Guwahati, June 1 -- My cousin in Shillong used to carry ?5,000 cash everywhere. Now she barely touches physical money.

Last month in Guwahati, I watched a momo vendor accept payment through a QR code in twelve seconds. No digging for exact change, no ATM runs three times weekly.

People aren't just doing basic UPI transfers anymore-they're exploring options like a upi credit card that gives spending flexibility while keeping everything digital and instant. Why juggle three apps when one does it all?

Growing up in the Northeast, cash ruled everything. Bus fares, market shopping, utility bills. ATMs ran dry by the 3rd of every month, especially in smaller towns, meaning endless bank queues eating half your afternoon.

That world feels anc...