Agree. As I already told, SBI is only for time when you exhaust other cards. My IDFC is a 1.87% card while during campaigns we have got 2.5 to 3.5% with SBI VDC. So you or anyone else are free to use cards that give more benefits.As of now only DC that has a clear edge over sbi VDC are RBL EDC, Sig+, Kotak 811Super, and Hdfc Millennia DC. I find rest others more complex than what they offer in return. I have / had all of these hence telling from experience.