Brain fade Kiwi Card
So I had a brain fade moment which costed dearly.
I had to pay Rs. 94400 for a professional subscription charges. The payment gateway had UPI option but when I went through it, it didn't allow Rupay credit card payment. So I went back selected credit card option, entered Kiwi Card details and paid it. thinking that this will satisfy my 2nd and 3rd milestones and will get rewards accordingly.
But suddenly moments after I entered the OTP and the transaction was successful, a dreadful feeling hit me and the sad realisation came after.. This transaction will not bother my kiwi milestone at all. Because kiwi milestone is only for UPI spend. And this was a non-UPI spend..
I just did it very instinctively because I used to do the same with Tata Neu UPI where it would not be accepted in UPI gateway but then enter it normally and still the rewards would be applicable. If only I had paid more attention, I could have easily used Tata Neu Infinity, which would have not only gotten me Neu coins, but also would have hit the spend limits on 2nd day of the quarter, enabling lounge access codes as well..this is the first time I've done it in Kiwi and so I'll have to wait till the statement generation to see what reward I'll get. I expect Yes Bank rewards at 2points per Rs.100 for non upi spending. And I don't know what's the value of that. Then I'm sure redemption will be another sh#t show...
What an absolute waste!!
Just wanted to share for conscious awareness in case someone like me who instinctively forgot about this due to habit..
Jaago Graahak Jaago.. (unlike me)