Was skeptical to share this on Twitter but here goes - I have been using google pay since Apr 2018 when the rewards were ~ 500 inr cash backs. When I left, back in 2022, the rewards were merely few coupons that weren’t usable. Cred was a huge deal (still is) for cash backs although I never used it (this is when Cred was in the neumorphism phase) I don’t understand why 1) the recent Tap & Pay by Cred is revolutionary? Since Apple Pay already is relevant and has amazing UX? 2) people are saying UPI is best thing that happened to India and other countries are missing out on it? I have been using Apple Pay a lot in the past year and I am not sure what point am I missing? This is a genuine query🥸

Also finance ministry has promised 0 charges for UPI for foreseeable future. CC/Debits incur about 2%. In practice this point alone holds the most weightage. Just today I went to my local hardware store for bathroom fittings, the store owners themselves encourage to pay via UPI to save the fees on card txns or straight up tell you to pay 2-3% extra if you want to use card.