What is bank reward system abuse ? don't Indians have civic sense in this too ?

[hender]

I strongly believe in karma and you ALWAYS get the fal of your karma

You or karta might not realize it now thinking I will just close the card how will I get my fal... I will just get the benefit

But you ALWAYS get the fal

Just one scenario.. User a didn't study hard or anything just looted rewards and made lakhs in his teenage years... User b was ethical or just not involved in rewards... He studied hard to get money any money in future

Fast forward 20 years...

Banks systems have evolved... User a has been blacklisted by many banks.. He didn't bother to study became arrogant as he was the only one with money at his early age... But now he has nowhere to go... Why?

KARMA. Don't cry when you get the phal. Do better KARMA.

If you are a gen alpha or teenager reading this please don't think karma is an outdated or abstract thing. Learn about it or better think about it, You know within what is good and bad karma... You just choose to ignore it for your own comfort

Please feel free to ignore it but don't cry later on when you get the deserved phal. Watch Kurukshetra on Netflix if you don't know anything about Indian history and learnings from it. Will put you on right start for your learning journey

Karm ka Siddhant - "Law of Karma"

 

[Nikhilize]

I strongly believe in karma and you ALWAYS get the fal of your karma

You or karta might not realize it now thinking I will just close the card how will I get my fal... I will just get the benefit

But you ALWAYS get the fal

Just one scenario.. User a didn't study hard or anything just looted rewards and made lakhs in his teenage years... User b was ethical or just not involved in rewards... He studied hard to get money any money in future

Fast forward 20 years...

Banks systems have evolved... User a has been blacklisted by many banks.. He didn't bother to study became arrogant as he was the only one with money at his early age... But now he has nowhere to go... Why?

KARMA. Don't cry when you get the phal. Do better KARMA.

If you are a gen alpha or teenager reading this please don't think karma is an outdated or abstract thing. Learn about it or better think about it, You know within what is good and bad karma... You just choose to ignore it for your own comfort

Please feel free to ignore it but don't cry later on when you get the deserved phal. Watch Kurukshetra on Netflix if you don't know anything about Indian history and learnings from it. Will put you on right start for your learning journey

All these KARMA theories are pure bullshit man. Created by elites to control masses

 

[Abhishek012]

"Banks have to pay for every voucher that gets redeemed."

No. We get paid.

"If someone redeems an Amazon Prime voucher, the bank has to pay a ₹1,499 fee."

😹😹😹😹😹 Amazon pays us for each sign up. Unke liye long term hota hain ek 1499. Since most customers don't cancel.

"Even debit" card rewards were always cancelled after expiry date.

Itne confidently galat info kaise share kar lete ho bhai? 😹😹😹😹😹😹😹

Jo jo bankers hain ya gift card/voucher companies waale Hain sab has rahe hain is baat pe ki "banks have to pay". Voucher deals are wildly advantageous for us. More they redeem, the merrier. Every unredeemed voucher is a massive loss for us and the issuer.

Dude, the bank pays for everything. Amazon doesn’t have extra money to give Union Bank or other banks from its own pocket.
Whatever it is — gift vouchers, lounges, etc. — the banks pay for all of it from their own pockets.

 

[La pasión]

Lagta h Abhishek bhai aaj kal ethics mai masters kar rhe h

 

[Abhishek012]

I strongly believe in karma and you ALWAYS get the fal of your karma

You or karta might not realize it now thinking I will just close the card how will I get my fal... I will just get the benefit

But you ALWAYS get the fal

Just one scenario.. User a didn't study hard or anything just looted rewards and made lakhs in his teenage years... User b was ethical or just not involved in rewards... He studied hard to get money any money in future

Fast forward 20 years...

Banks systems have evolved... User a has been blacklisted by many banks.. He didn't bother to study became arrogant as he was the only one with money at his early age... But now he has nowhere to go... Why?

KARMA. Don't cry when you get the phal. Do better KARMA.

If you are a gen alpha or teenager reading this please don't think karma is an outdated or abstract thing. Learn about it or better think about it, You know within what is good and bad karma... You just choose to ignore it for your own comfort

Please feel free to ignore it but don't cry later on when you get the deserved phal. Watch Kurukshetra on Netflix if you don't know anything about Indian history and learnings from it. Will put you on right start for your learning journey

Do you know, the people who promote pseudoscience pick up 2–4 words from real science — like ‘quantum physics’. And the people who hear it go, "Oye hoye bande ne Quantum ki baat kiya Quantum ki". Then they keep blindly saying anything in the name of quantum physics.

