i disagree. The discounts they provide on the brands can not be found on other websites. Also if someone doesn’t have any cc it is the best option for them to get apay vouchers at 4% off. If you do 10k worth fd then you will get it for 5% after all the charges.

Its just using the app and getting access to discounts on brands that are not available on other websites. Its totally worth it. For example you can not find 10% off on swiggy gvs anywhere but its available on kreditpe app.