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Rarely known info about HDFC DCB hack on Swiggy

I get atleast 1 refund for payment failure in irctc through various gateways. They always show up as separate entry but don't think it's imps/neft. I always assumed that whatever ER i received will be reversed! Let me check in next statement.
 
I get atleast 1 refund for payment failure in irctc through various gateways. They always show up as separate entry but don't think it's imps/neft. I always assumed that whatever ER i received will be reversed! Let me check in next statement.

Even refund shows IRCTC MPP,NEW DELHI,IN, but I do not see reversal of points anywhere 🤔
 
Once I bought washing machine from Croma - on No cost emi + Merchant cashback scheme. Del was about 4-5 days but after couple of days, they called and told me product is out of stock and insisted for higher model, i denied and asked for refund. They issued refund but meanwhile my transaction was converted in to EMI so I received cashback + No cost EMI for even refunded amount.

I read somewhere that this is know technique, now a days croma gives no cost option online as well, can try ordering and cancelling if exact timeframe known. And for croma, i dont think account block can be issue like amazon

Can be used once in a few months may be
 
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