In the comment, the words you used — ‘karma’, ‘gen alpha’, ‘teenager’ — the people who hear these react just like pseudoscience listeners: Oye hoye. Bande ne "karma" kaha "karma", "gen alpha" kaha dude, "gen alpha". They even said Kurukshetra, bro, Kurukshetra. Netflix — wow! He said Netflix.

That’s why you can see two people already happy with your comment. -

 

[kiwi195]

ChatGPT ne share kari hai 😂

Itne confidently galat info kaise share kar lete ho bhai? 😹😹😹😹😹😹😹

Jo jo bankers hain ya gift card/voucher companies waale Hain sab has rahe hain is baat pe ki "banks have to pay". Voucher deals are wildly advantageous for us. More they redeem, the merrier. Every unredeemed voucher is a massive loss for us and the issuer.

 

[Abhishek012]

Lagta h Abhishek bhai aaj kal ethics mai masters kar rhe h

Ya, aao kabhi sikhayenge tumhe 😀 😀 🤣 🤣

 

[msankadi]

Do you know, the people who promote pseudoscience pick up 2–4 words from real science — like ‘quantum physics’. And the people who hear it go, "Oye hoye bande ne Quantum ki baat kiya Quantum ki". Then they keep blindly saying anything in the name of quantum physics.

In the comment, the words you used — ‘karma’, ‘gen alpha’, ‘teenager’ — the people who hear these react just like pseudoscience listeners: Oye hoye. Bande ne "karma" kaha "karma", "gen alpha" kaha dude, "gen alpha". They even said Kurukshetra, bro, Kurukshetra. Netflix — wow! He said Netflix.

That’s why you can see two people already happy with your comment. -

View attachment 114577

Or Occums razor...they just liked my comment and agreed with what it said...

When faced with competing explanations for the same phenomenon, the simplest one—requiring the fewest assumptions—is usually the best.

 

[Adith]

If something isn’t useful for you, then simply don’t redeem it.

Apply for a card only for the things you actually need.

Look, there are two simple points:

Just because you are getting something for free doesn’t mean you must use it somehow — even if that means selling it to others.

And this is what ‘civic sense’ means. Not me — the whole world says that Indians don’t have 'civic sense'.

Use the card milestone benefits only when the gift vouchers you receive can be used for your own personal needs.

Second, and most important:

Some people may argue that they want to recover their card’s fee. They took the card for personal use but still aren’t recovering the money, so they sell gift vouchers to cover the cost.

Well, even to such people — I’m not talking about those people. My post wasn’t for those people.

I am talking about those who have taken 25, 50, 75 or even 200 cards and have basically started a buy-and-sell business. I am talking about those people.

And who the hell are you to tell someone what they should or shouldnt redeem? How do you know if something is useful to someone or not?

Each person;s life and scenarios are unique. Seriously hate these sort of " im better than everyone, hence i can morally police people" idiotic posts.

Are you the breadwinner for everyone's family? is it your time and money being spent?

What someone does with their time, money and effort is their own business. Who are you to morally police people?

So based on your own logic, if bank blocks someone's account for genuine case, you will help them by handling their finances?



Banks have blocked people's account, they have made people run around for refunds, a lot of banks give people loans in MCLR rate instead of RLLR rate. I dont see you doing anything on twitter regarding this. I dont see you help anyone with schemes like this. All you do is parot Rupay.

If you genuinely want people to not do wrong things, maybe help out with actual issues. Instead of acting like you know better.


Have we stooped so low that someone can literally say only he knows better and everyone else is basically defrauding the system?

Please explain wtf wallet loading means. Please.

If i take a Millenia Debit card, ( btw since you lack basic financial knowledge, when you spend via debit card, you are spending your own hard earned money, its not bank's money) and use it to wallet load to a full KYC wallet ( which has your Pan card details so its monitored ) , and then put it back in your bank account, its not money rotation. You are sending it between your own accounts. It gives 1% CB, thats all. So if the 1% cb stops, its now NOT a system abuse?


Who assumes the risk when wallet loading is being done? Customer. If money gets stuck, if it fails during redemption, im the one stuck with the refund process and my money being blocked. Whose data was given in KYC ? Customer. Who is answerable to Income tax ? Customer. But im doing abuse?

I love how you yourself push C2C payment tricks which are actual abuse cause it comes under money rotation but you think you have the moral right to say Debit card to wallet to bank account is abuse. Damn, so much hypocrisy.

@ Mods. Have we now stooped to a level where someone that openly pushes C2C tricks can call out others in public and say they are abusing?


SO let me get this right :

1. I pay for RML
2. I pay for my Debit cards
3. I pay for my bank accounts
4. I give MY data for getting these
5. I spend MY time to get all of this sorted
6. Someone else comes and ruins everything
7. Same person has the guts to say everyone else is wrong
8. But when things are genuinely bad or need help, same person wont be there
9. The same person also parrots actual money rotation tricks
10. But we are the abusers.

