It is better to shift spends to other cards which gives instant discount on case to case basis and close infinia / DCB when it comes for renewal if it is not LTF.
HDFC Smartbuy Rewards Revised (Terrible news for DCB Holders!)
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Source: twitter
https://pbs.twimg.com/media/FKMZv-nVgAIHWtY?for...
Confirmed via HDFC RM as well. Shall be updated on portal soon.
It is totally useless breaking our heads for that extra 4-5 % for DCB or infinia reward points.
Just now compared a flight ticket for 2 adults and below is total price at final payment page for 2 passengers…
Smartbuy Yatra : 9744
Yatra Only : 8922
Diff : 822 which means 9.2 % more in smartbuy for same ticket .
You are bang on target..
Basically redeeming points on Flight/Hotels will be 1RP = 0.9 ₹
That should be our thought process for DCB/Infinia.
Decrease 10% for the rest cards’ reward rates too.
I guess similar for AGV, since we can get AGV at discounts or buy from amazon at least 5% discount, so its valuation for infinia or DCB will be 1RP = 0.47 ₹ (5% further decrease).
anyone can please suggest best use of millennia credit card for maximum benefits?
Now regalia and privilege card is better than DCB on smart buy vouchers
The gyfter portal is not reflecting it correctly for regalia. It is 5x reward points. So, for 10000 rupees it is 1320 reward points, which is equivalent to 660 for flights. But they are showing as 1320 cash, which is wrong.
Actually, in other credit/debit cards, u still get 500 rupees cashback (plus 1% card rewards for Millenia), which is worth more than 660 for flights.
In cashback terms, I see Regalia/diners privilege at 4.5%, Millenia credit at 6%, Millenia debit at 10%, , Diners black at 6.5%, Infinia at 10% and Other credit/debit cards at 5%.
Any change in flight booking capping of 70% with rewards point ?
How to validate if this is official bro?
Now maximum reward cap on per day DCB is 2500. Masterstroke 😂
Infinia too kinda devalued as for big orders hdfc was giving 15k RP, now max 7.5k RP per day on infinia.
This is live now. Good thing is that it is valid only for February. So there is possibility of quick revision in March😅.
Lol, there is a daily limit also now apart from monthly limits. With reduced reward rate, this won’t be a problem.
good luck with that thought.
always past smartbuy offers were valid for a month.
It will either devalue or remain same.
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why dont u upgrade your diners privilege to infinia. With 9Lakh limit you are within criteria for upgrade.
shd one first upgrade to DCB LTF in alumni offer and then 1 year later upgrade to infinia ?
or directly try regalia to infinia
I agree now flight offer on DCB is not attractive but still if someone is getting DCB LTF then he can utilize it in 3.3% reward point in offline category and getting Amazon voucher at 10% discount for utility bills etc. And no other Credit card except infinia is giving this much rewards at present.
Correct I also agree in case if it is LTF card… Otherwise better to close the card account
I am getting millenia upgrade offer from regalia first
should i opt it or wait or other upgrade ?
Any advice guys?
If this info turns out to be true then LTF card holders can use other bank cards when the value of reward is more on them. For paid cards they have no choice but to close the card before the renewal time. Rs 11800 for DCB and Rs 14750 for Infinia is too costly with the reduced reward rates
Its 16.5% for flight and convenience fee is only 299 irrespective of passenger. Any other CC giving the same reward
Dont see any point in having any discount on flights. Credit cards will give the discount only on sites where convenience fees are charged. The better deal is to not get any such deal. Go with easemytrip. Always 0 hidden charge, 0 convenience fee.
damnnn,need to look for other card,DCB is waste now!!
if I buy 10k Amazon voucher using my money back card how much cashback will I get?
500
What’s the new reward rate for buying Amazon GV if we redeem through Regalia portal?
i knew this was going to happen because i got DCB.
whatever i touch gets devalued. Franklin mutual fund, yes bank, ruchi soya, and now DCB. Every single time. Very strange.
Babaji yeh try karo..
is this news confirmed as nothing like this on cardexpert
not officially confirmed yet.. should get updated on portal by 1st Feb.
