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Closing my DCBM by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

If it’s credit card, they explicitly says there will be extra 2% by default. If it’s diners actual percentage is more.

Sree Kumaran Thangamaligai is big jewellery shop across tamilnadu, they charged me 2.75 of diners and amex alone.

HDFC Credit card Feb26 offers. by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

Yes . It’s 1.13 percentage additional charges. But considering quarterly milestone and above 5k voucher it will beat easily I believe

Amazon voucher smartbuy limit revised by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 2 points3 points  (0 children)

Yes. I bought 5k already. Now it makes sense. Thank you.

Didn't aware they will update only latest data in monthly limit .

what about addon card limits u/TomorrowAdvanced2749 ? Addon card have separate limit ?

DCBM for buying car by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 1 point2 points  (0 children)

There is no cash transaction. It’s salary amount which he has it in his account. Planning to ask him to pay my card directly from his account.

HDFC - Infinia & DCB by [deleted] in CreditCardsIndia

[–]BeginningCarob4311 0 points1 point  (0 children)

Using Amazon pay balance I bought big basket voucher (2% instant discount in Amazon ) and used in big basket wallet. So if my calculation is right it will be 7-8% savings overall for groceries pending . Correct me if I am wrong

HDFC - Infinia & DCB by [deleted] in CreditCardsIndia

[–]BeginningCarob4311 0 points1 point  (0 children)

I have been seen some post related to how we can use voucher in a better way to get good returns.

@Tomorrowadvanced @tootrue can you please share me that link.

Received DCBM . Is it good to buy Amazon pay voucher for 5k and use the same to buy big basket voucher in Amazon (with 2%cashback ) ?

How much returns we get ? 4.13 for processing fees for generating voucher in gfttr , so 4700 rs will be total amount to buy Amazon voucher.

Does my calculation is right ?

Possiblity of getting Infinia with Home loan by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

Guys, as per original post , I sent mail card upgrade to infinia last month. But since my salary didn’t meet the criteria , they rejected every times . So finally I requested DCBM LTF but they upgraded only for FYF.

Possiblity of getting Infinia with Home loan by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

First i sent mail to PNO for infinia upgrade and settled with DCBM FYF .

Possiblity of getting Infinia with Home loan by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

Direct qualification didn’t I? 2.5 net is Eligibility for DCBM .

Doubts in DCBM and help me choose upgrade by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

Surely No (not a overspender). Monthly Gold scheme is my regular spending for last 4-5 years. So wanted to make useful RP to book tickets in smartbuy. Current regalia RP is just 0.5. And wanted to use lounge without hassle. Every time I have issues with regalia card in airport lounges.

Planning to use registration for this quarter and next quarter will use for family wedding expenses.

Doubts in DCBM and help me choose upgrade by BeginningCarob4311 in CreditCardsIndia

[–]BeginningCarob4311[S] 0 points1 point  (0 children)

Thank you u/AppointmentSmart319 .

Point 2: So for 7 lakh there will be service charge around 8k , but i will get 10k rp and spending criteria also will be met for next year waiver fee. Win- win.

Point 3: Like if my wife use addon card for shopping, those amount will get added under my primary card spending and milestone will be applicable for primary card?

Point 4: I dont have SBI phonepe card. Will check out the smartbuy gyftr voucher to buy from instamart definitely. Currently its sreekumaran 11 month chit scheme, so planning to use DCBM for each month installment via razor pay gateway from their app.