I suggest you switch up your strategy a bit. Use UPI for small purchases since it's free, and save the Millennia card for bigger buys to get 5% cashback. The Indulge card really only makes sense if you’re spending over ₹10 lakh a year; otherwise, it’s just a costly card that doesn't do much for you. It might be a good idea to check your statements every few months. If the fees are higher than the rewards you’re actually getting, it might be time to consider canceling it.

Hey @Myra-Kapoor

When you're deciding between co-branded hotel points (like Atlas/Accor) and a fixed-value portal for your domestic flights, the answer really comes down to your specific travel patterns. If hotel stays dominate your travel, stick with Atlas.

However, if frequent flights are your priority, the fixed-value portal offers much better flexibility and more reliable rewards because you avoid all those annoying limitations on availability and the blackout restrictions that co-branded programs are famous for.