The fact that you are on TF is a good indicator that you do online shopping of some kind at least. Despite ICICI CC's lousy reward rates (except for Emeralde which has a fat annual fee), I believe everyone should have at one ICICI CC that is not Amazon Pay ICICI CC. ICICI often has 10% discounts with a lot of online retailers (Amazon, Flipkart, Croma, Ajio are the ones I came across just in the last 1 month) and you'll miss out on those. Sapphiro, if it is being offered LTF, is a no-brainer for the above reason plus its BMS offer. If it is paid then I don't recommend. You are better off with the Coral RuPay CC being offered LTF to most existing customers on iMobile.