Very correct, even with fee also BOB DCs are worth for the intended usage for which they were designed forI also have multiple bob debit cards and they are worth their annual fees even with only their benefits. Sapphire with 4 airport transfers just for 750 rs + gst which is good value. And now this card with the flipkart and bb vocuhers worth 2k and 1 OTT membership for 599 fees.