But which credit date are we talking about here. I have been using the IndusInd Select Visa card for over 6 months now. I always get all my points in the same month, granted I make my transactions mostly by the 2nd week of the month. And even if I recall spending at the end of the month, my points got credited next month and then, the next month I got 3000 points as well. So where's the catch that you guys are talking about?