PolyPay vs Samaj Kalyan iSmart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PolyPay
Exchange unwanted gift cards for ones you prefer. This platform connects you with others to swap gift cards, preventing them from going to waste. Easily convert unused credit into funds for brands you actually want to shop with.
- Exchange unwanted gift cards
- Swap gift cards with partners
- Convert unused credit
- Secure platform
- Access desired brands
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PolyPay turns unwanted gift cards into the ones you actually want. Stop letting well-meaning gifts go to waste - instantly exchange your unused gift cards for brands you love. Our secure platform matches you with perfect swap partners, so you can effortlessly turn that coffee shop card into your favorite clothing store credit. Never let another gift card collect dust again. Download PolyPay and start shopping where you want.
Samaj Kalyan iSmart
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Samaj Kalyan iSmart is smart mobile banking and finance app for customers who want to use following features: Account Information Send Money & Receive Money Bills and Utilities Payments QR
Screenshots
Verdict
The clearest difference is update cadence: Samaj Kalyan iSmart at every 7 months against PolyPay's every 19 months. PolyPay's advantage is iOS requirement (13.4 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PolyPay ships an update every 19 months, Samaj Kalyan iSmart every 7 months. The most recent releases landed on October 3, 2026 and October 2, 2026 respectively.
| Parameter | PolyPay | Samaj Kalyan iSmart |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 19 months | Every 7 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.4 — better | 15.6 |
| Further details — not scored | ||
| Size | 14 MB | 82 MB |
| Age rating | 4+ | 17+ |
| Developer | Poly Pay Inc. | Devanasoft Pvt Ltd |
In-app purchases
PolyPay
No in-app purchases
Samaj Kalyan iSmart
No in-app purchases
Questions
Is PolyPay free?
Is Samaj Kalyan iSmart free?
Do PolyPay or Samaj Kalyan iSmart have ads?
Which is updated more often, PolyPay or Samaj Kalyan iSmart?
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