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I wanted to know how the spends on add-on cards show up in statements. Are they shown separately so that I can sum them up per card? I learnt HDFC add on cards have the same number, so OTP only goes to the primary. In this case, it's impossible to track which card was used at least for online...

I have used NoBroker rent pay before. Assuming reward > markup, is there a downside? Any income tax implication on "friend"?

Too many terms used interchangeably. Reading this bankbazaar article, my understanding is the following. Say I buy something that costs $100. There's a currency coversion fee on it. Assuming 1%. Then there is the foreign transaction fee. Assuming 3.5%. So the final amount payable is ($100 + 1%)...