Yes. Actually I took it just because of 1 st yr free having no joining fee. Will keep it only if it can be converted to ltf. But unfortunately they denied
I think 70-80k spent as of now mostly due to bills and offline spends.
Now I pay bills using other cards due to convenience charges for ace on google pay. For offline spends, 2% reduced to 1.5% Cb, so that also stopped using. Many other categories also stopped by axis so not finding the value.