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Send money to any upi using cred and get cashback unlimited time. Mostly getting rs6 per transaction of rs1
You just need different upi id of receiver's. You can also pay merchant qr but by copying their UPI id because cashback offer is only for send money. So no no need more UPI I'd as everyone may have multiple paytm or phonepe or gpay merchant qr
Getting cashback unlimited time as per how many transactions can you as per npci/bank policy
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https://www.desidime.com/deals/cred-send-money-cashback-offer-to-any-upi?page=1#post_9295655
Looted 130 and 140 in two accounts until exhausting account limit ...finally worked for me 
https://www.desidime.com/deals/cred-send-money-cashback-offer-to-any-upi?page=1#post_9296079
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Worked ... For a change got cred balance instead of coins🤣