NCERT should be used as the main book. Refer to the syllabus and see if all topics there are covered in NCERT. Normally they are. But several times, NCERT book asks you to find out the answer. In such cases, you will have to rely on refresher.
However in refreshers, many extra topics are also dealt with and certain topics are given too much in detail. Such extra topics need not be studied.
Use refershers for simpler figures, easier explanations, getting answers to questions asked in NCERT, greater understanding of a topic and solving variety of questions.