I think there is some merit in what you are saying. But personally I would never allow any company (be it Amazon or Namecheap) to withdraw a variable amount of

I think there is some merit in what you are saying. But personally I would never allow any company (be it Amazon or Namecheap) to withdraw a variable amount of money from my bank account without prior authorization. Manual authorization is a minor inconvenience but prevents major headaches down the line. You know like they say: Prevention is better than cure. >3) Paying for services like Uber with my credit card sounds nice. The process seemed really effortless. You do not need a credit card for online transactions in India. Credit cards are mostly redundant in the age of internet banking (as far as Indian businesses are concerned). I have never used a Credit Card to buy anything from flipkart etc (I choose the net banking/online payment option always). I guess you do not know about this because the USA does not have creditcardless online payments.