1. 3.33% in infinia vs 3% on epm
2. Add on cards for more apay gv in infinia
3. Smartbuy has jockey, pharmeasy, myntra, redbus, irctc and some others with 3x/5x/10x which ishop doesnt have
4. MOST important, infinia/dcb points get credited next day to next month max. Ishop is on 90 day cycle...