HDFC DCP vs Millenia

[harsha1]

Which one is better DCP dinners club privilage or Millenia credit card?

I got approved DCP not received physicalcard yet, but I was looking for Millenia cc

Can hdfc cc support team change card if we ask them?

Thanks

 

[drsel]

Millenia is better than DCP but not as good as SBI cashback

 

[rogerthat]

Which one is better DCP dinners club privilage or Millenia credit card?

I got approved DCP not received physicalcard yet, but I was looking for Millenia cc

Can hdfc cc support team change card if we ask them?

Thanks

Never take DCP. It combines the worst of all worlds. Pathetic reward rate, useless benefits, spend-based lounges, terrible acceptance rates. Write to Grievance Redressal they will change the card variant for you.

 

[drsel]

Best 3 of HDFC--
Infinia 60 lacs ITR
Biz black 30 lacs ITR
Swiggy 1st year free

 

[drsel]

Best cards in India --
Magnus burgundy
Infinia
Atlas
Airtel
Biz black
AU Lit
SBI Cashback

 

[Swastik]

Post in thread 'HDFC Bank guide to get LTF credit card' https://www.technofino.in/community/threads/hdfc-bank-guide-to-get-ltf-credit-card.25163/post-797436

This guy loves his DCP, even over Reg Gold, check it out

 

[Swastik]

Best cards in India --
Magnus burgundy
Infinia
Atlas
Airtel
Biz black
AU Lit
SBI Cashback

And i have none of these 🥲

 

[dexter_greycells]

Never take DCP. It combines the worst of all worlds. Pathetic reward rate, useless benefits, spend-based lounges, terrible acceptance rates. Write to Grievance Redressal they will change the card variant for you.

That's truth alright but amplified by a factor of 10x. I am Diners holder myself and used it without any issues in at least 9 cities across India at small and big stores. It is only online (Razorpay) where I have found an acceptance issue. The reward rate, while not in the top league, is still miles better than any ICICI or SBI card I can think of and even some other HDFC and Axis cards. Spend-based lounges are absolutely fine if someone has a limited number of cards and does have the relevant spends. The BOGO on BMS is a sweet addon if anyone is into movies.

 

[harsha1]

Does anyone understand these codes mentioned in hdfc cc form in Bank Use Section? Can please explain?

 

[rogerthat]

That's truth alright but amplified by a factor of 10x. I am Diners holder myself and used it without any issues in at least 9 cities across India at small and big stores. It is only online (Razorpay) where I have found an acceptance issue. The reward rate, while not in the top league, is still miles better than any ICICI or SBI card I can think of and even some other HDFC and Axis cards. Spend-based lounges are absolutely fine if someone has a limited number of cards and does have the relevant spends. The BOGO on BMS is a sweet addon if anyone is into movies.

When I had DCP (three years ago) it's online acceptance in Kerala was not very good (60% I would say). Local supermarkets and small restaurants rarely accepted it, as did car and jewellery showrooms. Online acceptance was downright nonexistent outside the big e-commerce players. School and LIC didn't accept it. So it was practically useless for any big and regular spends. So I used it only for random once a while purchases.

The thing is that having Axis Atlas as the primary card, it makes no sense to make any spends on DCP or Regalia Gold. In fact, any other card other than M4B/DCBM/Infinia/EPM.

 

[harsha1]

Hi Team, I got HDFC Dinners Club Privilage CC, I have called customer care to convert to VISA network card or issue Millenia Visa CC, bit they are denying it on call and in email not mentioning any reasons for deny.

Is this happened with someone else as well?

How do we get Millenia Visa CC , I am ok with current default limit of 2L , as DCP card is not accepted widely,

Any solutions?

Thanks

 

[rogerthat]

I had once converted Privilege to Regalia Gold but that was MasterCard. I asked them at the beginning but they refused. Later I spent around 2L lakhs in around 6 months and then tried again and then they relented.

The best way you can do is collect information on where it was not accepted (merchant name, POS machine company, time & date) and then write to them with the list. Use it wherever you can. The trick is that they should be convinced that you intend to spend on the card.