I'm tired of flashy cashback offers. When you factor in monthly fees and poor support, are these "premium" debit cards actually worth it? Or am I better off with a simple, low-fee card for my daily and international spending?

Is it essential to consider other factors like international transaction fees, limits on rewards redemption, the quality of customer service, and any hidden fees when comparing debit cards to optimize cashback and benefits? Shouldn't I take these aspects into account before deciding among RuPay, Visa, or Mastercard?