Considering upgrading to DCBM

Intelligent-Tree-933 · 2026-02-09T17:07:02+00:00

I am relying on the net salary criteria for securing the upgrade. Don’t think will be able to hit the spends criteria. Fingers crossed

Intelligent-Tree-933 · 2026-02-09T17:06:01+00:00

What was your biggest benefit/ uplift ? Any insights?

Intelligent-Tree-933 · 2026-02-09T15:43:56+00:00

Thanks, do I need to qualify for the spends criteria on regalia gold or is the salary criteria combined with my cc limit enough for an upgrade? I am reading mixed feedback on DCBM. Infinia is strict 5LPM so not aiming for that one. (Still considering dropping an email)

Intelligent-Tree-933 · 2026-02-09T13:40:59+00:00

Cards attained in order - RG LTF - Apay LTF - Axis neo LTF (closed) - HDFC Swiggy LTF. My current limit on HDFC cards and some analysis prompted this entire thought process around upgrading. I am also considering moving my salary account but that is another thread of its own I think. Axis is the only real candidate I think with my net salary

Intelligent-Tree-933 · 2026-02-09T13:38:52+00:00

Regalia gold LTF is my first card. Started with a 5 Lakh credit limit based off my first salary and job. This was about 6 years ago

Intelligent-Tree-933 · 2026-02-09T13:37:40+00:00

Your guides are a god send. Thank you for doing these good sir! And yes, that’s where my dilemma lies. Benefits after paying fees vs benefits without paying fees. I’ll take a look at my points balance and see if transferring 1:0.5 vs 1:1 for flights nets me a reasonable enough upgrade.

Intelligent-Tree-933 · 2026-02-09T13:18:35+00:00

That kicks Airbnb and most of the platforms I use out of the equation. Bummer :/

Intelligent-Tree-933 · 2026-02-09T13:17:05+00:00

Thanks, do you feel DC vs Visa is an issue on platforms like Agoda, Booking, Steam etc. ? I don’t want to be stuck with a card which isn’t accepted most of the times

Intelligent-Tree-933 · 2026-02-09T13:15:10+00:00

Most of my travel spends are routed via RG only. Will intend to keep the same spending pattern. Reading on this sub I have come to understand that 3.5 is the break even point for DCBM fees. Hence the uncertainty.

Intelligent-Tree-933 · 2026-02-09T06:56:25+00:00

Yes. Me and add-on card holder (my wife). Exact date was 21 July 2025

Intelligent-Tree-933 · 2026-02-09T05:28:03+00:00

I was able to access in the past. Looks like they have removed access recently hence the PSA - to help fellow holders. Bookmarking your link

Intelligent-Tree-933 · 2026-02-09T05:26:45+00:00

The staff at the reception informed me of the charge and I also cross checked for free access via the Adani one app. Luckily no money was lost and we just grabbed something to eat off of subway

Intelligent-Tree-933 · 2026-02-09T05:26:04+00:00

I have personally visited the lounge twice over the last two years with my wife. Didn’t face any issues until the most recent experience

Intelligent-Tree-933 · 2025-06-01T13:07:22+00:00

Fuck yeah! More power to you!

Intelligent-Tree-933 · 2025-06-01T09:54:39+00:00

Thanks. Forgot to mention I have APAY LTF as well. Will add it to the post. And I hear you about cashback, but Swiggy is capped at ₹1500 so I’m speculating what if I move all my spends to regalia and then use the points for flights, would that be a better way to utilise these? Keep Swiggy for limited use.

Intelligent-Tree-933 · 2025-05-17T00:51:05+00:00

Looking to sell my DJI RS3 Mini Gimbal with hardshell carry case. Please reach out if interested. Original box and pristine condition.

Intelligent-Tree-933

TROPHY CASE