How do u do transaction?

Next target Get a Rupay Credit Card for UPI

As convenient UPI might be, cash must be king.

We, the people, will lose a lot of power once cash becomes redundant. Your banks can be emptied or frozen (check what happened to truckers who protested in Canada). Taking away your cash isn't so easy as of now - even demonetisation requires exchanging your notes.

Got RuPay CC last week. Been UPI all the way with that. Best of both worlds. Might close all other CC

Credit Card primarily to build and sustain a healthy credit score just in case I ever need a loan for something in the future.

90% CC
10% UPI

My only cash transaction is Maid's salary.

You've asked two different questions. What people use vs what people prefer can often be different.

Axis bank CC on Samsung watch . And upi where they don't have machine.

Mostly CC, and Rupay CC UPI in places where I don't want to take my wallet out.

Tap to pay with Credit card works even when their is poor network reception.

Funny story, mom gave me a few notes for something and I had to re look at the notes 2 times to remember which one was which! I’m so out of use with cash that I had completely forgotten! I try and maximise my cc usage only to achieve points and spend targets, for everything else there’s UPI 🙃