card.enthusiast
TF Buzz
I have been tracking my expenses and cashback for last 8 months and I am not able to reconcile where they give 1% and where they give 5%.
When they say "online", it looks like purely Indian e-commerce sites like Flipkart, Amazon, and BigBasket qualify, and not really other places you pay on web. Places I've not gotten are- Tata AIG insurance, Google workspace account, Uber, Indeed premium, any charity (e.g. Goonj, Akshaypatra), Flynote vacations (received once, didn't receive second time), Agoda hotels, etc. This is approximation because my calculated numbers and their numbers don't exactly match.
Because of this uncertainty, my net cashback for last year is 2.6% even though I use this card exclusively online. This is less than 3.3% default from Diner Black where I don't have to think at all. Moreover in middle of month when I check I see one number, in the statement I see different number (even smaller), and in the credit I see even other different number than in the statement. When asking customer service, they sent generic response on which MCCs are eligible and which not. This doesn't explain why their own statement amount and credit amount are different.
I want to cancel this card. What am I missing?
When they say "online", it looks like purely Indian e-commerce sites like Flipkart, Amazon, and BigBasket qualify, and not really other places you pay on web. Places I've not gotten are- Tata AIG insurance, Google workspace account, Uber, Indeed premium, any charity (e.g. Goonj, Akshaypatra), Flynote vacations (received once, didn't receive second time), Agoda hotels, etc. This is approximation because my calculated numbers and their numbers don't exactly match.
Because of this uncertainty, my net cashback for last year is 2.6% even though I use this card exclusively online. This is less than 3.3% default from Diner Black where I don't have to think at all. Moreover in middle of month when I check I see one number, in the statement I see different number (even smaller), and in the credit I see even other different number than in the statement. When asking customer service, they sent generic response on which MCCs are eligible and which not. This doesn't explain why their own statement amount and credit amount are different.
I want to cancel this card. What am I missing?
