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Yes ₹149/- is the minimum monthly plan which one has to choose after 84 days to encash ₹201/- top up voucher (top up voucher cannot be used standalone). They have now modified their offer as the demand increase. In the beginning they were giving direct cash discount before the official announcement of the scheme from the Jio stores. With the official announcement they came out with multiple ₹201/- top up vouchers and now it is not clear & seems as mentioned that only one voucher will be clubbed with every recharge of ₹149/- or above if recharged before 31st March 2018. Scheme does not look interesting anymore.

I agree with @LTE4G data & call works simultaneously for me as well. Mine is VoLTE handset (Redmi 4A), not sure about non-volte handsets.

I am using LavaX11 as well as Redmi note 3 and never ever faced any such issue (Both handsets are VoLTE). Instead noticed that the call works simultaneously while data is also downloading. Get your handset checked - maybe there might be some issue with VoLTE.

It is not discount but you will get topup vouchers worth 2010 (with dongle) or 1005(without dongle). initially you have to pay full amount of Rs.1900 plus 408 plus you have to do atleast 149 x 10 recharges(totalling to 3798Rs) to get complete cashback benefit