Where can I use my card? (BitPay)
You can use your BitPay Prepaid Visa® card at any online or brick and mortar merchant that accepts Visa® Debit cards.
Where can I use my Xapo Debit Card?
At any merchant that accepts VISA.
The Xapo Card works just like any other debit card, but instead of drawing funds from your bank account, it debits purchases directly in bitcoin from your Xapo main wallet. You can use the card for online purchases, to shop at your local store, or at ATMs.
Where can I use my debit card? (Wagecan)
Almost everywhere! Any retail, merchant, point-of-sale terminals and ATMs, as long as you see ‘Card Issuer Accepted’, you can use it.
According to this article, BitCoin is not yet regulated in India, but it isn't illegal. As you'd expect, adoption rates are higher in urban centres (Mumbai, Delhi, Pune, Bengaluru, Hyderabad, Kolkata, and Chennai), but adoption still seems slow.