Nah. I take my full limit. I dont transfer. I swipe my card. And there are no charges for the same.
It is BharatPe and its VC investors which are funding your extravaganza 
Till the time someone is willing to burn money for irrelevant business matrices (high GMV in this case) , you will continue to find such loopholes. Enjoy.
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Yes. I know
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A very bad decision indeed. The very root problem with electronic transfer like wallet, credit card or UPI psychologically is that you don’t ever feel that pain spending unlike in physical cash where you instantly become aware. This actually makes people spend more than they have which is what banks want. Debit card is far better.
With UPI linked with credit card and the masses that’s already financially illiterate and dumb with crazy spending, this is going to create UPI Credit card bubble.