This is too confusing. There are different claims and calculations by dimmers for the same card. And we are discussing multiple cards – DCB, Regalia, Millenia etc..
Can you plz look at this deal wiki and provide info in the clear, non ambiguous way?
https://www.desidime.com/discussions/in-search-...
I will get the wiki updated with this info.
I have redeemed Regalia 24K points with 8.5K amazon GV…
Good conversion rate for Regalia to Amazon GV in regalia portal only..
If you redeem in Netbanking it would be disaster..
I got an option to upgrade from regalia to Millenia
Wow. This is interesting. It means they’re officially valuing Millenia over Regalia
Earlier Regalia was supposed to be a premium cc below Diners and Infinia.
Pathetic move by HDFC
2 weeks back few dimers mentioned in other threads, they got upgrade option from Regalia to Regalia first and Millennia. So this is the reason
Looks like a discussion thread with fake info. That image is also not from Twitter.
honestly we will love if you are right.
But the domain is of twitter. Maybe the person who tweeted that image, removed it due to hdfc pressure.
i redeemed today regalia 18000 points for 4500 amazon gv… 0.25
How ? I remember 2850 points per 1000 voucher.. which means it should be around 6k easily
Considering all these changes, which HDFC cc/dc is the best? Or are there good alternatives to buy Amazon gv?
i dont know where i stand i have some unique card
I have Diners Millennia Card
Guys, I’d appreciate your suggestions in this regard. I have the offer to upgrade from Regalia First to Regalia (Paid, with no joining fees, no credit limit increase). I’m still in the middle of sorting out 700+ RP-related issue with them for transactions that took place in September. So, I’d take this as a chance to reconsider if I should go with the upgrade or not, given the upcoming changes for the Regalia card.
Should I upgrade to Regalia or let go of this offer and wait for the Millennia upgrade offer in the future?
I have been using Regalia First for the past 2 years and it’s not a LTF card although I didn’t pay any renewal fees.
Har taraf andhera hi andhera hai.
Aao mobi ji @vijkap201 ujala kro
Hi guys,
I have Diners privilege LTF with 9L limit, today only I applied for dual card (Dcb) so now soon I will receive DCB with 5L limit and privilege will remain LTF with 4L limit.
after reading this devaluation and all, I think I should continue with privilege 9L limit and should ask HDFC not to proceed with my DCB request. If the points value is so less then I don’t think it’s a good option to take DCB first year free then end up paying 10k + 1800 gst from second year. Please share your honest opinion. Thank you
my honest opinion:
take the first year free. Then cancel it.. even with the devaluation, you can get 10% with DCB.
Always remember HDFC won’t be running these offers forever.. So most users paying for HDFC cards will anyways surrender, when the card is no longer worth it. Whatever saving you do interim is your profit.
are points better or worse than the CB?
For Regalia, 1xRP = 0.93% if redeemed for vouchers; So now previously we used to get 5%CB for redirects like Amazon/Gyftr, but now with newer value it will be 5xRP which translates to 4.65%; Hence it’s a devaluation considering these categories; However if you take different category like Hotel (5% vs 10xRP) or Flipkart (1% vs 3xRP), then it’s an enhancement; but to be honest, most of us use smartbuy mainly for amazon and gytr only, hence it’s a bad news for most of us.
@andromeda @Pikachu_1
Considering a retail spend of 10k on amazon.
5% CB would result in 10k*0.05 = 500 INR statement credit
With the new reward structure, it would yield 10k*4*5/150 = 1333 RPs. 4 RPs for every 150, and 5x is the factor.
In case of regalia 0.2 is the factor for redeeming rewards to statement credit, so 1,333 gives 266INR if we go for statement credit.
@Pikachu_1
also consider that previously we were getting 1x RP +5% cashback now we get only 5x RP.
so in reality we are getting 4x RP in exchange of 5% cb.
i knew this was going to happen because i got DCB.
whatever i touch gets devalued. Franklin mutual fund, yes bank, ruchi soya, and now DCB. Every single time. Very strange.
plz touch the current govt😉