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I closed Ace and kept Ultimate. Works for insurance, and wallet. So far I rely on Ultimate for offline spending. Do what you think best 👍

Reward options worst by the way, just want something without worrying whether this transaction gives cashback/points or not at the cost of redemption.
For wallet, I have Eterna and for Insurance I have a combo of APay + Gyftr+ SBI Cashback. I was only looking for rent transactions via Ultimate but that too has been devaluated.
 
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