Tez is one of the digital payment app, where you can transfer money to a person with his registered mobile number. For each transaction you will receive a scratch card as a bonus and you may or may not receive extra cash from it. Initial impressions were good when it was launched, but later most of the times I used to get Better Luck Next time when I scratched my card.
Scratch cards can be received by making transactions with 5 different people in a week.
You can also get a card for referring you friends.
But the real problem is you will get card for Name sake, but when you scratch it you won't be seeing any offers or cash back.
Phone pay is far better compared to tez.