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karta hu bich bich me, but kotak ke bahot msges rehte hai to padha nahi kuch
SBI unipay kaafi time pehle hi dead ho gaya hai brother, they have removed the debit card option for other banks, so unipay is dead for everyone, except SBI users.

For other credit card payments, it's risky as Kotak has mentioned in their recent terms and conditions that they will be monitoring transactions, so if risk lena hai then there are few options else offline/online genuine use karo and enjoy 5%.
 
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