Just got my Tata Neu+ Card

So I have some questions regarding this card, hoping someone would answer this for me. Also questions might sound stupid but I have no clue whatsoever.

  1. What is the reward ratio like actually? They said 5% coins something of the UPI spends. This cycle I have spend 7k₹ and received around 46 coins only.

  2. Do I have to use tata neu app only to be eligible for UPI spends cashback ? Or any other app like cred would work ?

  3. If on spends of 7k only 40 coins are given as cb is this card even worth it ?

  4. Lastly, if you can suggest how can I get full value out of this card. Thanks

So I have some questions regarding this card, hoping someone would answer this for me. Also questions might sound stupid but I have no clue whatsoever.

  1. What is the reward ratio like actually? They said 5% coins something of the UPI spends. This cycle I have spend 7k₹ and received around 46 coins only.

  2. Do I have to use tata neu app only to be eligible for UPI spends cashback ? Or any other app like cred would work ?

  3. If on spends of 7k only 40 coins are given as cb is this card even worth it ?

  4. Lastly, if you can suggest how can I get full value out of this card. Thanks