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Credit cards are still the most convenient way to pay. I feel this is wasted effort.
Incorrect. Credit cards here are annoyingly painful - I once saw someone spend half an hour at a store counter trying to get their credit card to pay. UPI meanwhile is super seamless.
 
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This is awesome - but I wish I could use store credits to buy physical products online on apple.com/in instead of just app subscriptions.
 
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