DCB Can someone give their insights on DCB vs Axis Atlas

[jayanthvinay]

I am kind of spending most of spends in DCB and getting the base return of 3.33 and using smartbuy to get 6.6 to 9.9% returns. I am using the rewards to book domestic flights mostly with 70% utilisation of rewards as vistara doesn't have the network in the places where I am flying most of the times. But I was using magnus previously to get Accor points for hotel stays. I have to close my magnus card by October else I have to pay annual fee(which I will not do). I am kind of spending around 12 lakhs in DCB. I am confused on should I go for atlas because DCB conversation to accor is 2:1, which is less compared to conversion rate towards flights which I am using. I wanted some suggestions here

 

[helloworld]

I am kind of spending most of spends in DCB

so, this is kind of your primary card.

and getting the base return of 3.33 and using smartbuy to get 6.6 to 9.9% returns.

and you're using effectively on accelarated reward.

I am using the rewards to book domestic flights mostly with 70% utilisation of rewards as vistara doesn't have the network in the places where I am flying most of the times.

so, your requirement domestic flights?

But I was using magnus previously to get Accor points for hotel stays.

or hotel which must and should be Accor related?

I have to close my magnus card by October else I have to pay annual fee(which I will not do).

Close it.

I am kind of spending around 12 lakhs in DCB.

which waives the fee waiver for DCB.

I am confused on should I go for atlas because DCB conversation to accor is 2:1, which is less compared to conversion rate towards flights which I am using. I wanted some suggestions here

normally 2:1 if we assume 1 accor point = 1.8rs. then 1 reward point = 0.9p. and if spent on smartbuy it can be 2.7p.
so, reward ratio (on 150rs. spent) = 3% to 9%

and same if spent using atlas (it has limit in accor but hoping you're ok with it), then it will be

4.2% to 18%.

its upto you..

 

[dexter_greycells]

so, this is kind of your primary card.

and you're using effectively on accelarated reward.

so, your requirement domestic flights?

or hotel which must and should be Accor related?

Close it.

which waives the fee waiver for DCB.

normally 2:1 if we assume 1 accor point = 1.8rs. then 1 reward point = 0.9p. and if spent on smartbuy it can be 2.7p.
so, reward ratio (on 150rs. spent) = 3% to 9%

and same if spent using atlas (it has limit in accor but hoping you're ok with it), then it will be

4.2% to 18%.

its upto you..

The title of 'TF Legend' suits you @helloworld

 

[Wealth is my birth right!]

I am kind of spending most of spends in DCB and getting the base return of 3.33 and using smartbuy to get 6.6 to 9.9% returns. I am using the rewards to book domestic flights mostly with 70% utilisation of rewards as vistara doesn't have the network in the places where I am flying most of the times. But I was using magnus previously to get Accor points for hotel stays. I have to close my magnus card by October else I have to pay annual fee(which I will not do). I am kind of spending around 12 lakhs in DCB. I am confused on should I go for atlas because DCB conversation to accor is 2:1, which is less compared to conversion rate towards flights which I am using. I wanted some suggestions here

Close atlas
Push HDFC Bank to give infinia
Cond 8 l limit last 6 m 7.5 l spending