Tide card cashback by credit card bill

I have rcvd tide card, but don't able to extract cashback out of it.
In many yt video they say u have to load money in tide app, that's ok.
N then u have to transfer that money in payzapp with fee of around 1.5%.
But when I m adding it's showing around 3%. What will be the benfit of 3.5% cashback after paying this much higher fee.
Plz guide
 
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