DCP over Millenia

[Aviii]

So I applied for DCP over Milenia, both were LTF . I already have Sbi CB and I won't be using millenia considering the recent Devaluation and Sbi has got me covered. So the question is do we get 4RP on insurance payment, MF payment and NPS payment as well using dcp? And what will be the best way to redeem the RP? Voucher or CB considering I don't travel much. Also it was a good decision I believe that I went for DCP instead of millenia considering I have Sbi CB.Let me know your thoughts

 

[s1t2y3a3m6]

DCP ???

HDFC devalue all cards not only millennia

 

[nayra]

4RP on insurance payment, MF payment and NPS payment as well using dcp

4 per 150 on insurance yes, cap of 2000 points daily
MF Payment - Not possible with any credit card afaik
NPS is most likely government transactions - NO, even if yes, 4 per 150 is useless when paying credit card bill gateway charges

Yep Millenia is useless considering you have SBI CB.

DCP Reward points can be used to buy Dominos, Pizzahut etc vouchers at 0.5 value, if you are not gonna travel. CB is useless, 0.2 value along with 99+ GST Charges on redemption
Bookmyshow BOGO is a plus, and you still have core Swiggy/Zomato 5x along with Gyftr.
Personally I wanted Millenia but got DCP LTF😢, but I'm gonna make best use of it. Maybe DCB someday...

RP related TnC: https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Super Premium/Diners Club Privilege New/Privilege-RP-T-n-C.pdf

DCP ???

Diners Club Privilege

Mark as answer if this clears your doubts.

 

[Aviii]

4 per 150 on insurance yes, cap of 2000 points daily
MF Payment - Not possible with any credit card afaik
NPS is most likely government transactions - NO, even if yes, 4 per 150 is useless when paying credit card bill gateway charges

Yep Millenia is useless considering you have SBI CB.

DCP Reward points can be used to buy Dominos, Pizzahut etc vouchers at 0.5 value, if you are not gonna travel. CB is useless, 0.2 value along with 99+ GST Charges on redemption
Bookmyshow BOGO is a plus, and you still have core Swiggy/Zomato 5x along with Gyftr.
Personally I wanted Millenia but got DCP LTF😢, but I'm gonna make best use of it. Maybe DCB someday...

RP related TnC: https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Super Premium/Diners Club Privilege New/Privilege-RP-T-n-C.pdf


Diners Club Privilege

Mark as answer if this clears your doubts.

I will try to see if there are any charges when doing transaction through NPS( even if the RP outweighs the extra cost I will go for it). Basically I want to reach that 75K milestone to get the welcome benefits. Regalia gold seems almost same as this one though but since I don't travel much. Won't be of that much use I believe. But to me swiggy CC > millenia now. HDFC literally killed millenia to make swiggy CC superior.

 

[Aviii]

HDFC devalue all cards not only millennia

Yes but it added some extra charges for redemption of the CB in millenia. The only good thing about millenia was CB. So I think that's a big blow to Millenia.

 

[nayra]

I will try to see if there are any charges when doing transaction through NPS( even if the RP outweighs the extra cost I will go for it)

Looking forward to hearing any unexpected benefit results! I have NPS Payments too.

 

[Aviii]

Looking forward to hearing any unexpected benefit results! I have NPS Payments too.

Once I get the card I will update. I have applied for the card today only.

 

[nayra]

Regalia gold seems almost same

the almost is significant imo.
Max redemption value jumps to 0.65 for Regalia Gold.
No spend restrictions for lounge (15k is very less considering DCP benefits but still not free).

 

[Aviii]

No spend restrictions for lounge (15k is very less considering DCP benefits but still not free).

I heard its1lakh per quarter in regalia gold for lounge access.