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"Do you have XYZ Credit Card?" Thread
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<blockquote data-quote="guest_999" data-source="post: 2505772" data-attributes="member: 44054"><p>Say you get 100 reward points for doing a txn on amazon/flipkart/any site during sbi card 10% instant discount offer then on irctc card these 100 points will be credited to your irctc wallet where they can be used at a conversion rate of 1 point for 1 rupee. Since sbi card can't deduct amt from irctc wallet they will instead put a debit charge of Rs.100 in your card acc in a future statement (may take 2-3 months). That is why irctc sbi card is the worst card to take for sbi card sale unless you can those points for booking rail tickets. heard something similar about other col-branded cards like FBB etc where RPs also gets credited into the brand wallet linked to the card.</p></blockquote><p></p>
[QUOTE="guest_999, post: 2505772, member: 44054"] Say you get 100 reward points for doing a txn on amazon/flipkart/any site during sbi card 10% instant discount offer then on irctc card these 100 points will be credited to your irctc wallet where they can be used at a conversion rate of 1 point for 1 rupee. Since sbi card can't deduct amt from irctc wallet they will instead put a debit charge of Rs.100 in your card acc in a future statement (may take 2-3 months). That is why irctc sbi card is the worst card to take for sbi card sale unless you can those points for booking rail tickets. heard something similar about other col-branded cards like FBB etc where RPs also gets credited into the brand wallet linked to the card. [/QUOTE]
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