Which mode payment do you use for daily spend ?

Finance Section better fits

And pls add some synopsis in your description. or you can introduce section where only polls happen.

Here, i closed two rupay credit cards and you are still waiting for first.😊

@abhishek012 admin dont have rupa cc yet

wallet option is not there to choose

i use wallet and rupay 

Galti se galat otp dal gaya.. last option both hona tha.. count me as cc 1st choice then upi 2nd then last option cash if nothing left

I use SBI Cashback Credit Card, World's Best Credit Card Ever.

5% Cashback on Everything Online.

If you want to Use for Utility, Insurance payment then buy Amazon gv from Amazon, Zingoy, Stan app etc and use.

Offline Use -

Buy Pineperks RuPay gift card from Amazon (approx 5% benefiton Offline use) or Load to Giverly Wallet and use (2.58% cashback benefit on offline use)

Is this a sarcasm post

Hard to believe admin doesn't have a rupay cc yet

1) hmmm credit card is better in every way once you know how to use it 

2) upi is second best

3) hot cash as we can slip money without being monitored so third

4) bank account internet banking is last as it has no perks

This is how i play my game with MONEY xDDDDD

cash hi chalta ha ofline toh upi kuch kuch jagah 

UPI or cash. No Card m/c. Cash need changes 

online all credit cards one by one. 

offline UPI using Rupay credit cards (wherever it is allowed) or just tap with any credit card that is in the wallet to save time at the Q in super markets (Dmart/ Reliance/ Ratnadeep ) amd medical shops. cash every wher for small veggie /fruit though every one has a upi receiver logo. car petrol I put in my Gymkhana club using balance loaded in my club card via credit card. Zepto/ swiggy using amazon pay ,if spending 499/599 get 20% using BOB/DBS/ AU cards like that.

If amount is Rs. 99 or less, Tata Neu Infinity RuPay HDFC Bank CC (1.5% reward rate) via Cred (gives Re. 1 cashback at least for 1 transaction of the day)

If merchant UPI is disabled, MobiKwik -> Pocket UPI (I add Rs. 1,000 in MobiKwik wallet monthly via Uber/Zomato at no extra charge using IDFC First Bank Wealth CC (1.5% reward rate) and when in a statement, Rs. 30k is crossed, then I add money to MobiKwik wallet at 2.95% convenience fee and reward rate I get is 2.5%, so, it's a loss of 0.45% but I get 1% cashback when I pay bill for the same CC via HDFC Bill Pay using HDFC Bank Platinum DC ... so, net-net profit of 0.55%)

If amount is Rs. 100 or more and card is accepted, IDFC First Bank Wealth CC if Rs. 30k is already spent in that statement (2.5% reward rate) else Axis Bank Ace CC (1.5% reward rate)

These are the three options I go for as of now, from 1st May onwards reward structure for IDFC First Bank CCs will change, so, Wealth CC will take a backseat and Axis Bank Ace CC will become main card for 1.5% reward rate ... although accelerated reward rate on Wealth CC will be 1.67%, so, for a mere jump of 0.17%, will see which CC to use 😬

Also, at fuel pumps, I use Pocket UPI on MobiKwik since I don't own a four-wheeler yet to make the most of fuel based CCs

Complex answer but hopefully I may have been able to give some insight 😇

UPI Lite

1. If buying from some one with proper billing: cash first preference, then card or upi depending on which is giving more benefit.

2. Buying something without bill from non-familiar person: always upi so that I can open gpay and show them proof anytime.

3. Buying something for someone else, who will give the money later: upi/card, as online money transfer is easy.

4. Buying fruits, vegetables etc from local familiar vendors (obviously without bill): always cash

5. Online shopping: always card or upi, I buy vouchers before hand or look for the specific credit card from my friends.

I have no CC, so doesn't bother about cashback and generally I am not much shopaholic. Cash is freedom, they won't be able to track you down.

This is my personal opinion.

I have a Rs.500 note kept in my wallet for at least 5-6 months, never used it. 

100% UPI or Credit card. 

Cash is only withdrawn from the bank to paid the maid. 

Unified Payments Interface (UPI)

G pay, but not the Google one

You guys have money..?

Credit to bank then upi

Only UPI or Cards. A few years back i was in a situation where though I paid to panipuri wala in cash he insisted i didn't pay to him so after that only paying through UPI from small purchases so that I have a proof of my payment

local shops KIWI axis
malls or big shops cred tata neu
online sbi cb or amazon cb

Upi

Pocket UPI (Paying via mobikwik wallet balance)

Cred upi