I dont understand which part of my post seems contradicting. My Fiancee is traveling international from the last three years. Skywards registration only this year. Low cost airlines in India helping middle class citizens to travel from last two years. Which part is contradicting?

As I mentioned, her company manages her travel arrangements. From the door step pick to drop to the airport and after arrival airport pick up, drop to hotel /apartment, meals, transport everything is taken care of by her company. Given her corporate status, she can get Platinum plus credit cards from any bank in a bat of an eyelid. But she intentionally stays away from credit cards. It has never been a major problem for her. If any establishment refuses to accomodate her request owing to not having a credit card, they lose a corporate customer. But that has never happened given the tie ups her company has. Not every individual who travels has a credit card. Its an additional amenity. Not a necessity. Atleast not to us.