everything is done by our intelligent credit underwriting algorithm. All applications are processed instantly.

How long do i have to wait to start making payments

There is no wait. You can start paying with your PaySay app immediately. There is no need to wait 2-3 weeks for a physical card.

How do i pay at a store using PaySay?

Pay with PaySay by scanning any QR code inside the PaySay app. We work with all QR codes from all major wallets like PayTM, Freecharge and BharatQR. You can also choose a store from a list of nearby stores which will automatically appear based on your location.

Will i get need a physical card also?

No. You won't need a physical card. Your phone is now your credit card

Is there a joining fee or an annual fee?

No. PaySay has 0 Joining fee and 0 annual fees.