India has uneven acceptance of Amex cards, and UPI is very popular. Is it really worth looking for transfer partners? Are the point benefits of a premium card worth the hassle of needing a backup Visa for local shopping?

In this USA–Iran conflict, the whole world will face the consequences of this conflict. My concern is how this whole tension will affect India's trade with Western countries now. The rupee price is at ₹86.58 per U.S. dollar. Will this increase the oil prices, and eventually will it impact India's currency and bond markets?