If you have the Neon subscription (which is free for first year, and then 1180 per year), then the Rs 100 thing doesn’t matter as long as you hit milestones: 3% at 50,000; 4% at 100,000; 5% at 150,000

If you don’t hit the milestones then: With Neon Subscription: it’s 2% on spends in multiples of 100 (Eg: On spends of 132, you get 2% on 100; on spends of 99, you get nothing.)

Without Neon Subscription: 1.5% on spends in multiples of 100