I'm trying to determine if a dedicated 5% dining card is actually worth it for me. My dining spend is pretty low — maybe ₹1,000 a month — and I'm already getting 3%. By the time I factor in the annual fees and those annoying reward caps, does it make more sense to just focus on a single card with lower fees?

Are only Indians able to purchase these coins, or can people from other countries also purchase them?

I took the medical loan but recently paid off my loan and found my credit score dropped by 95 points. That seems like a lot for only one payment. Is this sudden improvement a sign of progress?

I am a college student, and what are the documents or proofs required to open a regular savings account in PNB? What should the Minimum Account Balance (MAB) be for a student? Is there another bank I should consider?