1. Capping for 1.5% cashback.
2. More reduction in capping for 5% and 4% cashback put together
3. Reduction in percentage of cashback for 5% and 4% category.
4. Increase the annual waiver amont from 200K.
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If you look closely, rotations may not be always a MS. Like if you pay bill of a credit product with another product, it is still a personal expense and it is the merchant/platform who is allowing so. Although this should be prohibited but again this a debatable topic indeed. If someone does...