With flight only redemption giving decent return this had become sort of redundant for me. It was great to have as long as vouchers were encashable at .25per point. Even did tax payments a lot and then paid bill by IDFC Wealth debit card, it was great combination. It was very good all rounder card till then. But did not last even for a year. Now I have closed this and moved to Axis Atlas, which gives better return if flights and Accor transfer is choice. There are lot more exclusions in Atlas spends but let me see how it works out.