With convenience fees eating into the ₹2,000 benefit on the IndusInd Indulge, is it still worth it? Am I losing money by keeping a 'premium' card when there are better options, such as HDFC Millennia, or using UPI to avoid extra fees?

I find that Atlas works well with Accor hotels, but the conversion rates for domestic flights seem lacking. On the other hand, Amex shines more with hotel bookings rather than flight bookings. Given that I frequently travel between Hyderabad and Bangalore, should I reconsider whether co-branded points or a straightforward fixed-value portal might offer me more reliable and beneficial rewards?