Rupay CC like Tata Neu Infinity Requires you to use Tata Neu app to scan & pay to get max Value Back but for small payments you can use UPI Apps like Navi, Super.money etc.
Otherwise, if you can have other Rupay CC provided by Fintech like Kiwi Yes Bank, Jupiter CSB etc. then you would need to use their apps for max value back.
For everyother Rupay CC I would recommend using combination of UPI apps like Navi, Super.money, Kiwi, CRED etc. they give few Cashbacks here and there.