Need Advice-Card Portfolio and Swiggy card!!

[IamTechking]

Hey Everyone,

I need advice on 3 seperate things!

1. HDFC Swiggy Card-
As noted in my earlier post, I had applied the card as LTF basis the false lead by Credit(not so credible) and I have less than 4 days to activate the card else it becomes inactive. What should I do? I have been going back and forth for sometime now with grievance redressal and it has yielded no result. Should I activate the card and right it out? Or wait patiently for the card to be replaced by a card offer with LTF terms( barring the disappointment of credit check)?

2.DCP vs Millenia -
I have Millenia and SBI Cashback card and with Swiggy in my stable (might or might not), I thought of switching up my Millenia to DCP( as a more generalist card with appealing benifit of Intnl lounge and progress towards DCB). I currently have a standing offer of FYF for DCP. Should I snatch it in exchange for LTF Millenia?

3. Suggestions -
Any other suggestions of generalist card that I can and should consider? I have decent salary and my expenses aren't much( it averages out 10k in shopping, Maximum fuel expense of 3-4k, misc expenses of 2-5k and about 15k for a gold plan). I was considering amex but at current spends it doesn't make sense to me. I have UPI cards (kiwi and onecc) as well covered. I don't want to pivot to axis stable as it seems to complex for me. Any other suggestion are welcome!!

Thanks!!

 

[BK7]

Decent salary means ?

If you really need the Swiggy card, go ahead and activate it now and use it for a few months, and then try to get it converted to LTF (Lifetime Free) or wait, as HDFC might roll out LTF offers again like last year. Keep an eye on the Swiggy app and HDFC website for updates.

The DCP card isn’t accepted everywhere, so it’s wise to have a backup card. If you travel internationally or want lounge access, DCP may makes sense, they have movie ticket offers. Alternatively, you could consider the Regalia card if your income criteria meets it.

Also, what is your primary goal — cashback, rewards, or something else?

 

[IamTechking]

Decent salary means ?

If you really need the Swiggy card, go ahead and activate it now and use it for a few months, and then try to get it converted to LTF (Lifetime Free) or wait, as HDFC might roll out LTF offers again like last year. Keep an eye on the Swiggy app and HDFC website for updates.

The DCP card isn’t accepted everywhere, so it’s wise to have a backup card. If you travel internationally or want lounge access, DCP may makes sense, they have movie ticket offers. Alternatively, you could consider the Regalia card if your income criteria meets it.

Also, what is your primary goal — cashback, rewards, or something else?

Appreciate the response. When I say decent I meant somewhere just over 1L.
I don't have immediate use for the Swiggy card, but it was a good addition. I suppose you suggest I wait then?
I do have couple of visa and mastercard other than HDFC portfolio, so I am not really worried about the acceptance issue.
I think Rg has income threshold of 1.5 which is bit too steep for me and neither the fees not rewards justify holding it .
Sorry I didn't mention my goal earlier . My goal is to optimize the general reward rate and move towards lifestyle benefits and rewards. I have been indulging myself with cashback for over a year now and it seems like there is room from growth in terms rewards that I could benefit.

 

[BK7]

Swiggy Card – If you're not in a hurry, consider waiting for about 6 months before applying again. The Lifetime Free (LTF) offer may reopen—next time, try applying directly through the Swiggy app rather than via third-party platforms like CRED. Before proceeding with any LTF offer, it's advisable to confirm its validity by emailing: customerservices.cards@hdfcbank.com.
If you're concerned about a hard inquiry being wasted, that's a personal decision. However, you do have the option to escalate the matter through HDFC’s grievance redressal mechanism—starting with the Nodal Officer and, if needed, escalating to the Banking Ombudsman. This might help push for a goodwill-based LTF conversion.

DCP – I also tried applying for my wife, but the bank (branch staff and Relationship Manager) wasn’t willing to issue it as Lifetime Free.
Since you're aiming to upgrade from DCP to DCB, please be aware that you might not receive an upgrade offer purely based on your spending pattern—it could take several years to become eligible.

What’s your take bro? - @hellowo₹ld

 

[hellowo₹ld]

Hey Everyone,

I need advice on 3 seperate things!

1. HDFC Swiggy Card-
As noted in my earlier post, I had applied the card as LTF basis the false lead by Credit(not so credible) and I have less than 4 days to activate the card else it becomes inactive. What should I do? I have been going back and forth for sometime now with grievance redressal and it has yielded no result. Should I activate the card and right it out? Or wait patiently for the card to be replaced by a card offer with LTF terms( barring the disappointment of credit check)?

2.DCP vs Millenia -
I have Millenia and SBI Cashback card and with Swiggy in my stable (might or might not), I thought of switching up my Millenia to DCP( as a more generalist card with appealing benifit of Intnl lounge and progress towards DCB). I currently have a standing offer of FYF for DCP. Should I snatch it in exchange for LTF Millenia?

3. Suggestions -
Any other suggestions of generalist card that I can and should consider? I have decent salary and my expenses aren't much( it averages out 10k in shopping, Maximum fuel expense of 3-4k, misc expenses of 2-5k and about 15k for a gold plan). I was considering amex but at current spends it doesn't make sense to me. I have UPI cards (kiwi and onecc) as well covered. I don't want to pivot to axis stable as it seems to complex for me. Any other suggestion are welcome!!

Thanks!!

u do not need swiggy cc when u already have millennia or sbi cashback.

both are very good and sufficient to ur spending patterns.

moreover with your spends (apprx. 3L in a year) two cards are more than enough and u wont get much better returns by adding another card.

- can spend ur gold plan with millennia to gain extra 1% milestone benefit + can upgrade to dcb with it.

u do not need privilege to upgrade dcb, can go from millennia too, no issues. all it needs association (which u get with less number of cards by spending on them) and spends + luck.

better option regalia gold compare to dcp.

now about basic cards as ltf.. (which is unnecessary and waste of time, unless u believe ur income wont go further in future years)

Guide to Choosing the Right Credit Card - Basic Requirements

How to Choose the Right Credit Card for You Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors. Key Steps to Select a Credit Card: Identify Your Spending...

www.technofino.in

Do not worry much about 500rs. cards, even if not ltf use for an year and decide whether to continue or not. If they offer fee waiver well and good otherwise each year we have better and better cards.

LTF no longer useful for basic cards.