I understand your frustration but I would be more damned if they put earning/redemption cap, and x% redemption on the premium card. I can handle Axis blocking accounts to a certain extent and improve their logic to do it. While doing so I am pretty sure some legit users may affected. Tbh we don't have enough data to say that Axis is doing this to a large chunk of its customer base. I still don't feel like introducing capping on rent txns, Group A/B thing is a good thing to handle this. I even built a loyalty program for tier 2 cities and we faced a similar issue but I was not in favour of introducing capping and all. When we tried to block accounts or deduct rewards based on our logic, some legit users got affected. It is very complicated, the best solution is to provide the card to a premium set of people like Infinia used to do.