Infinia Optimise spends on DCB and Infinia

[blew]

Hi folks,

I've LTF plastic DCB and FYF Infinia Metal. How should I optimise my spends on it?

I've some big jewellery expenses coming up so want to accumulate vouchers for ASV and Amazon Pay to later buy jewellery vouchers from Amazon.
Only way I see is to get couple of add ons and buy vouchers using Infinia every month. Is there a way to use DCB as well to buy vouchers considering I can get add ons for the same people I can get for infinia.

Other cards I hold are sbi cb and sapphiro dual. I can probably continue buying APay from SBI CBI as well.

Also, in a broader sense, is DCB only limited to weekend dining now (where swiggy is not accepted) or is there any other use as well for that card?

TIA!

 

[dexter_greycells]

IF you have spends that will give you the same returns on DCB / Infinia
AND IF the spends exceed 80k in a calendar month
THEN use DCB instead of Infinia to get monthly milestone benefit of Rs 1000 in vouchers (I always go for Rs 500 BMS + 2x250 OLA. Cult Fit and Tata Cliq are other options).

 

[wiizzard]

How come you have both ? They didn't cancel DCB when you upgraded to Infinia ?

 

[blew]

How come you have both ? They didn't cancel DCB when you upgraded to Infinia ?

I've had DCB LTF since aug last year and Tata Neu Infinity LTF since Dec. Spent a lot of money and asked them to give LTF Infinia back in March. They agreed to upgrade DCB to FYF Infinia but didn't agree to let me have both or upgrade Neu.

I didn't wanna lose DCB LTF obviously so didn't go ahead.

I had to spend a lot of money over last few months via UPI and this time I just asked to upgrade Neu to Infinia and they did.

 

[blew]

IF you have spends that will give you the same returns on DCB / Infinia
AND IF the spends exceed 80k in a calendar month
THEN use DCB instead of Infinia to get monthly milestone benefit of Rs 1000 in vouchers (I always go for Rs 500 BMS + 2x250 OLA. Cult Fit and Tata Cliq are other options).

Is there a way to buy vouchers using both so increase the gyftr limits?

 

[dexter_greycells]

Is there a way to buy vouchers using both so increase the gyftr limits?

Most likely no. Add-on cards might be a loophole. There are posts on TF on that. Check them out.
Your DCB and Infinia are linked to your primary mobile number which is also the number on your Gyftr account. Gyftr has a limit of 20k APay vouchers a month. You are better off using Infinia for Gyftr since you get 5X RPs v/s 3X RPs for DCB.

 

[jar89]

Most likely no. Add-on cards might be a loophole. There are posts on TF on that. Check them out.
Your DCB and Infinia are linked to your primary mobile number which is also the number on your Gyftr account. Gyftr has a limit of 20k APay vouchers a month. You are better off using Infinia for Gyftr since you get 5X RPs v/s 3X RPs for DCB.

Also if you have a hotel/flight booking for a large amount - then Infinia provides better accelerated RPs as the daily and monthly limit is 15 K.
Whereas for DCB plastic its 2500/day and 7500/month.

Lets say u book a hotel for 30000 using smartbuy.
Infinia - 30000/150 = 200*5 = 1000*10 (10x on hotels) = 10000 RP (9 K will be from the 15K cap)
DCB plastic - 30000/150 =200*5 =1000*10 (10x on hotels) = 10000 RP (as DCB has daily cap of 2500) = 3500 RP

 

[MrMonkey]

Also if you have a hotel/flight booking for a large amount - then Infinia provides better accelerated RPs as the daily and monthly limit is 15 K.
Whereas for DCB plastic its 2500/day and 7500/month.

Lets say u book a hotel for 30000 using smartbuy.
Infinia - 30000/150 = 200*5 = 1000 + 1000*10 (10x on hotels) = 11000 RP
DCB plastic - 30000/150 =200*5 =1000 + 1000*10 (10x on hotels) = 1000 + 2500 RP (as DCB has daily cap of 2500) = 3500 RP

10x means 1x regular points + 9x bonus points, so total points for 30k hotel booking will be 10k points (in which 9k will be part of daily/monthly cap)