@Reema Are multi-currency cards actually better than a good zero-markup credit card? They sound great for exchange rates, but I’m worried about hidden fees and whether they’re accepted everywhere. Has anyone compared the two in terms of ATM costs or getting a refund if a trip goes sideways?

Is the 1% cashback on the Amazon Pay load still valid, and do HDFC or Amazon have any recent terms and conditions that limit or exclude this cyclic load-and-withdraw method for earning points?

I'm trying to understand the tax implications of my father's EPFO account. I need to know:

Are taxes deducted currently, or are they applied only when funds are withdrawn? If the deductions happen upon withdrawal, what tax rate will be used, particularly in the context of his potential post-retirement income? Additionally, does the EPFO continue to accrue interest on accounts that have been inactive for more than three years?