Completely disagree with all your points.
1. Payments: Many businesses now accept credit cards and UPI via RuPay Credit Cards. Very few insist on cash or UPI from a savings account.
I regularly use my credit cards for amounts above 100 and UPI via RuPay credit card for small transactions.
2. Education payments: Many schools and colleges today accept credit cards and UPI payments through RuPay credit cards, making it easy to earn rewards even on education expenses.
3. Fuel transactions: Several fuel specific credit cards offer minimum 5% cashback along with 1% fuel surcharge waiver.
4. Grocery shopping: Many credit cards give 5 to 10% cashback on groceries, both online and offline.
5. You can also use RuPay credit cards for NPS investments and get rewards on your investement.
6. Minimum of 5% rewards on Amazon, Flipkart, and discounted vouchers for Lifestyle, Decathlon, etc.
Credit cards, when used smartly, are a huge advantage.