I think they are getting strict as many of us just abusing their rewards platform. Approx 2.5% upto Rs 12500 per month is unrealistic as it is much migher than MDR. If any card is giving more returns than MDR, then the difference should come from somewhere else or they would incur loss.
The...
Login to your credit card rewards portal through app. In the home page itself, you will see a banner for welcome rewards. Redeem it from there.
I redeemed it yesterday itself.
some banks have policy to wait for 3 -6 months before re-apply. he used the wrong term, nothing else
contact then to refund the excess credit to your bank, if that's the issue.
If you have not done anything wrong, why are you worrying so much?
If you have done anything like that, then yes they may charge you even after getting NOC. Banks will recover their money if they want to.
Whenever the bank identifies any discrepancy, they can apply charges and will send you bill. They can apply charges even after years. You will have to pay it. It's written in their MITC