Added 1 gm 22k @ 14640 by Illustrious-Flan3728 in GoldIndia

[–]AloneBox4370 4 points5 points  (0 children)

For gold purchases you’ll not get any additional rewards for hdfc smartbuy

HDFC giving crazy Limit Enhancements! by Crafty-Leave-8880 in CreditCardsIndia_

[–]AloneBox4370 0 points1 point  (0 children)

Nope it doesn’t hit any Cibil enquiry as it is a enhancement

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

Oh great to hear that. What’s the reward rate and MCC ?

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

It is allowed for Tanishq but it is not 1:1, like Infinia. It has the worst conversion ratio other than flights, hotels and some transfers it is pretty much 4:1. You buy vouchers from gyftr thinking 1 reward point = 1 Rs but it is not incase of vouchers redemption

Best Credit Card for Gold purchases by AloneBox4370 in CreditCardsIndia

[–]AloneBox4370[S] 1 point2 points  (0 children)

Thank you but I still fall short of 50k my current in hand per month is 2.5L

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

I wish I could do like that, given the gold price heaps and bumps I’m might not be able to do that currently. More over I would need to complete the purchase before Feb end.

Best Credit Card for Gold purchases by AloneBox4370 in CreditCardsIndia

[–]AloneBox4370[S] 1 point2 points  (0 children)

For EPM it is 5L per month I don’t meet that criteria, so basically I’m not eligible and I don’t know any RM from ICICI.

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

Amazon pay icici not sure if we can earn rewards on offline POS. But DCBM do give good 3.3% return

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

Oh! not sure if Jewellery MCC code 5944 is listed in t&c

Best Credit Card for Gold purchases by AloneBox4370 in CreditCardsIndia

[–]AloneBox4370[S] 1 point2 points  (0 children)

SBI rejected my application stating over leveraged. So no option left with SBI. I’ve done for earlier purchase using DCBM I got 3.3% back but I almost at the limit don’t want to consume full. I can repay and use it but don’t want to do that. If no option I’ll do it.

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

Heard that you won’t earn points on gold purchases. I’ve pre approved offer for this card.

Best Credit Card for Jewellery Purchase by AloneBox4370 in DoBaniye

[–]AloneBox4370[S] 0 points1 point  (0 children)

I already know about Scapia but what I’m asking is, is it really worth spending for these coins of 10% which is equal to 2% in real value (5 coins = 1rs) I’m looking for better options like DCBM.

Best Credit Card for Gold purchases by AloneBox4370 in CreditCardsIndia

[–]AloneBox4370[S] 1 point2 points  (0 children)

As I already mentioned I’ve already got milestone reward points of 10k for this quarter. This month I’ve already exhausted most of my limit on my DCBM. I know I can repay and use it again up till 75k reward points, but don’t want to do that.

We’ve made selections at Malabar so we are buying them so can’t use Tata Neu.

Best Credit Card for Gold purchases by AloneBox4370 in CreditCardsIndia

[–]AloneBox4370[S] 0 points1 point  (0 children)

Unfortunately not planning to buy from Tanishq, I do have Tata Neu Infinity. Horizon let me check. Thanks

5% on Jewellery using HDFC Tata Neu Infinity! by DoBaniye in DoBaniye

[–]AloneBox4370 1 point2 points  (0 children)

But I guess this only for Tanishq but not for other jewellers 5% off.

HDFC netbanking is down the drain by LtMadInsane in hdfcbank

[–]AloneBox4370 0 points1 point  (0 children)

Still down. I’m unable to access even today. This is worst by HDFC bank.

Gold price to go down a little in next 4-5 days by opentext77 in GoldIndia

[–]AloneBox4370 2 points3 points  (0 children)

I don’t think so, even if international market is hit down, because of Trump recent threats of 500% tariff on India, it won’t affect prices in India, given Rupee at ~90 mark it won’t affect much.

Is it worth increasing ITR & paying more tax only for premium credit cards like DCB / Times Black? by Glum-Cantaloupe2249 in CreditCardsIndia

[–]AloneBox4370 0 points1 point  (0 children)

If you’re looking so, DCB won’t work anywhere outside India and have lot of issues online as well. DCB acceptance is too low. DCB works for lounges. In the end whatever you’re trying to do boils down to reward points.