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I applied using income docs as my company was on the approved list that they have. No idea if they accept C2C or not. You can check in the SC thread or contact the branch and apply offline as their online application has some issues.

I think DCB gives 3x on instant vouchers so you can do the math. Plus it will help hit milestones on DCB as well. Moreover, you can buy instant vouchers for other sites as well like Swiggy, BB, etc which don't have any extra charges for site-specific usages.

Buy Amazon GV and pay utility bills using those.

I think Eterna for online spending until its sweet spot each month and SC Ultimate should be the go-to option. For offline spending, Eterna's reward rate isn't good so SC Ultimate can be used. Moreover, SC Ultimate gives 1 reward point for every Rs 30/- so helps if the amount is small to collect...

I applied online. Process took around 20 days.

If you have ITR more than 30lacs then they will issue you LTF Eterna.

I will close Ultimate once I receive DCB. A combo of Eterna and DCB will be fine for me. First-year they give 6000 reward points so only taking a small hit.

My collection: Card Name Credit Limit Fees ICICI Amazon Pay 2,00,000 LTF Flipkart Axis 50,000 LTF HDFC Regalia 3,00,000 LTF Zomato Edition Classic 50,000 LTF IDFC First Select 3,00,000 LTF HSBC Platinum 1,50,000 LTF BoB Eterna 1,00,000 LTF SBI Simply Click 1,50,000 500...

@TechnoFino Please add me to the VIP lounge.