Backup card for HDFC Diners Club Black

[nvzard]

Earlier HDFC Regalia was my daily driver for offline spending but I recently got it upgraded to Diners Club Black. This card has good rewards but offline acceptance is not at par with Visa/Mastercard.

Here is my usage pattern:

HDFC DCB: LTF. Purely for Smartbuy vendors, lounge access, foreign spends and dine-out(swiggy). I use it offline wherever it's accepted (3.33% rewards rate)
ICICI Rubyx: LTF. This is what I am using right now when DCB doesn't work. Seems worthless.
SBI Cashback: For 5% cashback on random online payments without offers.
Airtel Axis: For Airtel bills and frequent Swiggy payments.
ICICI Amazon: Only for Amazon. This usage is being substituted by my DCB.
SBI SimplyClick: Worthless card. Don't use it anywhere. Not closing since it was my first card. Not LTF.

I am looking for a card that can be a backup card if DCB doesn't work offline.
I think Axis Magnus won't be suitable for me since my spending on it would be less than 1L. I don't think Amex MRCC would also benefit me as well since its acceptance is also low.

Looking forwards to suggestions and a review of my usage pattern.

 

[vaibhav111vaibhav111 is verified member.]

Earlier HDFC Regalia was my daily driver for offline spending but I recently got it upgraded to Diners Club Black. This card has good rewards but offline acceptance is not at par with Visa/Mastercard.

Here is my usage pattern:

HDFC DCB: LTF. Purely for Smartbuy vendors, lounge access, foreign spends and dine-out(swiggy). I use it offline wherever it's accepted (3.33% rewards rate)
ICICI Rubyx: LTF. This is what I am using right now when DCB doesn't work. Seems worthless.
SBI Cashback: For 5% cashback on random online payments without offers.
Airtel Axis: For Airtel bills and frequent Swiggy payments.
ICICI Amazon: Only for Amazon. This usage is being substituted by my DCB.
SBI SimplyClick: Worthless card. Don't use it anywhere. Not closing since it was my first card. Not LTF.

I am looking for a card that can be a backup card if DCB doesn't work offline.
I think Axis Magnus won't be suitable for me since my spending on it would be less than 1L. I don't think Amex MRCC would also benefit me as well since its acceptance is also low.

Looking forwards to suggestions and a review of my usage pattern.

IDFC First bank CC you can go for and LTF Tata Neu for UPI and POS swipe, rupay varaint.

 

[netsec]

If you are using Vistara frequently then, I would recommend Axis Vistara Infinite Card else IDFC can be a good option.

 

[nrb]

One more option is Axis Ace for offline 2%

 

[nvzard]

A rupay card for UPI seems like a good idea but I am hoping Visa/MasterCard will enable this sooner or later.

Since my spending would be low, I don't think it'd be worth getting a card with an annual fee for a ~ 2% cashback.
Both Axis Ace and Vistara are out of the picture since Vistara doesn't have good flights from my city. Anyway, axis has devalued its lounges but I have DCB for that.

I haven't really explored IDFC First Cards but as of now, LTF Tata Neu Rupay seems like a good option but would HDFC issue 2 cards?

 

[nrb]

A rupay card for UPI seems like a good idea but I am hoping Visa/MasterCard will enable this sooner or later.

Since my spending would be low, I don't think it'd be worth getting a card with an annual fee for a ~ 2% cashback.
Both Axis Ace and Vistara are out of the picture since Vistara doesn't have good flights from my city. Anyway, axis has devalued its lounges but I have DCB for that.

I haven't really explored IDFC First Cards but as of now, LTF Tata Neu Rupay seems like a good option but would HDFC issue 2 cards?

Yes HDFC will issue 2 cards. One primary and one co-branded.
I already hold regalia and tata neu from HDFC

 

[sd.ac]

HDFC DCB: LTF. Purely for Smartbuy vendors, lounge access, foreign spends and dine-out(swiggy). I use it offline wherever it's accepted (3.33% rewards rate)
ICICI Rubyx: LTF. This is what I am using right now when DCB doesn't work. Seems worthless.
SBI Cashback: For 5% cashback on random online payments without offers.
Airtel Axis: For Airtel bills and frequent Swiggy payments.
ICICI Amazon: Only for Amazon. This usage is being substituted by my DCB.
SBI SimplyClick: Worthless card. Don't use it anywhere. Not closing since it was my first card. Not LTF.

I am looking for a card that can be a backup card if DCB doesn't work offline.
I think Axis Magnus won't be suitable for me since my spending on it would be less than 1L. I don't think Amex MRCC would also benefit me as well since its acceptance is also low.

