The Secret to Saving on Everyday Essentials: SNPL & Brand Cards

We all spend money on everyday essentials—groceries, food delivery, shopping, rides, and bills. But what if I told you that you could save on almost all of them, without changing your habits?

I found the answer in Pi.money. Think of it like a money-saving Swiss Army knife for everything you do in your daily life.

The app offers Save Now Pay Later (SNPL), which flips the traditional BNPL model on its head. Instead of spending first and paying later with interest, you save first, get rewarded, and then spend—with up to 21% instant discounts on 50+ top brands.

Every month, I automate my bill payments through BBPS integration on the app. That includes electricity, gas, and even mobile recharges. I never miss a deadline, and I’ve eliminated all late payment fees.

I also use discounted brand cards from Amazon, Swiggy, Myntra, Nykaa, and Uber. I load these cards into my account or use them directly to pay. Over the past three months, I’ve saved more than ₹3,000 without even trying.

This isn’t just another wallet or discount app. It’s a smart financial companion that rewards you for being disciplined with your money.