New Delhi, May 9 -- If you use a digital payment app such as Google Pay, PhonePe, Paytm or Mobikwik and are accustomed to using a credit card at the same time - it is recommended to link your credit card to one of the UPI apps. This can be done seamlessly through RuPay Credit Card. Almost all banks have mapped their credit cards to RuPay functionality, thus enabling these cards to route payments via UPI apps.

Most of these UPI apps provide cashbacks and rewards on their usage. These rewards are of different types and can be redeemed differently.

I. Google Pay: It offers scratch cards and cashback. These offer variable rewards and users can earn cashback through scratch cards on eligible transactions. These are directly credited to the b...