I'm sort of in the same boat in thinking that I'm not renewing the card. In places where I'd normally use mobile (supermarkets, drugstores) I get better returns with other cards. For places that are not under any category I find that I prefer getting 2X MR with my BBP than this card. I guess it's all about the pooling effect with flexible earning currencies (MR, UR, TYP) that sort of makes this the odd card out. I like the card, but can't find a way to justify even the net AF.