How Teens Can Use FamPay Cards, UPI & Rewards

What is FamPay?

FamPay is India leading teen-focused payments app, designed for users under 18 to make online/offline payments without needing a bank account. With FamPay, teens get a numberless prepaid card, UPI access, rewards, and gamified savings – all under parent supervision.

Why FamPay Became Popular in India ?

1. Teenagers can experience real digital payments.

2. Parents get full control of spending.

3. No bank account needed.

How to Create FamPay Account Step-by-Step Guide

1. Download the App – Visit FamPay website or Google Play / App Store.

2. Sign Up – Enter your mobile number and link it to a parent KYC.

3. Complete KYC – Parent completes verification to enable full app features.

4. Set UPI – Create UPI for payments.

5. Add Money – Load money into your FamPay wallet from parent bank.

6. Explore – Start using the card, UPI, rewards, and gamified saving features.

FamPay Referral Program – Earn Rewards

1. Signup Bonus : ₹51 ₹50 for UPI setup + ₹1 for KYC

2. Refer Friends : Share your referral link in the ‘Invite’ section of the app.

3. Rewards for Referrals : Earn up to 1,000 coins + a lucky draw coupon per referral.

4. Claiming Rewards : Ensure the referred person completes KYC. Rewards credited within 24 hours.

5. Limit : Max ₹5,000 rewards per month.

6. Eligibility : Must be 18+, have an Indian mobile number, and refer only non-users.

7. Availability : Only valid in India.

FamPay UPI for Teens – How It Works

1. Linked to parent bank account.

2. Teens can send, receive, and pay online.

3. Works without a personal bank account.

4. Parental monitoring ensures safe usage.

FamPay Wallet Limits in 2025

1. Daily limit : ₹50,000 subject to app/parent settings.

2. Monthly limit : ₹2,00,000 typical for prepaid wallets.

3. ATM withdrawal limit : ₹10,000/day depends on card type.

Is FamPay Safe? Security Features Breakdown

1. RBI-approved prepaid wallet

2. Numberless card

3. Device binding & 2FA

4. Parental monitoring

5. Instant freeze/unfreeze

FamPay Card Designs All Variants

Card Type	Features
FamCard Lite	Virtual only, basic controls
FamCard Numberless	Physical + virtual, Tap & Pay, custom designs
FamCard Black Premium	Metal-style, cashback boosts, exclusive rewards

FamPay Parental Controls – Full Guide

1. Set spending limits.

2. Block/unblock the card.

3. Track all transactions in real time.

4. Add funds anytime.

5. Enable/disable online/offline payments.

FamCoins – How to Earn & Redeem

1. Earn FamCoins for every transaction.

2. Redeem for :

1. Gift cards.

2. Brand vouchers.

3. Shopping discounts.

4. Food & gaming credits.

3. Gamified goals encourage saving & responsible spending.

FamPay for Gaming Payments

1. Buy in-game credits or subscriptions.

2. Redeem FamCoins for gaming vouchers.

3. Safe prepaid card ensures fraud protection.

FamPay Card Types 2025

FamCard Lite Basic Version	FamCard Numberless Card	FamCard Black Premium
Virtual card only – no physical card.	Both physical + virtual card available.	Metal-style black card with a premium look.
UPI + online payments supported.	Numberless design – no card number, CVV, or expiry printed on the card.	Priority rewards – extra FamCoins and higher cashback.
Free to use – no extra charges	Tap & Pay for contactless payments.	Cashback boosts on select categories.
Basic controls – parents can set limits and pause the card.	Parental controls – spending limits, block/unblock, track activity.	Exclusive offers and perks.
👉 Best for : Simple online payments and UPI use.	👉 Best for : Teens who want a secure physical card for online + offline shopping.	👉 Best for : Users who want a premium design + better rewards.

FamPay – Detailed Explanation 2025

UPI for Teens

FamPay allows teenagers to make UPI payments without having their own bank account.

The parent completes KYC, loads money into the teen’s FamPay wallet, and the teen can use UPI anywhere.

