I want to keep things simple, but is sticking with UCO Bank really the smartest move for daily use? Are its rewards and support worth it despite UPI issues and app stability when compared to HDFC or ICICI?

I rely heavily on seamless digital payments, so I'm really wondering: How well does the UCO Bank debit card integrate with all the essential UPI apps, recurring payments, and contactless transactions? Are there any hidden charges or frustrating service gaps I should be aware of before I commit to choosing it?