>0% net rewards credit card. Frequent purchases need conversion rate (preferably with mastercard) if it is better there go for it, remaining all same. Occasional, go with credit card.
Mix and match!
For me:
CCs like Burgundy Magnus/Magnus hitting more than 1.5L milestone, Infinia/Black with GVP
Forex card for cash withdrawal for offline spending, non-CC PG with add-on benefits like Klook discount, Free international sim offered by Axis multi currency forex.