Hey friends, I am an android developer and have used tez alot. I and my colleagues used to transfer amount to each other just to get the coupons. Earlier we used to get good benefits out of it, like 60-70 rupees on 2 out of total scratch cards available in a week. But recently we are unable to make any amount out of those cards. So, it seems as if the company was just tempting customers to just join their app without giving them consistent future benefits. Though PhonePe is a good app and also giving good benefits but the rewards are in the form of cashback which cannot be transferred to any other friends or bank account.