India has about a billion debit cards, but people mostly use them for ATM cash withdrawals, if that (banks used to give them by default during account opening, but have stopped this since UPI came into the picture). Only a single-digit percentage of people use credit cards, but they use them often and for relatively high-value transactions. The rewards game in the credit card space is slowly but surely reaching US levels, and they are associated more with stability and credit-worthiness since banks don't hand them out like candy, and India is, until recently, a debt-averse nation to revolve balances.

Mostly people use UPI, which is equivalent to debit cards given that amounts go directly from one bank to another. But UPI also supports some credit cards and lines, so there's that.