Everyone really does look at the card's features rather than the payment network. Because that's more relevant. And people choose a bank based on what it offers. If you're interested in learning about payment networks, read this article https://roar.bank.in/en/blog/rupay-vs-visa-vs-mastercard. It can actually matter if you travel a lot or buy things from abroad. But since that's not really relevant to you, I'd just recommend reading it for your own understanding. By the way, Roar itself seems like a pretty good bank to me. It's worth checking out too if you're looking around.