DCB DCB : Optimal usage

[faltooAdmi]

Hi everyone,

Recently I got my DCB ltf. It gives 3.3% base reward rate. (5 rp per 150 spent)

How should I use it properly?
Considering it's limit of 2500 daily and 7500 monthly on smartbuy.

--------Smartbuy: 5x flights-------
- 2500 points daily cap.
150 will give 25 RPs (5x).
So 15000 will give 2500 RPs.
Does it mean max I can book flights worth 15000 and then I would hit the daily limit (5x rewards upto 2500 points).

- Monthly limit is 7500.
25 rp per 150
7500 rp in 45000.
Does it mean max 45k worth of tickets would fetch accelerated reward points ?


---------Smartbuy: 10x hotels-------
50 rp per 150 spent.

Daily limit of 2500 would be hit in just 7500 Rs hotel booking ?

Monthly limit of 7500 would be hit in 22500 worth of hotel booking ?

--------------Gyftr--------------
What are the best vouchers to buy from gyftr through DCB?

I think all give 3x ?

(Recently had a bad experience. ended up buying an Ola 1000 Rs voucher only to realise that it's a 1 time use voucher with remaining amount lapsing if fare<1000. Also if planning to use it for airport then it can't be utilised fully as its on base fare only and not be used for toll/parking etc if in fare. Base Fare excluding all should be greater than 1000. So in reality your total fare should be around atleast 1300-1400 to utilise this 1000Rs voucher).

So I was hoping to learn about some good vouchers that can be bought without any headache and hidden T&C.

Any other suggestions to optimise DCB usage is welcome.

I am aware of 80k milestone benefits but I won't be targeting that. Also spending 1.5L in 90 days is going to be difficult so mostly I won't get all those welcome benefits as well.


Paying rent on RG with payzapp is still usable to earn points ?

 

[WhoU]

Hi everyone,

Recently I got my DCB ltf. It gives 3.3% base reward rate. (5 rp per 150 spent)

How should I use it properly?
Considering it's limit of 2500 daily and 7500 monthly on smartbuy.

--------Smartbuy: 5x flights-------
- 2500 points daily cap.
150 will give 25 RPs (5x).
So 15000 will give 2500 RPs.
Does it mean max I can book flights worth 15000 and then I would hit the daily limit (5x rewards upto 2500 points).

- Monthly limit is 7500.
25 rp per 150
7500 rp in 45000.
Does it mean max 45k worth of tickets would fetch accelerated reward points ?


---------Smartbuy: 10x hotels-------
50 rp per 150 spent.

Daily limit of 2500 would be hit in just 7500 Rs hotel booking ?

Monthly limit of 7500 would be hit in 22500 worth of hotel booking ?

--------------Gyftr--------------
What are the best vouchers to buy from gyftr through DCB?

I think all give 3x ?

(Recently had a bad experience. ended up buying an Ola 1000 Rs voucher only to realise that it's a 1 time use voucher with remaining amount lapsing if fare<1000. Also if planning to use it for airport then it can't be utilised fully as its on base fare only and not be used for toll/parking etc if in fare. Base Fare excluding all should be greater than 1000. So in reality your total fare should be around atleast 1300-1400 to utilise this 1000Rs voucher).

So I was hoping to learn about some good vouchers that can be bought without any headache and hidden T&C.

Any other suggestions to optimise DCB usage is welcome.

I am aware of 80k milestone benefits but I won't be targeting that. Also spending 1.5L in 90 days is going to be difficult so mostly I won't get all those welcome benefits as well.


Paying rent on RG with payzapp is still usable to earn points ?

I know all the answers but too lazy to type man you have asked a lot.

Edit:
1. Yes 15k flight a day
2. Yes 45k a month
3. Yes all give 3x, amazon pay gv is best of course since that is almost like cash. Though you need to pay around 150 extra for that.
4. Yes RG PZ gives points

FYI: You get 2x on weekend dining spends and also get discount on payment via dineout.

 

[faltooAdmi]

Does this 7500 monthly limit include both smartbuy & gyftr (instant vouchers) ?

