I went to both the RuPay Lounge and Encalm Lounge yesterday (T3 Delhi). RuPay Lounge is better in terms of both food and dessert, as it had 2-3 items not present in Encalm Lounge. The main difference was in the crowd of people. RuPay Lounge is much less crowded than the Encalm lounge.
RuPay Lounge also has a game zone with three monitors and PS5s. I tried playing on the PS5 for a while, and it was alright; it had about 18 games, most of which were multiplayer games (Rocket League, PUBG, etc.). If I had the choice between the RuPay Lounge and the Encalm Lounge, I'd choose the RuPay Lounge any day.
Edit: You don't need a physical RuPay credit card. UPI on CC is accepted, but there are different limits for physical card and UPI on CC access (once per month). RuPay debit cards don't work, you need a credit card to access this lounge.