Two fields in which one must never go by "common sense", Law & Finance. I agree something is better than nothing but in many people's experience, customer care will often say things not really true & for which they can't be held accountable.As for the case here, kotak 811 cb comes after weeks/month so most likely it is done via some sort of automation+manual intervention combo which means they can always manually exclude any txn they think is excluded even if it's mcc is not under the excluded category & most likely this is why they specifically mentioned "utilities payment" & not mcc of utility payments.
So, what exactly are we looking for? Do you want me to ask my friend to send them an email, or what? Forget friend, I can do that too but then they will reply in a week, and it'll be all done and dusted by then 😂😂
Maine ek baar aur 10k kinare laga diye
CC pe mujhe utna hi bharosa hai jitna 15L pe no Tax ki news pe hai
I was already expecting this so made another payment of 10k on setu & got the 500 cb as expected. To all those who are planning on going to RBI for this issue, if RBI consider even one of such case I will consider it a bigger miracle than organizing a Kumbh with zero fatality accidents. RBI is not there to solve ppl issues with rewards & cashback, it is there to solve issues like very late refund for failed txn or giving a paid card while "officially" advertising it as ltf initially etc.