Hmm, I feel LTF Citi to LTF Axis conversion will be easier. Axis otherwise don't agree for LTF cards easily.
And I don't want to keep track of all spends or do wallet rotation just to avoid annual fee, unless the benefits are too good.
Some examples of too good -
1. Paytm Citi - 4% cashback on few occasions on rent payments including Paytm cb offer even after charges.
2. Axis privilege - 50% discount in form of Myntra vouchers on any Amazon purchase during Holi sale. When people were mad for iphone in 50k in Flipkart BBD, I got it for around 35-40K in Holi sale itself. That too without any worry of getting sold out quickly.
3. SBI cashback - Pretty straightforward. 3+5% discount on Amazon vouchers. 4% on educational payments even after charges.
4. Axis Magnus - Does it even need explanation 😂? Literally the best card one can have.
I took CITI rewards card just for its 5k welcome offer plus 875 worth bonus points. But after that, I never found any useful offers, which beat any of my other cards. So, it doesn't make sense to keep either Citi rewards or Citi cashback, if not LTF.