But every transaction can be of at max ₹50,000/- as VDC limits it. So, 9L ÷ 50K = 18 transaction everyday within a month (to get 1K bonus). Previously it was 1K bonus points on 1L spent now they've added it needs to be within a month which is challenging. If the previous would've continued you'll need to spend only 5L for 10K points, 5L gives 5K points and 1K additional for each 1L spent through VDC.