yup. for someone like me who has a
credit card, there is little sense using a digital wallet because it's prepaid. with credit card, i get a short term loan and loyalty points. now i am not very good at managing my loyalty points but i still manage to end up with a 1000 rupee
Amazon gift card every six months or something. but then this is still cashless payment so there's that.
for people who do not have a credit card or do not like using it, all other modes are one and the same thing. if you have undisclosed income, you would prefer to use cash in any case. even if you don't, you would prefer to use the most convenient mode.
Paytm if you maintain a balance in that. cash if you don't. it's idiotic to expect people to use wallets where you have to manually manage funds. upi solves this issue but is still not used as much as paytm or other wallets (depending upon where you are).
if a store offers both upi and credit card, i might be tempted to pay using upi just for fun sake. but fact remains, i get more value for my money if i pay using credit card. this is assuming the shopkeeper is not charging me 2.5% for the transaction like some stores still do.