UPI is great for most things, but I’m wondering if there’s any real reason to still use a PhonePe wallet. Are rewards and budgeting tools worth the hassle of loading money, or will UPI render wallets useless?

I have an HDFC UPI RuPay card, but it was unexpectedly frozen and closed despite my clean record. Now what should I do immediately to inquire about the reason behind all this problem?