Looking forwards to suggestions and a review of my usage pattern.

I know it's exciting to suggest new cards but for the spending you describe, I think you have too many already. I would suggest using the ICICI Amazon or Airtel Axis card wherever the DCB fails.

Over a period of 6 months to a year, you could also try and upgrade the DCB (despite the LTF) to an Infinia - make it the primary - and then close some of the less rewarding cards at that point.

 

[nvzard]

I know it's exciting to suggest new cards but for the spending you describe, I think you have too many already. I would suggest using the ICICI Amazon or Airtel Axis card wherever the DCB fails.

Over a period of 6 months to a year, you could also try and upgrade the DCB (despite the LTF) to an Infinia - make it the primary - and then close some of the less rewarding cards at that point.

What a wise answer. I absolutely agree with you. Will stick to ICICI Amazon for that 1% cashback on POS transactions.

Good suggestion with Infinia. That's what I was planning to do, either Magnus or Infinia once my spends reaches > 1L/month.

 

[burugu]

Earlier HDFC Regalia was my daily driver for offline spending but I recently got it upgraded to Diners Club Black. This card has good rewards but offline acceptance is not at par with Visa/Mastercard.

Here is my usage pattern:

HDFC DCB: LTF. Purely for Smartbuy vendors, lounge access, foreign spends and dine-out(swiggy). I use it offline wherever it's accepted (3.33% rewards rate)
ICICI Rubyx: LTF. This is what I am using right now when DCB doesn't work. Seems worthless.
SBI Cashback: For 5% cashback on random online payments without offers.
Airtel Axis: For Airtel bills and frequent Swiggy payments.
ICICI Amazon: Only for Amazon. This usage is being substituted by my DCB.
SBI SimplyClick: Worthless card. Don't use it anywhere. Not closing since it was my first card. Not LTF.

I am looking for a card that can be a backup card if DCB doesn't work offline.
I think Axis Magnus won't be suitable for me since my spending on it would be less than 1L. I don't think Amex MRCC would also benefit me as well since its acceptance is also low.

Looking forwards to suggestions and a review of my usage pattern.

Hi,

Standard chartered ultimate card will use backup of dcb card

 

[sabandi]

Hi,

How did you receive swiggy dineout membership with your DCB LTF card.

 

[nvzard]

Hi,

How did you receive swiggy dineout membership with your DCB LTF card.

I had that before getting the card.

 

[nishan]

Yes HDFC will issue 2 cards. One primary and one co-branded.
I already hold regalia and tata neu from HDFC

Do you get a offer for this or do you have to ask your RM?

 

[It_is_Naruto]

Earlier HDFC Regalia was my daily driver for offline spending but I recently got it upgraded to Diners Club Black. This card has good rewards but offline acceptance is not at par with Visa/Mastercard.

Here is my usage pattern:

HDFC DCB: LTF. Purely for Smartbuy vendors, lounge access, foreign spends and dine-out(swiggy). I use it offline wherever it's accepted (3.33% rewards rate)
ICICI Rubyx: LTF. This is what I am using right now when DCB doesn't work. Seems worthless.
SBI Cashback: For 5% cashback on random online payments without offers.
Airtel Axis: For Airtel bills and frequent Swiggy payments.
ICICI Amazon: Only for Amazon. This usage is being substituted by my DCB.
SBI SimplyClick: Worthless card. Don't use it anywhere. Not closing since it was my first card. Not LTF.

I am looking for a card that can be a backup card if DCB doesn't work offline.
I think Axis Magnus won't be suitable for me since my spending on it would be less than 1L. I don't think Amex MRCC would also benefit me as well since its acceptance is also low.

Looking forwards to suggestions and a review of my usage pattern.

My opinion...keep spending on Rubyx and upgrade it to Sapphiro or emerald.
Since you are not interested in Rupay ( which could have been a nice secondary option)...use this to upgrade to higher cards one by one....starting from icici

Other cards you can try for (LTF)
Idfc wealth
AU zenith ( try swipe up program)

 

[adldeeps]

After upgrading to DCB Metal
I obtained Tata Neu. And also LTF Swiggy world/Master so using Neu and Swiggy card as backup

Focussing ony these 3 from HDFC and avoiding spends any other card to be able to reach spend for criteria for Infinia.

I am Assuming that if I spend 8L in 6months (combined among these 3 HDFC Cards) I will become eligible for Infinia.

Can someone confirm or correct my assumption that 8L spread in 3 HDFC Cards sharing same limit will make me eligible for Infinia. Will I have to close one of those cards to achieve higher limit