I got my first BoBCard around Dec 2013, and HDFC MoneyBack May 2015 or so. Then I got cranked up after RuPay credit cards happened 2023 or so, almost simultaneously with credit cards on UPI. In 2023, got PNB in Mar, got BoB replaced with RuPay in Apr/May, then got Kotak in Jun, ICICI Platinum in...