Credit Line on UPI

HDFC, Axis , ICICI are useless

HDFC asks subscription fees every 6 months (I think there is interest charged NO FREE PERIOD)

Axis dont have nominal fee it will start charging interest from day 1 and Axis credit line on UPI is only available with FD only

ICICI has some interest charges too

All 3 are no good

So at any day credit card is better with interest free period

2 types of Credit Line on UPI available -

1) Interest pay only when you spend the amount

2) Same like credit card, spend and repay within 30/40 days and no extra charges or any hidden charges.

Have been using ICICI paylater for years. Upto 3K/mth is free. 

I used icici paylater from 2019 till 2022 , till 2022 there was no charges and later cannot be linked to UPI had to manually give VPA  ... limit was of Rs 10,000  , closed it due to charges and got few cards 

closed all paylater once got credit card .. 

I have below Rupay Credit cards. Which of the should I use to get maximum benefits:

1. Axis IndianOil Axis Bank
2. Bank of Baroda Easy Credit Card (Digital)
3. HDFC Rupay Digital Card
4. PNB Rupay Platinum
5. ICICI Coral Rupay Platinum Card