All cards / IndusInd Bank (LazyPay)
LazyPay Credit Card (IndusInd Bank)
RuPay
LazyPay Credit Card (IndusInd Bank)
LazyPay, PayU's buy-now-pay-later brand, moved into full-fledged RuPay credit cards issued via IndusInd Bank, letting its existing 'Lazy' pay-later checkout users graduate into a formal credit line rather than a one-off BNPL instalment. It's a straightforward, fee-free entry card best suited to people already checking out with LazyPay online.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛍️ Shopping
1.5% reward rate
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 21–58
Benefits
- Cashback credited within the LazyPay app, building on LazyPay's existing pay-later checkout integrations with major e-commerce merchants
- RuPay credit-on-UPI enabled for scan-and-pay spending
Pros
- + No joining or annual fees
- + RuPay credit-on-UPI support for scan-and-pay
- + Smooth upgrade path for existing LazyPay pay-later users into a full credit card
Cons
- − Reward rate is modest and category coverage is narrow
- − No premium travel, lounge, or insurance benefits
- − Limited value for anyone not already using LazyPay's checkout ecosystem
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