@_ayush if you see plat travel also say member since 18 and also took in 2023 cause i had a supplementary card in my name through my dad's that why. so it Gold also picked up 2018 cause of the existing relationship back in 2018. and i never had a supplementary before so hence gold ACC show 2024.
@sousnake no usage on zenith expect for tap and pay for 300 amazon voucher and mayura for metal collection only and who know idfc might give a annual benefit on 2nd year.