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What are the advantages of merging account?

Multiple, 1. Using stored cards/addresses etc: You don't need to type in your personal details across multiple portals to complete your txns with little to no friction; 2. Using promotional money: E.g., I got a Rs. 5000 discount on buying a phone which I can use to recharge my mobile, 3. Smoother transaction experience: Refunds are super smooth and retrying transactions takes milliseconds

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