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Comment by spaceman_2020 | Hacker News Reader

spaceman_2020

I sometimes go weeks without realizing that I have literally zero cash in my wallet.

I was using UPI so much that my credit card usage had dropped to almost nothing. Literally had to force myself to use the credit card more to accumulate some rewards.

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Ditto. I close few credit cards because of usage drop. Paying with UPI is easier and at least 10x accepted.

Moreover, within a year or so, UPI will start accepting Credit card linking as well. Things are really moving FAST here.

Credit Card linking with UPI is live for sometime now [0], currently limited to Rupay cards. I have been using my HDFC Rupay CC to pay for Merchant Payments that accept UPI for last month or so.

[0]: https://www.rupay.co.in/rupay-credit-card-on-upi

Any good cards on Rupay? Last time I checked, all the good rewards were on Visa/Mastercard

The good rewards are only possible if the merchants are paying for it through transaction costs. I'd bet on "no" since the national alternatives to Visa/MasterCard usually advertise themselves as "cheaper".

>I sometimes go weeks without realizing that I have literally zero cash in my wallet.

That's pretty much my experience in the US. I probably have the same cash in my wallet that I've had for 5 or more years ... if there's any in there .. duno.

The difference is that I have that experience because of credit cards.

Ironically, it's for Uber (and Ola) - the services that made us move away from cash for taxi and auto in the first place - that I have to carry cash for since the drivers just won't come without cash payments. UPI is better, but they will have the have to fill petrol excuse.

I may be misremembering, but I thought you can fill petrol with UPI too?

I haven't used cash since COVID started and very rarely see anyone else use it either.

I do have enough cash in a side section of my wallet to get me home by taxi from a reasonable distance - just in case.

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