SBI Unipay Vs Cred Vs Cheq which is better

[Lokesh Raghupathi]

Hi All, I am sure all of you must be usin SBI Unipay, Cred, Cheq and also mobiwick may be. Can you please share your experience, out of all these which one do you feel more comfortable (ease to use), benefical, reliable and quicker transfer of funds.

 

[zacobite]

Hi All, I am sure all of you must be usin SBI Unipay, Cred, Cheq and also mobiwick may be. Can you please share your experience, out of all these which one do you feel more comfortable (ease to use), benefical, reliable and quicker transfer of funds.

cred wins on all except rewards

 

[bipin174]

CRED is best among all. I have been maintaining multiple credit cards seamlessly.
Their reward system actually attract rewarded as cred coins, vouchers & Actual money which can be reedemed against credit card bill payments. Since Signup I have earned Approx. 2900/- including referral rewards. Low payment failures as only people who has credit cards with good Cibil score can use CRED. Hope this may help you .

 

[Lokesh Raghupathi]

CRED is best among all. I have been maintaining multiple credit cards seamlessly.
Their reward system actually attract rewarded as cred coins, vouchers & Actual money which can be reedemed against credit card bill payments. Since Signup I have earned Approx. 2900/- including referral rewards. Low payment failures as only people who has credit cards with good Cibil score can use CRED. Hope this may help you .

Thanks for your reply but reward points we can also earn in SBI Debit card if we make payment from SBI unipay. Apart from referal credit how is it beneficial to use CRED since the am not able to understand what good is CRED coins/rewards if we are not able to use it anywhere.

 

[Vipul0007]

Thanks for your reply but reward points we can also earn in SBI Debit card if we make payment from SBI unipay. Apart from referal credit how is it beneficial to use CRED since the am not able to understand what good is CRED coins/rewards if we are not able to use it anywhere.

But if your money stuck in unipay so you don’t get any response from customer care

 

[itstaksheel]

I have been using CRED for a past few years and had no issues. Payments mostly settled instantly and even if stuck their customer support is helpful. However rewards received are not useful as such.

 

[Vipul0007]

I am talking about sbi unipay not cred please read it carefully

 

[bipin174]

I think Reward system is not for those who has a busy life & have not much time to consider small amounts. Reward system works upon spending habits. More spend more rewards. Main thing is Customer support. In this CRED support is out standing. I contacted in around 2.00 AM get responded by a call back. Instead of debit card one can use MOD feature (Sweep In & Sweep
Out) & like FD intrest rates.

 

[Lokesh Raghupathi]

I think Reward system is not for those who has a busy life & have not much time to consider small amounts. Reward system works upon spending habits. More spend more rewards. Main thing is Customer support. In this CRED support is out standing. I contacted in around 2.00 AM get responded by a call back. Instead of debit card one can use MOD feature (Sweep In & Sweep
Out) & like FD intrest rates.

hi Bipin, i al thought the same, but when i found out that some of my friends and coluges have had fully paid travel and hotel stays through reqard points from different credit cards. I am being more mindfull of my expenes trying to get maximum rewards and cash back. And i am not saying vacation within India outside india with flight and stay in fancy hotels.

 

[zacobite]

hi Bipin, i al thought the same, but when i found out that some of my friends and coluges have had fully paid travel and hotel stays through reqard points from different credit cards. I am being more mindfull of my expenes trying to get maximum rewards and cash back. And i am not saying vacation within India outside india with flight and stay in fancy hotels.

No one is travelling on points from payment of cc... they are all travelling on rewards from spends... two different discussions.. Spends have to be planned for max rewards.. Rewards cannot be reason to spend... so choice of card is v important basis your personal situation / spending pattern..

 

[Lokesh Raghupathi]

No one is travelling on points from payment of cc... they are all travelling on rewards from spends... two different discussions.. Spends have to be planned for max rewards.. Rewards cannot be reason to spend... so choice of card is v important basis your personal situation / spending pattern..

yes rewards is what i meant, and yes i wont be spending to earn points. But yes i will be planning my spends where i can get most rewards.

 

[zack54]

As per my experience:-
Cred will gives you points as rewards but these points are of no use. I have collected 78 lakh reward points on cred and I don't know how to utilise. In case if you pay bill of credit card other than cred, payment amount on cred will not be updated instant.

Cheq will give your 1% reward points on payments but among all the points 1000 coins=100 rs. will be utilized in a month. Rest of points have options to convert into the vouchers.

 

[Vara Prasad]

If you credit card bill is <=5k then pay via Mobikwik, and it will also give you the option to pay via Debit card.
Chose a debit card that gives reward points for this kind of transactions and your are good.

I use my SBI debit card for making the payment, it will give me around 0.25% cashback which can be redeemed in Book My Show directly.