DCB HDFC Diners Club Black Metal Credit Card

[bonheur]

Hmm, HDFC looks set to introduce a metal version of DCB that raises the daily and monthly cap of the current PVC DCB.

 

[nikzcool]

Any pointers to tnc where it mentions the 5x or 3x on gyftr, for dcb metal.

The Website doesn't seem to be updated to reflect the multiplier for dcbm.

 

[Tosh]

Any pointers to tnc where it mentions the 5x or 3x on gyftr, for dcb metal.

The Website doesn't seem to be updated to reflect the multiplier for dcbm.

No changes in multipliers compared to plastic one. Only the daily cap is different

 

[aceventura]

Any pointers to tnc where it mentions the 5x or 3x on gyftr, for dcb metal.

The Website doesn't seem to be updated to reflect the multiplier for dcbm.

It is mentioned here: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=
There is no difference between DCB and DCB metal except for the daily and monthly limit on accelerated rewards.

 

[nikzcool]

No changes in multipliers compared to plastic one. Only the daily cap is different

It is mentioned here: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=
There is no difference between DCB and DCB metal except for the daily and monthly limit on accelerated rewards.

Thanks for the info.

 

[watchguys]

For DCB metal, will insurance transactions count toward 4L mile stone ?

 

[PSY]

For DCB metal, will insurance transactions count toward 4L mile stone ?

Yes, it does.

 

[Enthusiast]

80K spends for calendar month or billing month to be eligible for 1000 rs voucher benefits...?

 

[thanix]

80K spends for calendar month or billing month to be eligible for 1000 rs voucher benefits...?

It is calender month.

 

[PSY]

It is mentioned here: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=
There is no difference between DCB and DCB metal except for the daily and monthly limit on accelerated rewards.

Daily limit and monthly limit and milestone benefits. Monthly milestone benefits have been removed and quarterly milestone benefits have been introduced in Metal.

 

[sid16]

Key question, will advance tax be a part of the 4 lakh per quarter calculation? For DCB Plastic, it was a part of calculation for monthly 80k milestone and annual 8L milestone, even though they didn't give points on the same. So with DCB Metal, if I pay quarterly advance tax of 4L with this card, will I get the 10k points? If that's the case, it becomes a really sweet card for advance tax payers. Only few credit cards continue to give benefits for paying advance taxes. Also, Diners platform is accepted for payment of advance taxes. Even better, HDFC Charges 0.72%+GST for HDFC cards whereas 0.80%+GST for other bank cards for advance tax payment, so that tiny benefit is also there.

Earlier, we were getting Rs. 12000 vouchers a year (Rs. 500 x 2 per month) and also annual milestones benefits like Amazon Prime, Forbes, Swiggy, Club Marriott, etc. But with DCB Metal, we can potentially get 40000 points while also waiving off annual fees. I think annual 40000 points is better than DCB Plastic monthly + annual milestone benefits. Please let me know your views on the same.

 

[sid16]

On T&C page for welcome benefits and milestones for DCB Metal, the following has been mentioned. So I am optimistic that government transactions should be counted towards milestones as they have in DCB Plastic. Otherwise, it is a garbage offer for me.

 

[sid16]

Had coulple of queries:
1. Does RentPay (through RG) give rewards point on DCB metal? And is it counted in milestone?
2. Are goverment spends (NPS in particular) counted towards milestone?

For point no 1, always use HDFC Billpay to pay rent via redgirraffe. In my experience, they have always given rewards points and I haven't been charged 1% when I pay via HDFC Billpay.

 

[sid16]

View attachment 34190


Left plastic card
Right metal

Weight : 18g
Magnus weighs 12g

Looks are near to identical.


Ps: the image doesn't do much justice to the card.
Looks and feels Better in person.

Did you get the same number on the card? Or did the number get changed? I know the CVV always changes.

 

[PSY]

Did you get the same number on the card? Or did the number get changed? I know the CVV always changes.

Numbers also change for the metal variant

 

[PSY]

For point no 1, always use HDFC Billpay to pay rent via redgirraffe. In my experience, they have always given rewards points and I haven't been charged 1% when I pay via HDFC Billpay.

Let’s see. Paying this month’s rent with Metal. Will come to know in 2 weeks if it’s still free or chargeable.

 

[sid16]

Let’s see. Paying this month’s rent with Metal. Will come to know in 2 weeks if it’s still free or chargeable.

Sweet! Do let us know. Currently using Kotak White and IDFC First Wealth cards for government transactions. If DCB Metal joins the party, then it will be really helpful.

 

[thanix]

Let’s see. Paying this month’s rent with Metal. Will come to know in 2 weeks if it’s still free or chargeable.

First rent payment in a calendar month is always free in any platform for hdfc bank cards. But no reward points except for HDFC bill pay --> RG route.

 

[PSY]

First rent payment in a calendar month is always free in any platform for hdfc bank cards. But no reward points except for HDFC bill pay --> RG route.

This was there is DCB plastic T&C as well?

 

[nikzcool]

New numbers, the series is different for dcb and dcbm

Did you get the same number on the card? Or did the number get changed? I know the CVV always changes.

 

[thanix]

This was there is DCB plastic T&C as well?
View attachment 36273

This is what I got for regular DCB at start of new year.

Revision in the Fee structure w.e.f 1st January 2023:
1.For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.