on 1L spend 4000 p + 1500 rs Tata cliq voucher every month that is 2.5%
on 5L reach 5000 Tata cliq lux voucher
on 10L 10K taj voucher
On 12L anual fee off
On 20L 20K Apple Voucher
if you have avg 2L use in month then
Annual 20L you get
18K +5k +10k +20K =53K vouchers only + 80K point that valiye is 20K