Check Updated Tncs on the Smartbuy Portal.
If you Transact via Payzapp Shop Section then you are eligible for only 3% instant Smartbuy Cashback in Payzapp Wallet in the form of Payzapp Cash Points
To get Eligible for 5% Smartbuy Cashback in the form of Debit Card Reward Points, which will be credited after 90 days, you have to transact Directly via Smartbuy Website.
As per tncs this 3% Payzapp offer is noting but replacement of 5% offer in case anyone do txn through Payzapp Shop Section.
if you can wait patiently for 90 days then avail 5%, otherwise avail instant 3%