BOB latest changes provide 1.5 rewards on certain categories and one of the category in that is 'fast food restaurants', performed few transactions on Swiggy and Zomato and got same reward points, so completely stopped using them or any food related restaurants.
Effective from 15th November, 2022 BOB Financial going to change its reward system for all bob credit cards. You'll earn 50% less reward for all spends done on special categories. MCC codes of all special categories are listed below- Major categories that are excluded- Rent, utility bill...
www.technofino.in
Strange thing is one of the core feature of BOB is 15 reward points on dining but recent devaluation removed that option, yet to try some big restaurants but not sure whether I'll use this card or not when in doubt.
Problem with any offline reward cards is MCC be it fuel, grocery, dining everything depends on MCC and we do not know its category unless we purchased something and experience it.
[UPDATE] Got 5x on PayZapp and PayTm wallet load this month. p.s: 15pts on INR 100 spends (1pts = 0.25paise) How payzapp dude i tried got 0 for rs 100
www.technofino.in
another core feature is 15 reward points on travel but not getting like earlier, so consider that also mind.
So far, only use cases amazon/flipkart etc. and wallet loading with some checks for 15 reward points, everything else they removed it as per my transactions.
