It was a major flaw yes - when you brought back a charge to bank transfer - you have basically eliminated the flaw - the only thing remains is the transfer to Paytm bank account, which they promised will be free. They could have blocked that too.
Freecharge keeps cashbacks separate. Mobikwik used to keep that separate, recently started nonsense of only 10% of remaining cashback usage at a time. So not sure why Paytm could not implement the same.
Freecharge keeps cashbacks separate. Mobikwik used to keep that separate, recently started nonsense of only 10% of remaining cashback usage at a time. So not sure why Paytm could not implement the same.