Returning three permanents to your hand from your graveyard for five mana is a decent rate, better than similar cards like Restock, although it's been a long time since I've seen Restock show up in a competitive deck
Instead of paying 1 life to tap for any color, it taps for 1 of any color of mana, with the idea that you would often suffer point of mana burn making it a slightly better City of Brass
Most BNPL plans require you to pay off the rest in three fixed installments, but payment schedules can vary
This card is listed as number 249 in the set and is considered a special illustration rare
Mind you, Im not a hardcore CCG player, and I dont usually seek these experiences out, but Ive got a few friends who play these games competitively or judge competitions, and I trust their assessment based on the Lorcana starter sets