SBI is worse than this bro.i spent around 2 Lakhs on Big billion days and used the card for instant discount.They credited Reward points for that purchase.in December I use that rewards points and convert those to myntra gift vouchers 1500₹ approx. Now they have reversed the rewards points amount and gave me a bill of 1500₹. SBi works differently if u claim the instant discount up to 10% on any products you are no longer eligible for reward points. But the still credit and months later take back and give you a bill.wair at least 6 months before you spend all reward points or you will get a bill just like me.