Do I accumulate Points on all my transactions?

Both regular and promotional cash back only applies to Retail Purchases. Any transaction by the way of Cash Advances, Balance Transfers, Loan on Phone, Purchase of Foreign Currency ,Foreign Exchange ATM, Purchase of Bonds or any money market or savings instruments, Quasi cash, payment to any loan or Credit card, and charges like Interest, Late Payment Penalty, Over Limit Penalty will not be eligible for Cashback.

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