Apple Now Accepting UPI, Rupay Cards and Net Banking for App Store Payments in India

Credit cards are still the most convenient way to pay. I feel this is wasted effort.

Credit Card is only the most convenient if you can pay with something like Apple Pay. Since that's not available in India, UPI is the most convenient.

Though I use card as a payment method for app store, it is very good to see more options

Credit cards are still the most convenient way to pay. I feel this is wasted effort.

Where are you from/do you reside?

The vast majority does not have a creditcard in India, don't have the means to do anything with it.
The majority of the population is still very poor, live on a daily income bases, can't afford a credit card.

You said this

Credit cards are still the most convenient way to pay. I feel this is wasted effort.

Then followed up with a reply to me down below.

I am from india. Have always stayed in India. The majority that doesn’t have anything to do with a credit card unfortunately doesn’t have anything to do with Apple either.

Credit card use in India is limited, that's my point because most won't use them for the reasons I pointed out before.
Credit cards are by no way the easiest way to pay, for convenience ApplePay on an Apple watch can't be beaten.
There are also simple Apps like the ones mentioned on this topic, there are a lot more people in India using these (transfer) Apps than having credit cards, so your point is moot.

Where are you from/do you reside?

The vast majority does not have a creditcard in India, don't have the means to do anything with it.
The majority of the population is still very poor, live on a daily income bases, can't afford a credit card.

Think he means debit card. Asian families are very careful with money and they don’t like taking credit. They prefer only to take debt for buying property or investing in a business.

That's awesome. Makes it very convenient to purchase the apps ;)

This could get apple into hot water with existing court cases about opening up store policies. Then again maybe note as a regular bank account could be used for iCloud (or at least in the past it could).