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It's regrettable and astounding at the same time that a factual comment is getting downvoted.

UPI should absolutely introduce a facility to chargeback a transaction, which is why I always prefer to use my credit card, if possible.

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Not sure if you are unfamiliar with the credit cards issued in India, but my bank's fraud protection is limited to "did someone steal your card and make a payment"

Credit cards work differently in the US compared to the rest of the world. You can just "charge back" the merchant for pretty much any reason.

No, you can't. I tried twice. Banks side with the merchants because merchants pay them, not you.

A credit card costs more in the long run, otherwise credit card companies wouldn't be profitable.

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