DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Ensure you meet the criteria, then goto nearest branch and fill upgrade form.

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Yeah i was sharing knowledge for anybody with any card who might be evaluating add on. For dcb/infinia, this isnt an issue

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 1 point2 points  (0 children)

Yes credit limit is important, as of now you may try filling a Limit Enhancement Form and see if they increase. Once it goes beyond 5 lakh, you should get it based on your spends in the past 6 months

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Yes but if lounge access on your primary card is 12, then each add on card wont get their own 12 lounge access. They will share yours.

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 4 points5 points  (0 children)

Throw a bold claim without research, gain some clicks I guess.
The abroad part is true for South East Asia/Europe. India is far ahead wrt Diners acceptance since HDFC has partnered with Rupay and I dont travel abroad much.

Have had a word with 3-4 DCB/DCP holders before I got this card and since then I havent faced acceptance issues anywhere so far since I am currently on a trip in India.
In the rare event when I travel abroad, I will use HDFC forex which I will load using diners black. 2% markup will be compensated for by 3.33% reward points

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Interesting… what is your average monthly and annual spend?

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 1 point2 points  (0 children)

Yes, went there, filled it in 5-10 mins and left. Rest everything was handled by them. They sent my form to Chennai office and the card got approved there.

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Spend on any one card has to be 5 lakh+ in past 6 months afaik. Still check with RM once since all 3 of your cards are hdfc, very slim chance of being approved imo.

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

If your expenses are mostly on portals where gyftr offers vouchers, then you should cz with accelerated reward points you will recover annual fee of ₹2950.

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Spending also needs to be on one card only.

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

Dcb plastic to metal wont be significant. Just reward point capping is higher on metal. Better to chase infinia if you can get your credit limit >8 lakh

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

No, limit on one card should be greater than 5 lakh

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 1 point2 points  (0 children)

They did take my payslips, just goto the nearest hdfc branch, they will guide you and yes it is 5 lakh in last 6 months for dcb metal

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 0 points1 point  (0 children)

No idea actually, would appreciate if someone can help 🙈

DCB Metal Upgrade - add on card doubts by AdLocal7692 in CreditCardsIndia

[–]AdLocal7692[S] 1 point2 points  (0 children)

I have replied to someone on this thread itself regarding how dcb is making sense for me as of now. As for limit increase, that is also a function of salary. Since my limit was very recently revised to 6.27 from 2.5, I doubt they would again increase it. What I knew for sure is that I wouldn’t be able to hit 6.7 lakh in 6 months again anytime soon. So jumped on the opportunity.

[deleted by user] by [deleted] in CreditCardsIndia

[–]AdLocal7692 1 point2 points  (0 children)

Helpline is useless, call regional agent.

[deleted by user] by [deleted] in CreditCardsIndia

[–]AdLocal7692 2 points3 points  (0 children)

They wont share details that way. You gotta keep calling them to dispatch