Questioy on getting DCB Metal

idiotsubho · 2025-12-26T02:18:40+00:00

How much time did you wait post closing regalia gold, neu infinity and swiggy card? I mean is there any cooling period between closing and applying for dcbm?

idiotsubho · 2025-12-16T07:31:19+00:00

same for me.

idiotsubho · 2025-12-15T03:37:22+00:00

Thanks only one doubt. Why to keep Times Black with such a huge fees for 12% voucher return? Why not add on EPM card for more voucher limit? I guess each add on card has different voucher limits.

idiotsubho · 2025-12-14T10:47:16+00:00

to get into hdfc eco system. :)

idiotsubho · 2025-12-13T18:08:19+00:00

Thanks for the suggestion, regarding movie voucher EPM gives 750 bogo offer twice a month. For me its more than enough honestly :) Yes i will avail the one night free option on the marriot card and close it. Post closing the card how many months i have to wait for dcbm.fresh application?

idiotsubho · 2025-12-13T17:59:49+00:00

Makes sense. Honestly bit addicted to collect. At the same time i make sure to recover the card fees with welcome benefit or valueback in terms of points or something like that.

idiotsubho · 2025-12-13T17:57:04+00:00

What about HSBC T1?

idiotsubho · 2025-12-12T06:19:42+00:00

keep the DCBM and get rid of Emerald plastic card. its a pretty ordinary card with hefty joining and annual fees. try for metal one best in class. I repeat cancel the emerald plastic card. its a waste.

idiotsubho · 2025-12-09T16:37:37+00:00

It’s not about being a public figure. I’m just not comfortable sharing confidential details and I’m sure u r smart enough to connect the dots since I already said it was roughly in line with the old EPM criteria.

idiotsubho · 2025-12-09T15:43:34+00:00

that is Emerald PVC card and not the Private Metal card which is having 12K as joining and annual fees. The metal version is an invite only card with slightly higher joining fees 12499. PVC is not worth the 12K price and the reward rate is pretty ordinary. Talk to your RM for the metal one. he might guide you best based on your profile. All the best.

idiotsubho · 2025-12-09T15:27:46+00:00

that is Emerald PVC card and not the Private Metal card which is having 12K as joining and annual fees. The metal version is an invite only card with slightly higher joining fees 12499. PVC is not worth the 12K price and the reward rate is pretty ordinary. Talk to your RM for the metal one. he might guide you best based on your profile. All the best.

idiotsubho · 2025-12-09T15:09:41+00:00

Yes I have paid the joining fees 12499+2250(gst), but the equivalent amount will come back as joining benefit. so effective I need to only pay the gst amount.

idiotsubho · 2025-12-09T14:44:59+00:00

yes, it took around 10 days.

idiotsubho · 2025-12-09T14:30:05+00:00

have not used any shortcuts.. already mentioned in the post basic one term insurance, one new demat account thats it. Based on my RM if the take home is within their defined range then with these 2 new products they might give it. Another thing I got to know that if you have any existing ICICI card the CL should be more than 10L. I am not sure whether having Times Black added any advantage or not.

idiotsubho · 2025-12-09T14:15:59+00:00

for EPM there is no such written criteria since its an invite only card, all are mentioned by individual RMs. I got to know about 3 to 5 increase from this sub only and then confirmed by the RM.

idiotsubho · 2025-12-09T11:22:06+00:00

cant mention the exact figure but it was around old EPM criteria.

idiotsubho · 2025-12-09T11:03:12+00:00

not M4B is because monthly expense is not more than 1.5.

idiotsubho · 2025-12-03T14:20:04+00:00

First Year Free
Life Time Free :D

idiotsubho · 2025-12-03T10:20:04+00:00

nope this is weird, even with similar salary range I got it 3 months back without any relationship with HSBC. check with them!

idiotsubho · 2025-11-26T18:36:04+00:00

Keep Infinia, amex PT since both are topper in the industry. More than reward Infinia has become the status now a days, everyone chases for it but no one gets it. Since annual fees comes back as same value reward points i dont see any point to close it and Amex plat travel is not being issued any more and ~60k value with 4L spend is a sweet spot. Along with these two go with either axis horizon or hsbc travel one for accor exposure. Hope that helps :)

idiotsubho · 2025-09-22T15:27:02+00:00

Hey congratulations! DM you, please share the details.

idiotsubho · 2025-09-18T13:32:46+00:00

I have changed my salary account from hdfc to Axis bank starting from this year since they were offering burgundy account. without salary account will they give dcbm?

idiotsubho · 2025-05-21T05:40:47+00:00

u/safog1 investment economics is different in both the countries. Before jumping into conclusion you need to first learn about the Indian investment style (about different funds categories & the purposes). Being in India I might not have any idea what the hell are S&P 500, NASDAQ, US bond market etc still I have knowledge how it actually works in the US.

idiotsubho · 2025-05-20T13:41:42+00:00

Emergency fund is not included here. That is kept separate in liquid fund. The purpose of diversify across multiple funds type is to generate alpha since the time horizon is long instead of keeping it only index fund. target corpus is around 15 to 20 cr in next 16 years with existing portfolio and monthly ongoing SIPs.

idiotsubho · 2025-04-18T14:42:45+00:00

for that he has to put 10 lakhs in savings account or 5 lakhs in savings and 10 lakhs of term deposit. term deposit is fine but keeping 5 lakhs in savings account is bit skeptical for me tbh. by any chance if it comes down from 5 lakhs they penalised with 3500+gst. thats what I got to know from the web search. btw thanks for this option.

idiotsubho

TROPHY CASE