If you're using Swiggy and Uber a lot, the 4% cashback makes this card worth keeping. Plus, ₹3.5 lakh in annual spending wipes out the fee anyway. I'd only close it if you're barely using those partners or if you're struggling with the high-interest rates. My suggestion is to keep an eye on your quarterly cashback rewards. If they’re looking low, you might want to let it go; but if they’re looking good, keep it in your wallet.