This was a close call. I mean, really close.
I was just looking for alternative to Cred, going through community posts, but found mostly focused on rewards. However, I see those meager 0.00000000000000000001% cashbacks (not literally, but yeah ) worthless of my efforts. I just want to ensure that the bill payment is done more reliably (Cred has failed me twice in last year) and conveniently (I have 7 cards so...)
but what's stopping me to exit cred is the instant settlement. Few minutes ago I was looking to find other options, while at it, I thought of checking cred once, it showed "bill due today", panicked, looked at the clock, less than 4 mins to go, so didn't even bother selecting payment options, thus cred registered me with UPI (again), and voila !!! payment was done, I mean, I even got payment confirmation from HDFC within 2 mins, which is not possible through banking platforms in my experience.
is there really an option better / faster than cred? or I will forever be hooked to this app ? any suggestions ?

I was just looking for alternative to Cred, going through community posts, but found mostly focused on rewards. However, I see those meager 0.00000000000000000001% cashbacks (not literally, but yeah ) worthless of my efforts. I just want to ensure that the bill payment is done more reliably (Cred has failed me twice in last year) and conveniently (I have 7 cards so...)
but what's stopping me to exit cred is the instant settlement. Few minutes ago I was looking to find other options, while at it, I thought of checking cred once, it showed "bill due today", panicked, looked at the clock, less than 4 mins to go, so didn't even bother selecting payment options, thus cred registered me with UPI (again), and voila !!! payment was done, I mean, I even got payment confirmation from HDFC within 2 mins, which is not possible through banking platforms in my experience.
is there really an option better / faster than cred? or I will forever be hooked to this app ? any suggestions ?