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Getting an upgrade to Pinacle LTF from Legend LTF

For forex you can use niyo global or indusind exclusive or pioneer debit cards. They have zero conversion fee
Yeah I already have debit cards with 0 forex , niyo global and fii.

But it’s good to keep a low forex credit cards also for some extra purchases as backup

I just couldn’t find any benefit of pinnacle over legend other than the priority pass with complementary lounge access , for lounge access I have many other cards . This indus ind card is only for offers and sometimes for forex transactions
 
Not LTF , giving vouchers equivalent to one time fees (GST extra). Not using legend at all because I don't exact reward rate and confused whether weekend spending include offline spending too?
Both are useless only, if not LTF.

Legend is 1% on weekdays, 2% on weekends. But for redemption at that rate, you need to use PWR and only half points can be redeemed in one transaction. For statment cash, it gives 0.75/1.5 only and charges 118 also. Further, most of the usual categories are put in 0.7 (0.525 cash) category.

For Pinnacle, 1/2 becomes 2.5. But rest of the things (1.875 statement cash, redemption charges, 0.7/0.525 for many categories) mentioned above still apply.
 
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