I’m trying to figure out how to pay at shops without using GPay on my GrapheneOS setup. Since Google's NFC payments are not an option, has anyone had luck using Indian bank apps or PhonePe for tap-to-pay instead? I’m wondering if their NFC features remain reliable on an alternative OS.

I am planning to buy a car soon, and for this i want to use a credit card for a down payment to maximize cashback and benefits. So suggest a credit card that allows simple EMI for big purchases. Is there any credit card available that gives me all the benefits?