PayPal Rewards CardPayPal Rewards Card Experience

Design a seamless credit card experience within PayPal’s ecosystem while:

• Aligning with two distinct brand systems (Citi + PayPal)
• Integrating with existing PayPal post-login flows
• Supporting end-to-end lifecycle (application → usage → management)

• Led UX design from early concept to high-fidelity delivery
• Defined end-to-end user journeys across onboarding and card management
• Collaborated with cross-functional stakeholders across Citi and PayPal
• Translated ambiguous requirements into structured product flows

• No access to PayPal’s internal design system during early stages
• Required to design within strict brand expectations without formal guidelines
• Multiple stakeholders across organisations with differing priorities
• Needed to align Citi’s backend capabilities with PayPal’s UX patterns

To navigate ambiguity, I reverse-engineered PayPal’s existing product patterns and created low-fidelity flows to validate direction early with stakeholders.

I designed end-to-end user journeys covering:

• Card application
• Rewards visibility
• Transaction tracking
• Payment flows

These were progressively refined into high-fidelity prototypes, ensuring alignment across both Citi and PayPal teams.

• Prioritised familiar PayPal interaction patterns to reduce user learning curve
• Used progressive disclosure to simplify complex financial data
• Integrated card features within existing PayPal flows instead of creating parallel experiences
• Designed for both positive and edge-case scenarios (e.g., failed payments, limits)

• Enabled stakeholder alignment across Citi and PayPal for product direction
• Accelerated transition from concept to high-fidelity design
• Established a scalable UX foundation for future co-branded integrations