From the user's perspective, not really. Many people compare their credit card to Bitcoin even if the way these systems work are completely different (credit network atop fiat versus digital asset, as you say).
At the end of the day, all that matters is how fast, secure and reliable these things are to the user. If they can pay for their loaf of bread within 5 seconds and easily pay off their credit card once a month, and the Bitcoin alternative is using a crypto-exchange, exposing yourself to volatility risk, all for something that is slower and less reliable at the point-of-sale... Bitcoin is far behind.
Sure, if we had a credit system on top of Bitcoin, it would probably have an easier time competing with VISA credit cards, but the fact is that does not exist so cannot easily be compared today.
A Bitcoin transation is not a credit facility. This is an important differentiation.
When you pay with a credit/debit card, the money isn't transferred right away.
Visa/MC check to see if they are willing to approve the transaction(see if you've breeched your limit)
if they are, they guarentee that you are good for the money, and the merchant approves the transaction.
A few days later, visa will settle with the merchant, paying your debt on your behalf.
You then pay visa on your monthly schedual.
Visa also act as an escrow of sorts, If there is fraud, or the transaction becomes void, Visa is equally liable to sort it (depending on country).
Bitcoin has none of these functions, it is just digital cash, with a public ledger. Whats worse is you need a credit function to allow quick purchasing of thing with bitcoin, because of the time needed for verification.
Without a relable and safe credit/escrow system digital currencies will just be limited to the brave or those who have a decent cradit facility.