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This removed utilities , gov, rent , emi from 5k spending quota so if you used to rely on snapay that won't work anymore. So unless you are spending 5k on shopping sites instead of better rewarding stick to this card else it's pretty much useless now. You can still keep it as it's Ltf for...

I am not sure how you can reverse this cc annual fee, it says 10 transactions so does it mean any 10 transactions (over 100rs) or only on bms. It also says its ltf as long as you are superstar on bms so does it mean if I use my other 50% off cc it will be ltf?