What's your honest feedback on Cred UPI?

Has anyone everyone won anything useful from cred by using the cred coins... They have this spin thing on cred and earn rewards. Anyone has won what they advertise it for or just coins and random stuff?

https://www.youtube.com/watch?v=fE0frCNDccQ&ab_channel=CRED

Isn’t it just a glorified “Account aggregator” integration? Also, looks like they are riding on some TSP’s AA gateway/bridge for fetching the details. So zero points for any innovation. All in all again so much hype for an aesthetically pleasing UI!! What do you guys think?

Condition is: If you folks integrate with cred coins then I would definitely recharge my fastag and do all types of services as well. I will be loyal user :) Anyone else feeling the same?

All the cool marketing and UI/UX aside I find myself wondering what's up with Cred? Here are my questions, knowledgeable product folk or better yet people from Cred or who worked at Cred can you please help with the following questions (and associated complaints) 1) What's the point of the store anymore? The brands are actually far less premium than they're made out to be. Plus you don't get access to exclusive products. 2) The reward system is just sad now, why have they changed the logic and reduced the monetary rewards so much? What were just PLG features like earning cashback for referrals is a voucher now plus the Rs. 1 cashback is just insulting at this point. 3) I used cred cash once and I'm not going to need much more. But I'm wondering if you're catering to the top 1%, do they really need liquidity at 9% interest? 4) Cred Mint seems like a worthwhile proposition, however the returns are only marginally better than the best FDs out there. Also if they're partnering with Liquiloans, which primarily lends to other startups, isn't that risky? How will they guarantee returns if someday Liquiloans goes under?

I fail to understand why people hold cred in such high regard. So much promise, so much advertising, yet no real value for the customer. Their UI is a mess honestly. Takes so much effort to navigate that hell of a musuem that mr shah has built to masturbate upon. They started as a company that helped people pay credit card bills, now asking the same people to do UPI with “assured” cashback “upto” gimmicks. Ending up making india’s top 1 percent population play stupid arcade games to win a mind boggling 1 rs. 👏👏👏 Cred store doesn’t draw any value any more. The much advertised cred garage failed miserably. Why the hell and what the hell are they for? No real value man. They take so so much information from us. And li tell make no value for the user. Bhai kam se kam ek bhadiya credit card hi bata do spends analyse karke jisse logon ke thode zyada paise bach jayein.

Hello 👋 Grapeviners 🍇, I have been paying my credit card bills mostly through the Bank's App, which in return gives me nothing. So, I'm looking out for some App suggestions for credit bill payment that gives good usable cashbacks or rewards.