Originally Posted by
vishalgupta22
I am not 100% but I think HDFC awards points in multiples of 150, also any transaction under Rs 150 earns nothing.
I looked at my statement. So it seems like HDFC DCB gives points rounding DOWN to the nearest 150. So spending Rs. 299 would get you only 5 points. Whereas with Citi who round to the nearest 100 - spending Rs. 299 would get you 12 points on Prestige!
I seems in practical terms there is a much bigger difference between DCB's 3.3% and Prestige's 4% reward rates assuming of course you're doing a large number or transactions.