HDFC Smartbuy Rewards Revised (Terrible news for DCB Holders!)

rahuldiwan87608 wrote:

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.

rahuldiwan87608 wrote:

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

Also they might reduce the fee as well for Diners Black considering the devaluation.

Better to take first year free and then use for 11 months and then take a call if you want to pay for it or not.

Har taraf andhera hi andhera hai.
Aao mobi ji @vijkap201 ujala kro

rahuldiwan87608 wrote:

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

you can probably consider applying for millennia as dual card

Seinfeld wrote:

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.

thanks, I have 2 questions here 1. After 1 year downgrade will be possible to Millennia, if not what will happen to my 5L limit? Can it be transferred back to Privilege if i surrender dcb. 

chai_lover wrote:

you can probably consider applying for millennia as dual card

yeah, that I will do may be next week if I don’t go with DCB. what do you think? Shall I go with DCB 1 yr free for now and then after 11 months downgrade to Millennia. 

rahulkothu wrote:

Also they might reduce the fee as well for Diners Black considering the devaluation.

Better to take first year free and then use for 11 months and then take a call if you want to pay for it or not.

after 11 months If I surrender this card, this I will loose my 5L limit, that I don’t want, and not sure after 11 months they will downgrade my card to Millennia or not with same limit. 

rahuldiwan87608 wrote:

yeah, that I will do may be next week if I don’t go with DCB. what do you think? Shall I go with DCB 1 yr free for now and then after 11 months downgrade to Millennia. 

don’t know bro..i had DCB LTF, have recently got regalia as dual card…now both devalued

chai_lover wrote:

don’t know bro..i had DCB LTF, have recently got regalia as dual card…now both devalued

galaxia coming it looks , bro change regalia with milinea much bettr card

rahuldiwan87608 wrote:

thanks, I have 2 questions here 1. After 1 year downgrade will be possible to Millennia, if not what will happen to my 5L limit? Can it be transferred back to Privilege if i surrender dcb. 

no idea bro, ask your RM about this casually

Seinfeld wrote:

no idea bro, ask your RM about this casually

Downgrade is not possible in HDFC Bank, only u can do is cancel your card and apply new after 3 months

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.

shreyu2105 wrote:

Downgrade is not possible in HDFC Bank, only u can do is cancel your card and apply new after 3 months

are you sure? Hdfc manager told me we can downgrade. 

and I still have option not to take dcb as my secondary card. Shall I just cancel it now and apply for Millennia? I am not able to decide what to do? Tomorrow I will get card related verification call then they will proceed. I just don’t want to loose my 5L limit. 

rahuldiwan87608 wrote:

are you sure? Hdfc manager told me we can downgrade. 

and I still have option not to take dcb as my secondary card. Shall I just cancel it now and apply for Millennia? I am not able to decide what to do? Tomorrow I will get card related verification call then they will proceed. I just don’t want to loose my 5L limit. 

My rm told me that

rahuldiwan87608 wrote:

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

They allowing two cards ?

Abhinav_Pune wrote:

They allowing two cards ?

yes, but requires approval from branch and offline process

i dont know where i stand  i have some unique card

I have Diners Millennia Card 

chai_lover wrote:

don’t know bro..i had DCB LTF, have recently got regalia as dual card…now both devalued

how did you get the dual card?

andromeda wrote:

how did you get the dual card?

branch

Considering all these changes, which HDFC cc/dc is the best? Or are there good alternatives to buy Amazon gv?

Pikachu_1 wrote:

500 amazon gv is available for 1420 point and  118 redemption fee

from where??

i redeemed today regalia 18000 points for 4500 amazon gv… 0.25

Looks like a discussion thread with fake info. That image is also not from Twitter.

jatin2612 wrote:

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

jatin2612 wrote:

i redeemed today regalia 18000 points for 4500 amazon gv… 0.25

I guess you used net banking instead of dedicated regalia portal

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 

I got an option to upgrade from regalia to Millenia

akshanu0507850 wrote:

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

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..

Dimer777 wrote:

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.