Good point that it should not be viewed as a choice between T212, Avant and AIB Platinum. But rather how to combo all to maximise return. With the best strategy likely been Avant for groceries, T212 for everything else until you hit your €15 monthly maximum but not sure if using AIB Platinum as a third card is worthwhile given that cashback does not kick in until after 5k per year with AIB Platinum, I guess it all depends on how much one spends per month.