Payzapp is one type of E wallet facilities provided by HDFC. There is nothing any special advantage of keeping this app. HDFD Bank App is much better than Payzapp. In some brand its provides upto 5 % cashback.
This app is not as usefull for everyone. Mobile recharge and bill payment can be accecible but shows error such as transaction failed, Invalid request etc. You can pay mobile bills, DTH bills
Over all app is not worth I will give 1.5 star out of 5.