@2025 Whatcha think bro.

 

[Abhishek012]

ChatGPT ne share kari hai 😂

AI logo ko dumb karta ja raha hai.

Mai kisi ko personally target kar k nahi bolna chahta hu but koi bol raha tha mujhe 2 din pahele ki mai ek union bank wale employee jo kam karta hai usko sikha raha hu.

Yaha baat sikhane ki nahi hai.

Govt job me problem yeh hota hai ki Responsibility and Credibility naam ki koi chiz nahi hoti hai.

Aur mai yeh lower level k govt employee ki baat nahi kar raha hu, Uppar management wale he kabhi traning nahi dete hai PSU employees ko.

Aur dete bhi hai toh bahut bada ques mark ? aata hai, uske Responsibility and Credibility k uppar.

So, individually hum kisi ko blame nahi kar sakte hai govt companies or banks me.

So if I have to blame someone, I will blame the entire system structure of govt companies/banks.

 

[Adith]

Look, i was already pissed off with how a person can keep doing things and always get off scotch free. But this, this is on a whole new level of arrogance.

This is basically saying " Im unerring , im always right. Whatever i do, its correct no matter how wrong. I also have free reins to call out others and ruin things"

This is such a triggering post and insulting on a whole other level. Its like there is someone on a power trip and no one from the mod team even wants to deal with it.

My suggestion : Kindly remove the rankings of TF Ace and TF buzz and everything.

Just make it, TF Others, TF Mods and TF This dude. Cause thats how it feels like.

 

[Abhishek012]

And who the hell are you to tell someone what they should or shouldnt redeem? How do you know if something is useful to someone or not?

Each person;s life and scenarios are unique. Seriously hate these sort of " im better than everyone, hence i can morally police people" idiotic posts.

Are you the breadwinner for everyone's family? is it your time and money being spent?

What someone does with their time, money and effort is their own business. Who are you to morally police people?

So based on your own logic, if bank blocks someone's account for genuine case, you will help them by handling their finances?



Banks have blocked people's account, they have made people run around for refunds, a lot of banks give people loans in MCLR rate instead of RLLR rate. I dont see you doing anything on twitter regarding this. I dont see you help anyone with schemes like this. All you do is parot Rupay.

If you genuinely want people to not do wrong things, maybe help out with actual issues. Instead of acting like you know better.


Have we stooped so low that someone can literally say only he knows better and everyone else is basically defrauding the system?

Please explain wtf wallet loading means. Please.

If i take a Millenia Debit card, ( btw since you lack basic financial knowledge, when you spend via debit card, you are spending your own hard earned money, its not bank's money) and use it to wallet load to a full KYC wallet ( which has your Pan card details so its monitored ) , and then put it back in your bank account, its not money rotation. You are sending it between your own accounts. It gives 1% CB, thats all. So if the 1% cb stops, its now NOT a system abuse?


Who assumes the risk when wallet loading is being done? Customer. If money gets stuck, if it fails during redemption, im the one stuck with the refund process and my money being blocked. Whose data was given in KYC ? Customer. Who is answerable to Income tax ? Customer. But im doing abuse?

I love how you yourself push C2C payment tricks which are actual abuse cause it comes under money rotation but you think you have the moral right to say Debit card to wallet to bank account is abuse. Damn, so much hypocrisy.

@ Mods. Have we now stooped to a level where someone that openly pushes C2C tricks can call out others in public and say they are abusing?


SO let me get this right :

1. I pay for RML
2. I pay for my Debit cards
3. I pay for my bank accounts
4. I give MY data for getting these
5. I spend MY time to get all of this sorted
6. Someone else comes and ruins everything
7. Same person has the guts to say everyone else is wrong
8. But when things are genuinely bad or need help, same person wont be there
9. The same person also parrots actual money rotation tricks
10. But we are the abusers.

@2025 Whatcha think bro.

Did you even read my post?

When did I ever say wallet rotation etc. is bank reward system abuse? 😀😀

Go ahead and do it, I never said it’s wrong. I was replying to that comment and explaining. For personal use, none of this is wrong — simple. 😀 😀

 

[Adith]

Did you even read my post?

When did I ever say wallet rotation etc. is bank reward system abuse? 😀😀

Go ahead and do it, I never said it’s wrong. I was replying to that comment and explaining. For personal use, none of this is wrong — simple. 😀 😀

Your post, and this reply is what im referring,. Forgot to quote it in my response.

You also quoting some random magical 100 DC 200 DC nothing is also what im talking about.

