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It's hard to find someone who uses only cash. Those people definitely exist, but almost everyone has a bank card these days. I transfer money all the time for different reasons, and for me the UPI ID system is really convenient. Recently I started looking into how to link credit card to UPI because it can be useful when you don't want to spend money directly from your main account. On top of that, with Roar Bank I have both a credit card and a card with a savings account holding my own funds. It's nice that I can quickly pay for everything I need with it too.