Job Name: Pj Coins / RSB220745QLF

Respondent Name:

Date:

Profile:

Center:

M: Okay, is there anything that you would like to improve about your credit card
experience?

R: All credit cards should start like Amazon pay; they should give reward points as cashback
every month.

M: But all credit cards do offer reward points.

R: Reward redemption is too hectic, it's not too easy. Amazon pay is like a beautiful card which
gives you cashbacks.

M: Okay, anything else apart from reward redemption that you would like to improve?

R: Lounge access as I travel a lot but quarterly I have only two lounge access. They can improve
on that and even on fuel, there shouldn't be any surcharges.

M: On?

R: Fuel.

M: Anything else you would like to improve?

R: No.

M: Now I will show you few images, for each of these images tell me how you make the
payment. Do you pay by credit card, debit card, UPI or cash? The first one is the Kinara
store, small purchase, how would you pay there? 

R: PhonePe or Google Pay.

M: Okay, second is supermarket like Big Bazaar.

R: Credit card.
M: Then on Swiggy.

R: Amazon credit card.

M: Amazon pay card.

R: Even that's a credit card.

M: On Amazon if you are making a large purchase like a washing machine.

R: Credit card.

M: At a movie theatre if you are buying tickets there.

R: Credit card.

M: At Reliance digital or Croma if you are buying electronics.

R: Credit card.

M: Do you use your debit card for anything?

R: Debit card if it's large amount.

M: Can you tell me what kind of amount, how large?

R: Like a large appliance that is around 1 lakh because I have to do that ECS. 

M: Can you elaborate on that you have to do what?

R: ECS I mean to say when we buy something that is large like between 80000 and 1 lakh. We
have to break it into EMI that is cut from our Savings account.

M: Okay for that you like to use debit card.

R: Yes because we have to do ECS so we have to use debit card. 

M: But are you able to convert debit card transaction into EMI? 

R: It easily converts yes

M: Are you sure you are talking about debit card or credit card?

R: Debit card. It's called ECS.

M: Okay. How do you choose which payments to do you on your debit card versus credit
card? 

R: Again what are they offering, is it acceptable there. Do I get cashbacks or is there 0% EMI.

M: So you don't make any small transactions on your debit card.

R: Small very rare.

M: Okay, great. Now I will show an image tell me if you have heard about this card and
what do you think about it. Have you heard of this card?

R: IndusInd I know but this kind of a dual card I have not heard.

M: Okay what do you understand by this card?

R: They are saying it is a debit cum credit card, so you have a single card.

M: Okay. What do you think are the benefits of such a card?

R: wallet would be thinner because we don't have to carry so many cards and they are saying that
they have some easy redemption of reward points. 

M: What else do you think is the benefit of this card?

R: I don't see much benefit.

M: Okay, you don't see much benefit. Would you consider applying for this card?

R: No.

M: Okay. Why not?

R: I don't see any benefit I have cards which are much better than this. 

M: Okay. Can you think of any disadvantages of this card? 

R: It's the same regular reward redemption.

M: If you had this card what expenses would you put on debit side and what expenses will
you put on credit side?

R: Same debit card for large spending and credit card I might use for online shopping. 
M: Okay. Now I will show you few images about credit card benefits tell me what you think
of each of them and whether you would use it.

R: Sure.

M: Okay the first one is the card that combines all your different debit cards and credit
cards into one. So all different bank accounts and card can be combined into one card and
it gives you an app so you can preset which card should be charge whenever you are using
it. What do you think about this?

R: I believe this is very confusing no I would not prefer this.