Carry around 2k cash in wallet daily. (for emergency or when there is no Paytm or pos machines.)
Paytm Wallet mostly for shopkeepers and wherever accepted (why? cus they cannot say bhaiya khule nahi hain?)
Regalia CC for online payments.
Citibank IOC for fuel. Google Pay (for payments below 2000/- and for sharing money between friends and stuff).
Debit card only for cash withdrawls.
Paypal to receive international payments (seeking for a better alternative)
Offers is one big reason. I target specific offers of Amazon & Payzapp which come monthly. Mobikwik gives 1% supercash for Credit Card payments which I used to offset with bill payments - which I might stop using as it does not make sense any longer, now that I got Google Pay Axis Credit Card - However, they give non-supercash cashback for Vodafone Recharge - so may keep it for occasional use.
Google Pay for easy money transfer to contacts. PhonePe (with Mobikwik as backup) for money transfer in between accounts and for NEFT - It allows me to use any of my bank accounts as source and give NEFT details and do a transfer.
Paytm also used to give a few offers and it allows me to pay partial bill - And I had Paytm First subscription free for one year - so it gives 30 cashback on adding 500 - so used for that as well.
Google Pay - main for upi transfers/ cc bill payment
Credits card - where it is accepted
Debit card - occasionally. Might start using it more instead of credit card. Paytm - during lockdown I used it extensively for the wallet feature. But now paused it as they charge for loading money from card. Amazon pay - some times for offers.
Phone pay - backup only now.
Bank upi- only for sending money between my accounts not for any merchant transaction.
As I mentioned in post #6 about the sms from Amazon, I tried to add some money to Amazon Pay both attempts failed. Yesterday I got another sms from Amazon that "Your Amazon Pay balance account is Inactive. You'll be unable to add or use balance. Complete KYC to activate account:"
Heck never opened that account. I always paid by cod or cc. It was Amazon who credited an odd rupee to this account when the courier didn't give change.