I have the Mastercard and my balance a minute ago is the same as it was two days ago. Not sure what happened before then though - I haven't been keeping track at all.

As for the 3 vs 5, if the Rs 5,000 includes the ticket discounts then it's definitely the better option, no?

(I'm clearly not the best person to ask though, because all I did was read your review and call Citibank to switch, remember? )