Rupay sometimes giving, sometimes not. I am using VISA since start as I already had Rupay physical for all 4 savings accounts. But people have confirmed no problem with Rupay also. So use whatever you want to as per own preference.
Accelrated rewards TnC doesn't mentioned or differ between PDC or VDC. But yeah we can only know till Oct 15 or max Oct 31 if Loylty delays last month 5X pts. As VDC is having its own 2X version, I also have doubt whether 5X is applicable for it or not. So we have to wait patiently. Gut feeling says it will give or may even surprise you with 5X for everything later incl. Normal + Bonus.