I’m looking into the HDFC Diners Club Black to see if I’m getting good value. Should I use my points for travel and dining, or will I lose value by getting products? I want to make sure I’m choosing the best options to get the most rewards.

My extra VPF contributions made my EPF taxable, so TDS got cut. But it's not on my tax statement (26AS) or Form 16. What can I do about this?