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Welcome to ExlPayLite

our smart solution for effortless digital payments. Powered by Excel Core Solutions, ExlPayLite is a digital prepaid card and wallet that allows you to make secure purchases at approved merchant partners while earning exciting rewards with every transaction. Unlike connected banking apps like Paytm, GPay, or PhonePe that rely on UPI infrastructure, ExlPayLite operates as a standalone digital prepaid system—giving users unique benefits such as redeemable reward points on specific purchases. Say hello to a seamless, rewarding payment experience—only with ExlPayLite.

Why Choose Exlpaylite?


Enjoy smooth and secure payments at authorized merchants.
Earn and Redeem Valuable Reward Points
Refer Friends and Earn Commissions
Seamless Peer-to-Peer Transfers within the Network

ExlPayLite vs Other Banking Credit Cards

Features ExlPayLite Banking Credit Card
Mode Prepaid Credit or Loan
Joining Fee ₹0 (Free) ₹500 to ₹1500+
Annual Maintenance ₹0 Higher Charge based on Card Value
Reward Points Yes, Convertible to Main Wallet Balance
(4 Points = ₹1)		 Yes, Usually not transferable to main balance
(10 Points = ₹1)
Interest on Usage No Yes

Frequently Asked Questions

ExlPayLite stands apart from traditional connected banking platforms. As a digital prepaid wallet, it offers unique benefits such as redeemable reward points earned through purchases made at selected merchants. This is an advantage not typically available with standard UPI-based apps.

Yes, the wallet has an upper limit of ₹1,00,000. If the balance exceeds this limit for any reason, the excess amount will be automatically refunded to the user’s registered bank account on the next day, after deducting a 3% penalty and applicable 18% GST.

Bank withdrawal is not possible, but you can transfer money via any UPI QR scan quickly and securely.

No Annual Maintenance Charge and no Joining Fee—everything is completely free with no hidden costs or recurring fees.

You can load money into your ExlPayLite wallet using the “Load Money” option in the app. A platform fee will be added to the amount during the transaction.

Yes! Every eligible purchase earns you reward points, which can be converted into your main wallet balance.