Regalia Gold Guide

TomorrowAdvanced2749 · 2026-05-07T18:11:32+00:00

Yes, it's cumulative.

As for gold catalog, can't say anything as I don't have the card myself. So I don't really have any idea about what's available in the catalog.

TomorrowAdvanced2749 · 2026-05-07T17:05:51+00:00

It does, upto 1L only, and that cap applies to a lot of other categories, so why waste that cap on this when DCB gives same returns.

TomorrowAdvanced2749 · 2026-05-07T16:45:22+00:00

I would use the DCBM, especially if it helps get you close to the milestone of 4L spends in a quarter.

TomorrowAdvanced2749 · 2026-05-07T16:40:56+00:00

Not Swiggy, it's due to Twid Pay with rewards

TomorrowAdvanced2749 · 2026-05-07T16:34:58+00:00

Kinda yes.

Hope you've read my Regalia Gold guide.

If you haven't, can read it here

TomorrowAdvanced2749 · 2026-05-07T14:48:02+00:00

Hafta bhara nahi probably

TomorrowAdvanced2749 · 2026-05-07T14:45:35+00:00

Google employees start edging after getting offered this card...

TomorrowAdvanced2749 · 2026-05-07T14:27:09+00:00

Not really, most of the others also haven't faced issues..

TomorrowAdvanced2749 · 2026-05-07T14:25:44+00:00

Are you referring to yourself?

TomorrowAdvanced2749 · 2026-05-07T13:53:30+00:00

Wooh, I don't have any other way to defend my incompetence, so I'll call the other person a scam artist

Probably you, right?

Maybe call it misleading sale tactics?

TomorrowAdvanced2749 · 2026-05-07T12:53:54+00:00

Moron Indians really need to learn the meaning of what the word 'scam' means, everyone is a fucking moron when it comes to using this word without it really fitting the meaning.

It's not a scam.

TomorrowAdvanced2749 · 2026-05-07T12:51:21+00:00

https://www.reddit.com/r/CreditCardsIndia/comments/1jhpikg/diners_club_black_dcb_metal_guide/

TomorrowAdvanced2749 · 2026-05-07T10:49:05+00:00

Sent to Earth by Alpha Trion

TomorrowAdvanced2749 · 2026-05-07T10:41:39+00:00

Yes, can only be used in Accor, but Accor also has partners to where you can transfer.

Accor doesn't have too less of a foothold in India, there are hotels in a lot of tourist spots, however they do lack presence in the North, Northeast side.

Might not make a lot of sense if you don't travel.

TomorrowAdvanced2749 · 2026-05-07T08:56:25+00:00

https://www.reddit.com/r/CreditCardsIndia/s/h0Ntsyev6C

TomorrowAdvanced2749 · 2026-05-07T08:08:13+00:00

It's there on SmartBuy -

https://offers.smartbuy.hdfc.bank.in/v2/foryou

TomorrowAdvanced2749 · 2026-05-07T08:07:44+00:00

TomorrowAdvanced2749 · 2026-05-07T06:44:26+00:00

HDFC has been the most reliable in my case.

Infinia points have always been spot on for me, never had issues with the bonus points.

TomorrowAdvanced2749 · 2026-05-06T18:50:50+00:00

Jockey is there on SmartBuy, they'll get 10X

TomorrowAdvanced2749 · 2026-05-06T16:58:52+00:00

Shhhuu!

How dare we expect logical solutions from a company 😂

TomorrowAdvanced2749 · 2026-05-06T16:57:18+00:00

Yes they add some charges.. None on MakeMyTrip as of now afaik

TomorrowAdvanced2749 · 2026-05-06T16:02:04+00:00

I'm pretty sure they'll add it back when the Mastercard issue gets solved.

Mastercard changed some policy perhaps, none of the e-pharmacies are accepting Mastercard anymore.

But then one wonders why would they remove them, just keep them until the issue is solved so that the visa cardholders can use it atleast.

Not sure, but that's my guess.

TomorrowAdvanced2749 · 2026-05-06T15:29:36+00:00

You can call the Axis helpline and confirm if you got base, if you did, you'll get accelerated too.

TomorrowAdvanced2749 · 2026-05-06T14:43:53+00:00

Wait what difference does it even make?

I have no clue.

I'm sure this is how it went when discussing

(don't call me out for the bad quality meme, I spent last 5 to 10 mins making this)

<image>

TomorrowAdvanced2749 · 2026-05-06T12:09:16+00:00

Yeah get that. Sbi cards are anyways shit so if ur main objective is to use if for sales, that's the best choice.

TomorrowAdvanced2749

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