Sft transactions credit card; income tax

I understand that credit card bill of Rs. 4.5 lakhs paid via your mother's bank account. If this understanding is correct, then it would not create any issue as that would amount to gift from relative and same is exempt from income tax. No one can guarantee if you get notice on such transaction, but this type of arrangement is common and do not think much issue associated with that.

Regards,

Manoj

a. No the bills were paid using the funds in MY account via that were transferred from my mother's account. So funds from my mother's account, that is mentioned in my filings to my account that is not mentioned in my filings because there is no money deposited into that account apart from the ones that is transferred from my mother's account. This qualifies as gift? 

b. Also i read about the limits. Since no cash payment beyond 1lac has been done or transactions of more than 10lac in one year, is a notice still possible?

c. And if i do have to file this how should I go about?

I'm using credit card vigorously just for cashback points. But my monthly billed statement is <5000. I'm repaying the dues before the statement is been generated. Till now, i made 20L + usage in credit card but the overall billed statement is < 1 lakh.   Will I be traced in form 26 AS under SFT-006? Will IT department found me?

Read more at: https://www.caclubindia.com/forum/credit-card-billed-statement-lt-10lakhs-596471.asp