HDFC pesters you to take credit card, and offers points on your spend. Redemption of points is terrible. They used to give Domino’s pizza gift cards against point redemption but that is also stopped. At least Domino’s outlets are everywhere. Now they are giving Pizza hut cards. There is no pizza hut outlet within 5 miles ! Why don’t they give dominos or macdonald’s ?? Why give cards where the outlets are very few? For whose benefit they give these things?
Maybe they give cards where they get maximum cash back for themselves.