Is it possible to use Diners Club Black before it is delivered?

[Tosh]

So I applied for my first credit card, and it's approved and started reflecting in my net banking app. Credit limit and everything is visible, can I start using it by setting up the pin from the app, or do I need to wait for delivery?

 

[PavvanPavvan is verified member.]

1. The complimentary memberships are based on either of two if offered -

a. Realization of joining fee
b. Spend target

Current spend target offer is 1.5L in 90 days and then one can get them on fulfilling.

I got my DCB FYF with same offer and now in second statement, I have completed the spend target. They have now shown this in Statement under Reward points as FYF - 1 RP, Welcome benefit - 1RP. It generally takes 15 days for them to send the welcome benefit email and SMS. So I hope I will get in Sep first week.

2. Vouchers benefit is for each month. I got this in first month of July for meeting spend. I received SMS and email to redeem in Poshvine link by Aug 5 and the link is valid for 30 days to choose the options. Once you choose, it will be delivered to email/SMS and the other options become unavailable. This repeats for every month that one meets the spend target. Wellness offers are always available and you can choose any time.

You get these benifits next year only if you are spend is above 8lakh

 

[gurubhai]

Yes, it was through a partner institute program. We are eligible for DCB LTF if we apply. The criteria are also a bit lower. So just grabbed the opportunity with both hands.

So did they check income criteria as well for this?
Also is it mandatory to have HDFC account for this DCB LTF offer?

 

[Tosh]

So did they check income criteria as well for this?
Also is it mandatory to have HDFC account for this DCB LTF offer?

They do check the income, but I have seen people get the card for much lower than the required threshold of 21Lpa. No account is not mandatory for the offer.

 

[gurubhai]

They do check the income, but I have seen people get the card for much lower than the required threshold of 21Lpa. No account is not mandatory for the offer.

One last doubt, how much limit you got? standard 5L or less?
asking as this is your first credit card.

 

[Tosh]

One last doubt, how much limit you got? standard 5L or less?
asking as this is your first credit card.

I got a limit of 5L, I haven't seen anyone getting a limit less than that so far. Think that's the minimum you get with this card.

 

[sahil624]

I got a limit of 5L, I haven't seen anyone getting a limit less than that so far. Think that's the minimum you get with this card.

I got 4.75 lac. The same limit as my Regalia card. They didn’t upgrade my limit.

 

[Tosh]

I got 4.75 lac. The same limit as my Regalia card. They didn’t upgrade my limit.

oh, I meant when it's issued for the first time, I know upgrades can have different limits.

 

[gurubhai]

Also by any chance is there any list of these premier institutes?
I was able to get 15-20 colleges from some blog but no proper list.

 

[Tosh]

Also by any chance is there any list of these premier institutes?
I was able to get 15-20 colleges from some blog but no proper list.

I haven't seen an exhaustive list either. Maybe customer service can provide one if asked.

 

[gurubhai]

I haven't seen an exhaustive list either. Maybe customer service can provide one if asked.

When you applied, did your HDFC guy told you about some 200Km rule?
It was like your office and home should be within 200 KM to get DCB LTF.
Sounds weird but was this conveyed to you? or you already fulfil this constraint? 😅

 

[Tosh]

When you applied, did your HDFC guy told you about some 200Km rule?
It was like your office and home should be within 200 KM to get DCB LTF.
Sounds weird but was this conveyed to you? or you already fulfil this constraint? 😅

Hearing it for the first time, I had no idea that such a rule existed. You can ask them to make an exception. I do satisfy it though.

 

[Tosh]

Is the Dineout Passport membership complimentary with DCB card?

Can confirm it's not complimentary. I got 10% additional off when I updated my card details in the app. No passport membership.
If I were to spend 150k in the next 80 or so days(highly unlikely), I would update here.

 

[vibrant143]

Yes, it was through a partner institute program. We are eligible for DCB LTF if we apply. The criteria are also a bit lower. So just grabbed the opportunity with both hands.

How to get this partner institute program list ?

 

[Tosh]

How to get this partner institute program list?

Not sure about that; in my case, the bank reached out to us. You can ask customer support or visit a nearby branch I was told they are aware of this program.

 

[gurubhai]

How to get this partner institute program list ?

Visit nearest branch and ask if your institute is eligible. You will get your answers.