Benefits :

1. Teens can pay at shops, online stores, and friends.

2. No need for debit card or bank account.

3. Completely controlled by parents.

Numberless Card Security

1. FamCard is India’s first numberless card.

2. There is no card number, CVV, or expiry date printed on the card.

Why this is safe :

1. If someone steals the card, they cannot misuse it.

2. All card details stay securely inside the FamPay app.

3. The card can be paused or blocked instantly.

Parental Monitoring

FamPay is designed for safe teen spending. Parents get full control :

Parents can :

1. Set spending limits

2. Block or unblock the card

3. Track every transaction in real time

4. Add money anytime from their bank

5. Enable or disable online/offline payments

This makes it easy to teach responsible money habits.

FamPay Charges & Fees 2025

1. Feature Price.

2. App Registration Free.

3. Virtual Card Free.

4. Physical Card ₹299–₹599 depends on card version/design.

5. UPI Payments Free.

6. ATM Withdrawals ₹10–₹20 approx.

Who Should Use FamPay?

Teenagers 11–18 years

1. Can learn digital payments early.

2. Can shop online safely.

3. Can use UPI without a bank account.

Parents

1. Want to teach money management.

2. Want full control over teen’s spending.

3. Want safe alternatives to cash.

Students

1. Perfect for online shopping.

2. Useful for school/college payments.

3. Easy for managing daily expenses.

Young Creators or Gamers

1. Can receive money from parents easily.

2. Can buy game credits, subscriptions, and creator tools.

3. Earn FamCoins and redeem gaming vouchers.

4. Secure card for online platforms like Play Store, Steam, Xbox, etc.

Pros & Cons of FamPay

Pros :

Great for financial learning :

FamPay helps teenagers understand money management from a young age.

Teens learn :

1. How to budget.

2. How to track expenses.

3. How to save for goals.

4. How digital payments work.

This builds real financial discipline early in life.

Secure payments :

FamCard is numberless and protected by :

1. Device binding.

2. 2FA authentication.

3. Instant freeze/unfreeze.

4. Parental monitoring.

This makes it safer than regular debit cards for minors.

UPI enabled :

Teens can use UPI for :

1. Shop payments.

2. Online purchases.

3. Splitting bills.

4. Sending/receiving money.

5. Without needing a bank account of their own — only parent KYC is required.

Excellent design & user experience :

1. FamPay has a very modern and clean app design.

2. Teen-friendly interface.

3. Easy controls for both teens & parents.

4. Smooth onboarding.

5. Attractive card designs including premium options.

Rewards and gamification :

FamCoins make spending fun.

Teens get :

1. Rewards on transactions.

2. Special offers.

3. Redeemable vouchers.

4. Gamified savings challenges.

This motivates responsible spending rather than impulsive shopping.

Cons :

Some fees for physical cards :

Virtual card is free, but physical cards cost money ₹299–₹599 depending on design.

Premium cards or replacement cards may also have extra fees.

KYC approval depends on parent :

The teen cannot complete KYC alone.

A parent/guardian must :

1. Verify identity.

2. Complete KYC.

3. Load money.

Without this, features remain limited.

Not a full bank account :

FamPay is a prepaid wallet, not a traditional bank.

That means :

1. No interest on balance.

2. No cheque/deposit features.

3. Limited financial services.

It’s mainly for spending, learning, and light saving.

FamPay is one of the best financial tools for teens in India.

It’s safe, secure, and extremely easy to use, making it a perfect choice for :

1. Online shopping.

2. UPI transfers.

3. Subscriptions OTT, games, apps.

4. Managing pocket money.

5. Learning budgeting and savings.

6. If you’re a teen, it gives freedom.

7. If you’re a parent, it gives control and peace of mind.

FamPay is a safe, secure, and teen-friendly financial app that combines numberless card security, UPI payments, gamified savings, and parental controls to teach responsible money management. With features like FamCoins rewards, a referral program up to ₹5,000/month, and multiple card options, it makes online shopping, gaming, and everyday payments simple and fun. While physical card fees and parent-dependent KYC are minor limitations, FamPay remains an ideal tool for teens to gain financial independence while giving parents confidence and control.

FamPay Frequently Asked Questions FAQ :— 

Q : What is FamPay and how does it work for teens?
A : FamPay is a prepaid‑wallet + payment app made especially for teenagers. With FamPay, minors can get a card numberless or virtual, use UPI, make online/offline payments — even without a full bank account — as long as a parent completes KYC and links the account.

