yes, balances are shared. points for debit card are tracked separately. Lets say i login with with my id, i wont be able to see other account holders debit card and points.
Any online payment irrespective of credit card, debit card , other banking channels and even Cash withdrawals can be questioned from ITD. Cash expenditure do not have nay trail so generally ITD will never get a sense of those expenses.
No they specifically mentioned HSBC cash back card. It is not getting applied on HSBC platinum card. In-fact i wrote to HSBC on why are they not offering this on all cards and only promoting cash back cards.
I got the HSBC platinum LTF card. The process was smooth and got completed online. But the reward rate is very low and no offers. The provide offers on only Cash back cards (variant specific). Nothing on other cards.
1. Use it for rental payment may be to cross Annual fee milestone. 2. Otherwise try your luck by asking them that you do not wish to pay such high fee and make this as LTF. 3. Downgrade.
When did you got that ?
These days they are not doing this online. Fill the form online, https://www.online.citibank.co.in/credit-card/add-on-credit-card . Their rep will visit you to collect doc and KYC.