Shall I take HDFC diners black CC?

[sanjaynandi]

Hi, I have regalia card with high limit. thinking of getting DCB card. I might get it due to some specific condition. if i dont get it free then i will not accept.
i always prefer cashback card. but this is rewards. will this be useful? my expenses are less. i book cheap hotels. i dont play golf or dont require costly service which this kind card
holders usually do. my annual expense will be around 5 - 6 lakhs max or 4lakhs average..
my expense are electric bill, prepaid phone, internet, insurance, some flight tickets, big basket, some movie ticket, medicine purchase from 1mg etc. plz advice.

 

[sanjaynandi]

You can purchase GYFTR vouchers from Smartbuy for all these items(if some item in unavailable, you can purchase Amazon voucher and pay via Amazon Pay during checkout). While Regalia will also give you points on these, DCB will give higher accelerated points.

Last checked, DCB gives 1:1 reward option against flight and hotels(please verify this information once). So, you can book flights and redeem the points. As you said you travel international, 70% points will easily be redeemed in booking tickets for just one round trip.

I'd suggest you to take DCB. The only caveat is Regalia's acceptance being more than DCB, but you already mentioned you have other cards for that purpose.

Thanks. wonderful to know this.

 

[raghavamobile]

THIS CARD NOT WORK IN EVERYWHERE SOME MERCHANTS NOT ACCEPTING THIS CARDS

 

[binno]

just wrote to upgrade from moneyback ltf to milennia ltf but they giving dcb fyf .. limit 150k only
should take or not ? if yes which variant ?

 

[Shubham Yadav]

just wrote to upgrade from moneyback ltf to milennia ltf but they giving dcb fyf .. limit 150k only
should take or not ? if yes which variant ?

U are getting dcb from money + with limit 150K

Quite strange

 

[binno]

U are getting dcb from money + with limit 150K

Quite strange

used around 50k this month and then requested

 

[Shubham Yadav]

used around 50k this month and then requested

Carefully evaluate your spending pattern then check whether DCB is goot or not for you

Because recent devaluation make this card almost not so profitable.

 

[SSV]

used around 50k this month and then requested

My view is to take it, as it is fyf, towards rhe end of the year you can do the same, spend more and ask for LE or upgrade..
Variant I don't know

 

[binno]

My view is to take it, as it is fyf, towards rhe end of the year you can do the same, spend more and ask for LE or upgrade..
Variant I don't know

do the same as in what ? again upgrade the card to what ?

 

[vn_1]

just wrote to upgrade from moneyback ltf to milennia ltf but they giving dcb fyf .. limit 150k only
should take or not ? if yes which variant ?

To whom did you send that email?

 

[gamersgzb]

do the same as in what ? again upgrade the card to what ?

To infinia.. as only infinia is above DCB in HDFC cards

 

[binno]

To whom did you send that email?

grievance.redressal

 

[binno]

To infinia.. as only infinia is above DCB in HDFC cards

but my limit isnt that high for them to offer me infinia .. neither i can constantly spend that much

 

[vn_1]

grievance.redressal

Did you directly sent to them or followed it up from lower level?

 

[gamersgzb]

but my limit isnt that high for them to offer me infinia .. neither i can constantly spend that much

Then it's better to not take the upgrade.. as you may have to close this card at renewal.. if you have not spent the required amount to make it free for next renewal.. i think it's 5 lakh

 

[Shubham Yadav]

but my limit isnt that high for them to offer me infinia .. neither i can constantly spend that much

Do u want HDFC as your main driving card or its just about other purposes and purchase

 

[SSV]

do the same as in what ? again upgrade the card to what ?

do the same as in what ? again upgrade the card to what ?

Spend more, like you did now, i.e. spending 50K.
Upgrade to Infinia ultimately, provided you have enough CL.

 

[gamersgzb]

Then it's better to not take the upgrade.. as you may have to close this card at renewal.. if you have not spent the required amount to make it free for next renewal.. i think it's 5 lakh

but my limit isnt that high for them to offer me infinia .. neither i can constantly spend that much

Take the card if you can spend 5 lakh in a year.. else do not

 

[binno]

Did you directly sent to them or followed it up from lower level?

i requested them with a sexy email for milennia ltf .. last month and they rejected it ..
day before yesterday i tried again .. i just wrote them
“upgrade my moneyback ltf to milennia ltf ”
and they reverted me this

 

[SSV]

Do u want HDFC as your main driving card or its just about other purposes and purchase

This is a very valid question . If it is just for offers, then any card will do

 

[binno]

Do u want HDFC as your main driving card or its just about other purposes and purchase

whatever gives me a good offer and use that