I can’t complain too much about the AF because I don’t think I’ve ever paid it.... and therefore never got the 5k points so it’s never really mattered too much to me. Of course DCB can argue they’re giving you more than 5k in value in annual benefits nowadays. I’d rather have the miles though.

Amazon Pay benefit is nice... but when you can anyways get much more from Amazon through the inconvenient Smartbuy link... other than saving the money in your Amazon wallet - there is little benefit in that. I would much rather have the 25k 10x.

Separately - Has anyone got last month’s monthly benefits yet? HDFC sent me a mail saying that they will send it once the situation improves (whatever that means). Some of my other TataCliq vouchers are already expiring and I’ve already said farewell to my last BMS voucher... so being able to get some some extra vouchers quickly would help me make some larger purchases on TataCliq.