India is restructuring its payment landscape by prioritizing local networks over international card giants like Visa and Mastercard. The Unified Payments Interface (UPI) now processes over 13 billion transactions monthly, capturing 36% of consumer spending. RuPay, India's domestic card network, is gaining traction, processing $7.43 billion in UPI credit card transactions in just seven months of fiscal 2025. Recent regulatory changes are pushing banks to adopt RuPay, which accounted for half of all new credit cards issued in June 2024. This strategy offers an innovative model for reducing reliance on Western payment systems.