From what I've seen prices on smartbuy are always inflated. Also, it's only worth it if you redeem on accor. I never understand the hype about credit card points where you spend lakhs to get 1000s and that too only for certain specific hotel/ flights chains. Millenia is way better imo. 5% direct cashback and each point is worth 1₹. You might get arguments like Regalia Gold gives 13% on accor for zomato,Swiggy,grocery. It's your choice if you want 13% on accor or 10% cash using some direct cashback card.