App is good and interface is quick. The customer service is the worst in the industry. Many incidents of incompetency but to highlight. I was pestered and urged to take their "pre-approved" Citibank branded credit card. Which I confirmed reluctantly. Citibank approved and sent me the card on 5th November. Since then this card was NOT linked to Paytm account not Paytm First membership. Despite many attempts to raise this complaint all I get is "we tred to call" BS.. 3 months later its not resolv