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Agree with everyone, go with DCB, I have a similar plan with LIC called endowment and gives a XIRR of 6.8%, bought it when I was you age and had less financial knowledge The only good thing about it that the 70k annual premium I pay is divided into 20 small policies which I can still pay on APAY...

I think Razorpay allows to pay using ASV/wallet, depends on how much are we paying.

True, all I'm saying is the more ppl you give that xx% the more it hurts the bottom line, and the faster it will be devalued. Again, it's my person feeling, not here to debate which is good or bad, I've both, and I plan to retain both.

Keep Infinia, Axis is giving Magnus like crazy probably to take on the competition, but the reward structure is not sustainable and I'm sure it would be devalued some day.

If you wan't to get into vouchers for points, I think it makes sense for both with the present set of limitations (10k with ASV/Apay on Magnus). You wud be able to generate using both cards, gives that much more flexibility.

I can still able to add 10x 10k vouchers in the cart & checkout, I'm confused.

Ok, I've a HDFC card, where the smartbuy page terms says a different story: Check the TNC link besides the discount code: https://www.gyftr.com/instantvouchers/yatra-com-gift-vouchers TERMS & CONDITIONS × 1. These Vouchers are valid for booking on - Hotels/Holidays (Domestic/International) only...

what happens when we cancel the booking ? does the balance with the voucher is restored ? Also, can I use the same voucher (with leftover balance) in multiple transactions ?