I’m using this app for a year. There is an option to have secured credit card. With this I was able to create a good credit history. You can also increase the credit limit by depositing more money. My credit score has improved in past 6 months. It also has FD option where your payment for secured credit card will earn you some amount over years. It has some issues when scanning Merchant QR. Need to go back and scan again sometimes, Otherwise it was good.