How do you prefer to pay?

Usually I use a debit card, but recently I wanted to make another one, but already a credit one. This is quite convenient for planning expenses. I was lucky to find the reviews at https://skylight-one.pissedconsumer.com/review.html and see the benefits of this type of card. And I noticed that this is the most popular answer, so I'm not the only one who thinks so.

I am the wrong audience for this question, but still.... Prefer to pay using UPI - Universal Payment Interface. Many apps for that, including Google pay, Bhim, Paytm, etc. Technically, it is XYZ app with debit card. You connect your back account to your phone no. Now you can pay to any other person who has done the same, using their phone number or QR code. Super easy, Instantaneous. No charges. Most of India pays this way.

Apple Pay or Google Pay (with Credit Card)

I noticed cash on delivery isn't an option. Its quite popular in certain regions with under banked populations.