What's your honest feedback on Cred UPI?

I like the cashback. The interface can look like an app from the 2010s for all I care.

UPI part especially is crappy Everytime it takes me couple of mins to understand where my txn history and other upi options are

Not sure how they have scaled to 150mn txn a month

Have been using CRED app since the time they launched it… initially it was great in terms of cash back but now a days it is very less.
Best part about this app is you can view all cards on a single platform.
But now a days few cards automatically got deregistered from there

now the cashback they provide can only be used for credit card bill payments. Earlier it was used in recharges as well.

Now a days no cashback.. only 1 ₹ sometimes.. I pay 5000 to 20000 each month

just fancy ui nothing else, it is too hard to navigate all txn history

Have been using Cred UPI since the time they launched it.

In the initial days, it was the fastest (in the time of processing the payment once you put the pin).

These days their competitors are almost at par with it in terms of speed.

Another thing which I have observed is comparatively lower rate of failure of transaction than the competitors.

One more thing was there in initial days to use an alias upi id rather than using the real one or using the one with phone number. (It's not working for me anymore, so not sure if they have removed it or not)

And last but certainly not the least have got great cashback with it earlier.

Nowadays it is less but it's still better than the not so useful vouchers given by the competitors.