I am trying to book a refundable rate at two Taj Hotels in India for next year to use up the two 4NF stays for this year. The rate shows refundable on the page where you select the room type with a one night penalty if canceled within 3 days of check-in. But when you click through, on the next page it says non-refundable with no refund for cancellations or changes. The behavior is the same whether you apply the 4NF benefit or not. What gives?! And WT*! Has anyone else experienced this?

I had thought I would keep the Prestige till my next renewal in fall 2020 because they've basically rebated me the AF for this year with a retention bonus, but given how hard / useless the 4NF is, now I'm thinking of downgrading the card to a Rewards+ come January after I use the travel credit for next year. I also have a Premier which I can use to transfer to air miles. Sure, I'd lose the Prestige's 5x on restaurants and travel but I'm not sure that's worth $175 for 6 months - at a 1.25cpp valuation for TYP (though admittedly you can easily get more value than that), I would need $7000 in travel spend to make up the 2x TYP difference for the travel category between the Premier and the Prestige.