DCB Metal offer (Jugaad)

[shazansalim]

For 1 year I have been using my IDFC wealth debit card for offline spends and thanks to that I accumulated a cashback of around 1.4 lac, but unfortunately they have decided to stop the rewards program from 2026. Due to this I started looking for alternative to offline spends. After research I found infinia is the goat but out of my aukaat. Therefore I contacted someone I know to check if I can get DCB Metal.

He told me that it is possible, provided I make an HDFC account and after 2 months create an FD of 5-10 lac and then he will get things done and provide me the card only if my CIBIL is good. So he wants to check my CIBIL first, this will ofcourse give a hard query which I dont want. At the same time I am not sure whether by taking this route after 3 or 4 months I will have the DCB in my hands. At the same time he did not mention the duration of FD too (FD will be loss making for me as I have money parked in bonds giving 11% p.a)

I don't have a salary, I am a student.
So I wanted to know from the community; Shall I go ahead and follow what he said? I dont wanna be tricked at the end of this, especially when you plan for something for 4 months.
Secondly, Is there a better alternative? A debit card of 2% reward rate or a credit card easy to get with same reward rate?


Thank you for your attention to this matter!

 

[shazansalim]

Don't block your money. If you really really need to get, then go for an unsecured one. Depending on the spending pattern you can find mid tier LTF Cards which you can use to maximise reward rate for you.

Which card will be easy to get with around 2% amazon shopping reward rate?

 

[shazansalim]

If you don't mind, perhaps you can share exactly how much you are planning to spend next year (and forward).

Being a student, I don't think it is wise for you to even pursue the banks to avail a premium card. Banks love customers like this, perfect for them to meet some of their targets (especially when it is year end) by playing the customer into buying something they shouldn't.

If you have a high spend (considering all of this is not rent, property or such category which is usually excluded), perhaps you can get a premium card for one of your earning family member who has some CIBIL history (either through CCs or loans). And then, you can apply for an add-on card in your name. Many of these premium cards come with 2-3 complimentary add-on cards, i.e. it can availed for free. Of course, the rewards/points you'd earn will accumulate against your family member's account. If that's not a problem, I think this is your best bet at this moment.

It is mainly for shopping, also for some business spends, only a part of it (Don't worry the card wont get blocked, the manufacturers are using POS machines similar to shopping merchants so it counts as shopping) It might sound unethical but my thousand cashback wont hurt hdfc multi crore profits. So all utility bills, petrol, family spends will happen through the card only that will sum upto 3 lac per month. Also I am not sure if this card gives wallet rewards, so that i can load my wallet and pay upi as well, does anyone know?

 

[Sahil_07]

I do not have a salary bhai, woh kahan milega

Mil jayega, Simplisave/click leke thik se use karo,1 lakh+ spend Karo, upgrade option me aya jayega Elite

 

[Ramesh Chintamani Gopal]

For 1 year I have been using my IDFC wealth debit card for offline spends and thanks to that I accumulated a cashback of around 1.4 lac, but unfortunately they have decided to stop the rewards program from 2026. Due to this I started looking for alternative to offline spends. After research I found infinia is the goat but out of my aukaat. Therefore I contacted someone I know to check if I can get DCB Metal.

He told me that it is possible, provided I make an HDFC account and after 2 months create an FD of 5-10 lac and then he will get things done and provide me the card only if my CIBIL is good. So he wants to check my CIBIL first, this will ofcourse give a hard query which I dont want. At the same time I am not sure whether by taking this route after 3 or 4 months I will have the DCB in my hands. At the same time he did not mention the duration of FD too (FD will be loss making for me as I have money parked in bonds giving 11% p.a)

I don't have a salary, I am a student.
So I wanted to know from the community; Shall I go ahead and follow what he said? I dont wanna be tricked at the end of this, especially when you plan for something for 4 months.
Secondly, Is there a better alternative? A debit card of 2% reward rate or a credit card easy to get with same reward rate?


Thank you for your attention to this matter!

as far as I know with 10l fd it’s not possible for what they promising
So don’t get into their sales tricks

 

[Aniket Sharma]

I will be careful and confirm the card type first, also infinia k liye kahi na kahi se start toh karna padega na, what do you say

Better start by applying fresh instead of falling in trap, agents may say they will get you infinia but remember they aren't the approver, final decision will be taken by hdfc and even you apply for dcbm on c2c basis they will give you moneyback, agents can't even do anything.