Hmm, HDFC looks set to introduce a metal version of DCB that raises the daily and monthly cap of the current PVC DCB.
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nikhilesh71
TF Premier
I
I have been getting offer for paid infinia from ltf dcb from last 6 months. Refusing it at moment
What is your approx spend with DCB in the last 6 months, if you dont mind sharing?
Mine isnt a ltf dcb, its paid.
Paid infinia isn't bad at all incase meets the needs.
In your case from ltf to paid is a different scenario and you will be the best judge to see what fits.
Paid infinia isn't bad at all incase meets the needs.
In your case from ltf to paid is a different scenario and you will be the best judge to see what fits.
nikhilesh71
TF Premier
2022 spends were north of 10L, but last 6 months only 2-3 lakhs range.
sky_walker_rules
TF Select
guys y so much gaga over DCB, for normal spend SBI cashback beats big-time dcb anytime. smart buy is a joke with such an inflated hotel price, 3x rewards on apay gift card sucks. even smart buy flight price is higher than any abc portal forget abt Skyscanner etc. its a never 3.3% reward rate for me..its around 2.2% return on normal spends. btw i too hv DCB LTF,hence keeping
Comparing DCB with Sbi Cashback is like comparing apples to oranges.
DCB Reward points can be converted to airmiles where as Sbi Cashback is a cashback card.
sky_walker_rules
TF Select
agree & apart from Accor, I dont see much value in the DCB Airmiles program.DCB is not even mini old Magnus,but good card to keep if its LTF
Why accor
You can transfer your points to Turkish miles and smiles and book domestic as well as international flights
12k miles for Air India domestic business or 19k mile under promo to EU
Or may be transfer to Avianca
It's FYF ....
Hi, i have DCB LTF CC and LTF Axis Atlas CC and trying to get infinia FYF.
Based on my calculation HDFC DCB + Atlas is better than infinia if using redemption for airlines or hotels. correct me if i m wrong.
Considering 50,000 spends without any accelerated reward:
Atlas: 1000 EM= 2000 airmiles (value in Rs. 2000*1.8 for accor hotels)
Infinia : 1666 RP= 1666 airmiles (value in Rs. 3333*1.8 for accor hotels)
If we consider accelerated rewards for 50,000 spends:
DCB/ Infinia: 8333 RP= 8333 airmiles.
So for accelerated rewards i can use DCB and for normal spends i can use atlas.
However if accelerated spends are more than surely infinia is better considering accelerated reward points capping in DCB. also there is an additional option for tanishq redemption in Infinia.
Correct me if i am missing anything.
Based on my calculation HDFC DCB + Atlas is better than infinia if using redemption for airlines or hotels. correct me if i m wrong.
Considering 50,000 spends without any accelerated reward:
Atlas: 1000 EM= 2000 airmiles (value in Rs. 2000*1.8 for accor hotels)
Infinia : 1666 RP= 1666 airmiles (value in Rs. 3333*1.8 for accor hotels)
If we consider accelerated rewards for 50,000 spends:
DCB/ Infinia: 8333 RP= 8333 airmiles.
So for accelerated rewards i can use DCB and for normal spends i can use atlas.
However if accelerated spends are more than surely infinia is better considering accelerated reward points capping in DCB. also there is an additional option for tanishq redemption in Infinia.
Correct me if i am missing anything.
The multiplier on DCB and Infinia is also different depending on if you're buying vouchers/tickets.
Spent about 1.7L in the last two months with DCB, got 12.5K RP and 2000 worth of vouchers (BMS and Tata Cliq), and I am not even counting the instant discounts that I got for HDFC card. Probably will get the Welcome benefits of DCB for spending 1.5L in 90 days as well.
Same spends with SBI cashback CC would have fetched me a theoretical maximum of 8.5K, that is if I did only online spends and only in the included categories, which I most certainly did not. If I have to guess, possibly 5-6K cashback is what I would have got.
From my PoV, SBI Cashback card cant even beat DCB in theory let alone in practice. I dont mean to say SBI CB is trash, just that it has its place in my deck for certain niche websites not covered or has lower reward by my primary card. Ofcourse, for your spend pattern SBI CB could be better.
I had LTF DCB upgraded to metal paid 😀
You got your card in Hand?
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