Using a catchy number example which is on an extreme end to say everything is wrong.

And who are you to say what is personal use? Do you represent the bank or Income tax department?

So if i take a card, and i give my cousin amazon prime, he buys me dinner next time, thats business use?

If something isn’t useful for you, then simply don’t redeem it.

Apply for a card only for the things you actually need.

Look, there are two simple points:

Just because you are getting something for free doesn’t mean you must use it somehow — even if that means selling it to others.

And this is what ‘civic sense’ means. Not me — the whole world says that Indians don’t have 'civic sense'.

Use the card milestone benefits only when the gift vouchers you receive can be used for your own personal needs.

Second, and most important:

Some people may argue that they want to recover their card’s fee. They took the card for personal use but still aren’t recovering the money, so they sell gift vouchers to cover the cost.

Well, even to such people — I’m not talking about those people. My post wasn’t for those people.

I am talking about those who have taken 25, 50, 75 or even 200 cards and have basically started a buy-and-sell business. I am talking about those people.

 

[Abhishek012]

Your post, and this reply is what im referring,. Forgot to quote it in my response.

So what did I say wrong?

In another comment I already said this is my view. Your view can be different.

Like I joke many times — when people say I keep talking about RuPay RuPay.

So I say, I said what I wanted to say, now I can’t put a gun to someone’s head and force them. People will apply the card whatever they want. 🤣🤣

If you feel none of my statements are right, then don’t listen. Simple.

People also tell me 1000 things, I ignore them. They’re wasting their energy.

Here, you should understand that I’m the one wasting my energy.

 

[Dashanan]

But when people start trading these offers with others, that’s called abusing the bank’s reward system.

First and primary question is "tere ba*p ka kya ja Raha tha be @Abhishek012, log personal use kare ya commercial -- how are you getting affected by people abusing bank's system?"

Some of them will become loyal customers of the bank and RuPay for life.

And bank will pay you commission for each customer right? You are that one r**di that gets paid by owner of k**ha for each customer you satisfy, haina?

Banks want to benefit their own customers

Banks don't want to benefit anybody, banks are there as a business for profits. One person gets 100 cards vs 100 people get one card each - it is the same load on bank server, infact less pressure on employees of bank to cater to. Bank will get same amount of fees and charges for the number of cards issued either to one person or 100 people.

From the bank’s perspective, this is exactly why offers exist—so loyal customers join and stay.

And from bank employee perspective tell me -
What will be efficient?
1. One branch catering to 100 people at a time
2. One branch catering to one person at a time
Reply with 1 or 2


Lastly, who are you to think on behalf of corporations and government? As a human you should seek your own benefit first rather than thinking about the loss of companies. Companies can minimise or recover their losses by hedging but your tweets and posts impact those who don't even know the meaning of hedging.

 

[Aniket Sharma]

First and primary question is "tere ba*p ka kya ja Raha tha be @Abhishek012, log personal use kare ya commercial -- how are you getting affected by people abusing bank's system?"


And bank will pay you commission for each customer right? You are that one r**di that gets paid by owner of k**ha for each customer you satisfy, haina?

Banks don't want to benefit anybody, banks are there as a business for profits. One person gets 100 cards vs 100 people get one card each - it is the same load on bank server, infact less pressure on employees of bank to cater to. Bank will get same amount of fees and charges for the number of cards issued either to one person or 100 people.

And from bank employee perspective tell me -
What will be efficient?
1. One branch catering to 100 people at a time
2. One branch catering to one person at a time
Reply with 1 or 2


Lastly, who are you to think on behalf of corporations and government? As a human you should seek your own benefit first rather than thinking about the loss of companies. Companies can minimise or recover their losses by hedging but your tweets and posts impact those who don't even know the meaning of hedging.

Banks never ever donate a penny with anyone

 

[Nikhilize]

Clearly they are not loosing money. People are looking at PSU banks only because of these offerings specially younger gen

 

[Abhishek012]

Clearly they are not loosing money. People are looking at PSU banks only because of these offerings specially younger gen
View attachment 114589

Banks earn a lot, I never said the bank will face losses.
Just use things genuinely for personal use and the offers will last for a long time.

 

[SSQ]

Clearly they are not loosing money. People are looking at PSU banks only because of these offerings specially younger gen
View attachment 114589

Yes, it's my top performer. Thanks for posting, feels good.

 

[Broodi]

Dude, the bank pays for everything. Amazon doesn’t have extra money to give Union Bank or other banks from its own pocket.
Whatever it is — gift vouchers, lounges, etc. — the banks pay for all of it from their own pockets.

😹😹😹😹😹😹😹
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