I use my cards based on what's giving me the best return for a particular transaction. Generally, this is 2% with category based spends on non-elite cards. Universal cashbacks range from 1% - 1.5%.
If you are bringing credit/debit cards with universal 2% cashbacks, you will be my new default. And if you were to add zero forex markup and offer decent interest rates on savings and deposits, you'll pretty much be my only platform for all transactions (except Amazon and Flipkart spends because of their 5%).