Comment by porridgeraisin

In india we use UPI. But people still use cards enough to be in decent enough terms with them for when you want to make a risky purchase and chargeback. In a sense, it's simply insurance. You pay extra 2% everywhere so you can dispute a txn at any point later.

Personally I make very few risky + expensive purchases, so my CC usage is non existent. I am comfortable enough to not really care if a random shady hobby electronics website fleeces me 500rs.

Another use is that sometimes you get CC offers on Amazon: "use $BANK $TIER CC to get extra 7k off" which are useful enough to justify paying extra everywhere else if you do your big shopping though Amazon festival deals. E.g you can get a 55k iphone for 45k.