Right now, there isn't a permanent 1% cashback for loading your Amazon Pay balance. Those offers usually depend on random promotions that come and go. Plus, HDFC has updated its terms — most of its cards don't provide reward points for wallet loads anymore. Relying on the 'load-and-withdraw' method isn't a solid strategy these days. It’s better to use verified offers rather than expecting a guaranteed bank reward on every load.

EPFO withdrawals are tax-free if the total employment duration is 5 years or more. Withdrawals before 5 years are taxable, with TDS at 10% if the amount exceeds ₹50,000. Exemptions apply if the withdrawal is due to illness, company closure, or reasons beyond the employee’s control.