Q : Is FamPay safe to use?
A : Yes — FamPay uses a ‘numberless card’ no card number, CVV or expiry printed, stores card details securely in the app, and requires device‑locks PIN / fingerprint / Face‑ID for transactions. Cards can be paused or blocked instantly

Q : Do I need a bank account to use FamPay?
A : No. FamPay does not require a traditional bank account. Users load money into the FamPay wallet or receive funds via parent/guardian, then spend or transfer via the prepaid card or UPI.

Q : What are the charges / fees for using FamPay?
A : Basic use — app sign‑up, wallet creation, and virtual card — is free. Physical card issuance may involve a fee depending on card variant.

Q : Can teenagers use UPI through FamPay?
A : Yes — FamPay supports UPI payments for teenagers linked through a parent/guardian’s KYC. 

Q : What if I lose my FamPay card?
A : Since FamCard is numberless, even if the physical card is lost/stolen, no card‑number is exposed. You can instantly pause or block the card via the app. 

Q : Can parents monitor my transactions?
A : Yes. FamPay is built for family / teen use: parents can track spending, set limits, and control the card — making it safer for minors.

Q : Are there hidden charges or minimum balance requirements?
A : No. FamPay states there are no hidden charges, and there’s no mandatory minimum balance requirement.

Q : Where can I use the FamPay card? Online and Offline?
A : The card works for online payments and offline payments at any merchant that accepts card/UPI payments through its payment network.

Q : Is FamPay only for teenagers, or can adults use it too?
A : FamPay is primarily aimed at teenagers under 18 under parental supervision. Officially, the service was designed to bring digital payments to minors securely. 

Q : How do parents send money on FamPay?
A : Parents can top up their child’s FamPay account using their linked bank account. The child can then use this money via the FamPay card or UPI for online/offline purchases. Parents can monitor spending, set limits, approve or deny transactions, and block/pause the card if needed. For children under 16, parental consent is mandatory, and the parent has access to a dedicated dashboard to oversee balance, transaction history, and savings goals.

Q : How does FamPay work?
A : FamPay is a prepaid wallet + card system designed for teenagers. After account creation and parent KYC approval, teens can make UPI payments, online and offline purchases, and earn rewards FamCoins. Parents can set spending limits and monitor activity in real time.

Q : Can I use my FamPay card at an ATM?
A : Yes, you can withdraw cash from ATMs using the FamPay card, but fees may apply typically ₹10–₹20 per transaction depending on the card type.

Q : Can a 13-year-old use Google Pay?
A : Yes, teens aged 13–18 can use Google Pay with parental consent in India. They get access to core features like paying friends, shopping online and in stores, and recharging mobile plans, but are restricted from unsuitable content. Parents must approve terms and oversee activity.

Q : What is the minimum balance in FamPay?
A : FamPay does not require a mandatory minimum balance. You can keep any amount in the wallet as per your needs.

Q : Is there a monthly fee for FamPay?
A : No. The FamPay app and virtual card are free. Physical cards may involve a one-time issuance fee ₹299–₹599 depending on card type.

Q : Can I withdraw money from my child’s FamPay account?
A : Yes, parents can withdraw funds from their child’s FamPay wallet via ATM or transfer, depending on linked accounts. Parents retain full control over transactions.

Q : How do I add money to my Play Store account using FamPay?
A : You can link your FamPay card as a payment method in Google Play. Add money to your FamPay wallet first, then pay for apps, games, or subscriptions.

Q : Can a minor use UPI?
A : Yes. Teens under 18 can use UPI through FamPay with parental approval. The parent must link their bank account and complete KYC.

Q : How do I get my UPI ID on FamPay?
A : After creating a FamPay account and completing parent KYC, you can generate a UPI ID in the app. This ID allows safe digital payments.

Q : Can I delete my child’s FamPay account?
A : Yes, parents can delete or close their child’s FamPay account from the parent dashboard. All wallet balance and linked card activity must be cleared before deletion.

Q : What if my child refuses to be removed from FamPay?
A : Parents have ultimate control for accounts under 16. The parent dashboard allows suspension, card block, or account deletion regardless of the child’s consent.

Q : How do I convince my parents to trust me with FamPay?
A : Demonstrate responsible use :

1. Track your spending

2. Stick to budgeted limits

3. Use FamCoins and rewards responsibly

4. Keep parents updated on transactions via the FamPay app

This builds trust and may allow parents to give more freedom gradually.