I am using tata neu from last 1 year & now I am going to charge annual fee of Rs.1499 + 18% GST = Rs.1,768.82
I spent almost 1,60,000 with this card & accumulated around 2000 points. So if I calculate 2000 - 1768.82 = Rs.231.18.
So using this card only for UPI spends doesn't seems to be good for me as there are other LTF cards which give 0.5% per 100 spend. Means if I would have use that card I would have get Rs.800 (1,60,000 * 0.005)
Note:
I sent mail to multiple folks including pno but rejected to make it as LTF.