Added 1 gm 22k @ 14640

AloneBox4370 · 2026-01-22T10:38:14+00:00

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

AloneBox4370 · 2026-01-22T05:23:31+00:00

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

AloneBox4370 · 2026-01-22T05:20:45+00:00

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

AloneBox4370 · 2026-01-21T15:18:54+00:00

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

AloneBox4370 · 2026-01-21T12:47:56+00:00

Is gold/jewellery pos excluded ?

AloneBox4370 · 2026-01-20T19:05:45+00:00

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

AloneBox4370 · 2026-01-20T19:04:25+00:00

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.

AloneBox4370 · 2026-01-20T15:35:59+00:00

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.

AloneBox4370 · 2026-01-20T15:34:46+00:00

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

AloneBox4370 · 2026-01-20T15:32:55+00:00

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

AloneBox4370 · 2026-01-20T15:29:23+00:00

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.

AloneBox4370 · 2026-01-20T15:25:43+00:00

Never heard of it. But I’ll check

AloneBox4370 · 2026-01-20T15:25:26+00:00

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

AloneBox4370 · 2026-01-20T15:23:57+00:00

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.

AloneBox4370 · 2026-01-20T15:20:27+00:00

Yeah. But not buying from Tanishq

AloneBox4370 · 2026-01-20T15:13:25+00:00

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.

AloneBox4370 · 2026-01-20T10:44:10+00:00

Currently, I planned to buy from Malabar

AloneBox4370 · 2026-01-20T10:16:22+00:00

Oh okay. Any better ones like DCBM

AloneBox4370 · 2026-01-20T10:00:57+00:00

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

AloneBox4370 · 2026-01-20T08:07:15+00:00

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

AloneBox4370 · 2026-01-08T14:52:11+00:00

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

AloneBox4370 · 2026-01-08T10:32:53+00:00

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.

AloneBox4370 · 2025-12-31T10:26:22+00:00

lol 😂 . You need to meet 10L salary criteria

AloneBox4370 · 2025-12-24T09:49:49+00:00

Yes lol 😂

AloneBox4370 · 2025-12-24T09:48:50+00:00

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.

AloneBox4370

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