Should I get Galaxy A55 or higher end Samsung CPID Approved?

So they preference is reliability and long term use so that's why I'm focusing on Samsung. Budget is max 150k.

I'm getting this phone for my wife, she's not a heavy user but needs a reliable and a decent looking phone.

I was first thinking about getting A55, but it seems so overpriced considering the specs and everything. Someone suggested S22 or S23 CPID approved.

I don't have any first hand experience with CPID as I mainly use PTA approved phones. Can you guys give me some advice. Will CPID create any issues? Will she be able to use banking apps normally? Is CPID recommended if someone wanna use a phone for 3,4 years?

If you guys have other suggestions, please comment. TIA