Gift cards are customized cards and cannot be used to encash the balance . You can only use it to swipe it at POS machines to pay for expenses. On a side note many retail outlets pay you the amount you swipe on them after deducting a charge , Once logged in, click on 'Online Payments'. It will take you to the premium payment portal Select the policies for which you wish to make payments and click on 'Check & Pay'. 4.The portal will ask you to confirm the details such as mobile number, email id and premium amount once again. Click on 'Check & Pay' after confirming the details. HDFC Bank PayZapp, a complete payment solution, giving you the power to pay in just One Click. With PayZapp, you can shop on your mobile at partner apps, buy movie tickets, groceries, compare and book flight tickets and hotels, shop online and get great discounts at SmartBuy, send money to anyone in your contact list or to your bank account, pay bills and recharge your mobile, DTH and data card and many more.