Is using Diners CC is better or Axis Bank (10% ...

Is using Diners CC is better or Axis Bank (10% instant discount) on Flipkart?

50°
Missing
Deal Subedar
253
2728
87

Planning to buy 10k phone on FK. Some offer going on which will give 10% instant discount on Axis card. But I think I can get 10x rewards on Diners Black card also.

Which card will be more beneficial to use?

8 Comments  |  
4 Dimers
Missing
Deal Lieutenant
194
4276
58

Obviously Diners Black 33% Reward Points, don’t forget to go through smartbuy

Missing
Deal Subedar
253
2728
87
caks2006407 wrote:

Obviously Diners Black 33% Reward Points, don’t forget to go through smartbuy

I was thinking that Axis give 10% instead discount but Diners gives discount as rewards points

Missing
Deal Cadet
275
889
7
Expand
Budhe-Baba wrote:

I was thinking that Axis give 10% instead discount but Diners gives discount as rewards points

DCB points can be converted to cash at 50p value i.e. 16.66%.

Your choice  is 10% cashback today vs 16.66% after 3 months.

Missing
Deal Subedar
12
1121
16

10% of 10000 = 1000 upfront discount
Or
33% of 10000 = 3333 points, means a flight ticket for free almost. Leave cash conversion
You can book flight for 2k easily for friend family still earn 1k out of it.

Missing
Deal Lieutenant
194
4276
58
Expand
indiansoul wrote:

DCB points can be converted to cash at 50p value i.e. 16.66%.

Your choice  is 10% cashback today vs 16.66% after 3 months.

For FK purchases 10x pts are credited in just 2-3 days.
Purchased a mobile on 18/Feb and 9X points credited today.

Missing
Deal Cadet
275
889
7
Expand
caks2006407 wrote:

For FK purchases 10x pts are credited in just 2-3 days.
Purchased a mobile on 18/Feb and 9X points credited today.

plus1 correct. I assumed Amazon and didn’t notice that OP mentioned FK.

Related to Amazon purchase, when does points credit exactly.. is it 90 days from transaction or last day of the month when 90 days are completed?

DCB Cc told me latter but my tracking of point does not match accurately so want to confirm with someone who has experienced this
Missing
Deal Lieutenant
194
4276
58
Expand
Budhe-Baba wrote:

I was thinking that Axis give 10% instead discount but Diners gives discount as rewards points

DCB has monthly milestone benefits too, and sometimes ‘smartbuy vouchers’…etc
And also it will help u in annual fee waiver, limit enhancement.. no point in patronizing Axis CC holding DCB in hand(I mean HDFC is so generous unlimited Lounge access to add on cards ..etc so we should give business to HDFC)

@indiansoul “last day of the month when 90 days are completed” that is what is written.
Never tracked exactly, but points do not ever match accurately, but few thousands here and there they match, sometimes they did credit 3-4k extra and adjusted in followng months, sometimes less points credited too. Not able to reconcile for last few months due to laziness and time constraints

Missing
Deal Cadet
275
889
7
Expand
caks2006407 wrote:

DCB has monthly milestone benefits too, and sometimes ‘smartbuy vouchers’…etc
And also it will help u in annual fee waiver, limit enhancement.. no point in patronizing Axis CC holding DCB in hand(I mean HDFC is so generous unlimited Lounge access to add on cards ..etc so we should give business to HDFC)

@indiansoul “last day of the month when 90 days are completed” that is what is written.
Never tracked exactly, but points do not ever match accurately, but few thousands here and there they match, sometimes they did credit 3-4k extra and adjusted in followng months, sometimes less points credited too. Not able to reconcile for last few months due to laziness and time constraints

Thanks +kg

Missing
Floting inactive