Enjoying free air tickets, lounge? Credit card-UPI linking has a doomy message for reward points.

The RBI’s decision to link UPI with credit cards will be a tightrope walk. While the move will bring a share of the MDR revenue to the UPI ecosystem and cheer banks, the same needs to be kept low so that merchants do not deboard. But a low MDR will also mean a gradual decline in credit-card reward points.

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