 

[ltf4ever]

Does this 7500 monthly limit include both smartbuy & gyftr (instant vouchers) ?

any and all kinds of accelerated rewards (see 3x, 5x, 10x) etc

 

[faltooAdmi]

any and all kinds of accelerated rewards (see 3x, 5x, 10x) etc

Lets say I go for 3x rewards using vouchers.
Regular RP = 3000
Accelerated RP = 6000
Total RP (3x) = 9000

So that 7500 is breached already or I am still at 6000 RP (as 3000 was regular RP & only 6000 are accelerated) ?

 

[ltf4ever]

Lets say I go for 3x rewards using vouchers.
Regular RP = 3000
Accelerated RP = 6000
Total RP (3x) = 9000

So that 7500 is breached already or I am still at 6000 RP (as 3000 was regular RP & only 6000 are accelerated) ?

6000

 

[PiperatGatesofDawn]

OP your calculations are incorrect.

The caps are for the accelerated/bonus reward points not the base reward points. You will continue to earn @ 5 reward points per Rs. 150 spent indefinitely.

So going by your example:

--------Smartbuy: 5x flights-------
- 2500 points daily cap.
Rs. 150 will give 20 bonus reward points (4x bonus)
So Rs. 18750 spend will 2500 bonus reward points

You will need to calculate the rest of your reward points accordingly.

 

[aniruddhaadhe]

Daily limit on DCB is 2500 and monthly is 7500
Means approx 35k voucher we can buy per day (for 3x -1x regular and 2x accelerated ) to get 2500 accelerated points.

Each day 35k voucher, for 3 days . Total 1.05L voucher per month.
Is my calculation correct?

If above calc is correct, can we buy amazonpay vouchers worth 1.05L each month? 😜😅
Maybe using 3 of my family member mob no?🤞🏼

 

[PiperatGatesofDawn]

Daily limit on DCB is 2500 and monthly is 7500
Means approx 35k voucher we can buy per day (for 3x -1x regular and 2x accelerated ) to get 2500 accelerated points.

Each day 35k voucher, for 3 days . Total 1.05L voucher per month.
Is my calculation correct?

If above calc is correct, can we buy amazonpay vouchers worth 1.05L each month? 😜😅
Maybe using 3 of my family member mob no?🤞🏼

Your calculations are correct.

Assumptions on gaming the system aren't correct. 🙂 Amazon Pay monthly cap - 20k. Phone nos won't help.

 

[card_007]

DO we get milestone benefit on 80k, if we pay rent for partial amount and rest on wallet recharge?

 

[deepcards]

I know all the answers but too lazy to type man you have asked a lot.

Edit:
1. Yes 15k flight a day
2. Yes 45k a month
3. Yes all give 3x, amazon pay gv is best of course since that is almost like cash. Though you need to pay around 150 extra for that.
4. Yes RG PZ gives points

FYI: You get 2x on weekend dining spends and also get discount on payment via dineout.

instead of disliking my posts randomly to avenge me disliking your wrong post, its better to correct your calculations bro. the cap of 2.5k per day / 7.5k per month is for bonus rewards.

 

[card_007]

Here are daily and monthly spend limits to get max accelerated rewards on DCB:
For 3x: Daily - Rs 37,500, Monthly - Rs 1,12,500
For 5x: Daily - Rs 18,750, Monthly - Rs 56,250
For 10x: Daily - Rs 8,333, Monthly - 25,000

I hope the daily limits are removed as was done with Infinia! We all should write to DCB for this!

 

[ragz]

Hey folks any one can confirm if education payements on dcb get points or not? Like making a education payment through cred, paytm or freecharge?

 

[aceventura]

Does DCB LTF through Alumni program get the welcome benefit for spending 1.5L in 90 days?

 

[ankitfintech]

Does DCB LTF through Alumni program get the welcome benefit for spending 1.5L in 90 days?

Yes we get it

 

[aceventura]

Yes we get it

Cool, is there any tracker page for this, similar to the monthly milestone tracker? Do you also know if the 90 days is counted as 3 billing cycles or calendar months or 90 days from card activation?

 

[hritiksakshi]

7500 points is calender month or statement month?

 

[faltooAdmi]

7500 points is calender month or statement month?

Its in calendar month