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Posts posted by KunjanPSD

  1. Just now, SuperT said:

    What about the normal offers? For example on the Sony WHXM4 there is a 2k discount on all cards, so will the icici card get the 2k discount and the 5% cash back as well ? 

    Yes, it will. Also, you will also get extra 750 special discount in addition (depends when the promotion is running).

  2. 35 minutes ago, SuperT said:

    This is going to be a big blow for Infinia/DCB for sure. I am glad I applied for the ICICI Amazon card as well. Going to use that for all Amazon orders going forward. 


    On a side note DCB acceptance is worse than Amex. Zepto/BlinkIt don't accept DCB.

    Amazon ICICI is still not that great. Come ICICI sale, it is never eligible for the discount. But yes, most probably the best option left for Amazon, which bitch Amazon wanted to do.


    DCB works mostly on all big box stores, Zepto/Blinkit no idea.

  3. @hannibal09 Do you think a portfolio of LTF DCB, Citi PM (hopefully Prestige later on) and possibly Amazon ICICI be best going forward for airmiles value add?


    I was planning to add almost every purchase on DCB but with Amazon gone, now planning to add most expenses on Prestige if I am able to get it and then only the purchases which can still provide bonus points will go on DCB.


    Other options I considered:


    StanC Ultimate has lower fees but not much when if comes to airlines partners, not sure how good their redemption value is on normal booking.

    Axis Magnus only has Club Vistara as far as I know. 1L milestone is pretty sweet though.

    Amex, will consider when bans lifts.

  4. 25 minutes ago, StormShadow said:

    Quick update : Spoke with Airtel guys. Said they can bridge the airtel router but i need to pay for static ip for it to be permanent else after ever restart they have to re-do all the settings. They also said i cannot do anything by myself. Only they can change the settings.




    Not true. Bridging can be done without static IP. But I am not sure if there is any restriction from Airtel's end. They setup weird gateways.

  5. Called Smartbuy Concierge and was told the same thing. From 1st Amazon won't be a Smartbuy partner.
    Bahut bada dhakka laga.


    Although Smartbuy still has decent options for flights/hotels/products but with removal of Amazon, DCB/Infinia advantage has been greatly reduced with this. I don't think anyone wants to transact on Flipkart, lol.


    So in case your use case was only limited to Amazon and not other merchants on Smartbuy. StanC Ultimate starts looking good because of the similar reward rate and lower fees, not many airmiles partners though.


    Citi Prestige has better base reward rate but high fees and quite a few exceptions.


    I didn't transact that much on Amazon via Smartbuy because I had Regalia, was looking forward to use DCB but I guess not.

  6. 17 hours ago, KunjanPSD said:



    Will I get:


    1) 54000/150 = 360*5 = 1800*3 = 5400 but capped to 2500, so 2500 in total (cap on both base+bonus RPs)


    2) Base RPs = 54000/150 = 360*5 = 1800

        Bonus RPs = 54000/150 = 360*5 = 1800*3 = 5400 - 1800 = 3600, capped to 2500 = 2500 (cap only on Bonus RPs)

        Total RPs = 1800 + 2500 = 4300


    Will really appreciate the help.

    All of this might go in vain.

    People aren't able to buy Amazon Vouchers and hit/miss on Amazon transactions.

    Not sure how many people will be able to take advantage of Smartbuy without Amazon.


    Amazon being shitty, Amz icici doesn't qualify for their own ICICI discounts.

    Milennia might just end up being good option for Amazon now.

    Such a shitty move.

  7. 7 hours ago, Sach4life said:


    2nd one. Cap is on bonus points

    I know that but sometimes their bonus points credit don't make sense.

    Only if they give details about bonus points credit for individual transactions and not just a lumpsum credit.

    They should also do it when the transaction is posted on the card and not days later.


    Still trying hard for DCB, need to make an Apple transaction and SB is the best option.

    • Like 1
  8. 2 hours ago, Bird Bird Bird said:

    Wtf is up with HDFC and ICICI ? None of their cards are now accepted at the (relatively) new 080 Bangalore lounge. It's primarily Amex and few Visa Signature variants (SBI signature, Kotax Visa Sig Debit (not credit), Priority Pass among a few others). 

    Even HDFC Infinia and DCB holders were sent to the usual overfilled BLR lounge. 

    Amex add on card works btw, for 600 extra. 

    Amex can't mitigate the ban fast enough.

    With an Amex, I would pretty much be sorted with the rest of my cards.

  9. @hannibal09 Need some clarification regarding HDFC Smartbuy Points cap. Does the daily cap include base RPs or only Bonus RPs for a Smartbuy transaction?


    Let's say I make a purchase of 54000 on SB using DCB which has 2500/day cap and 3x multiplier.


    Will I get:


    1) 54000/150 = 360*5 = 1800*3 = 5400 but capped to 2500, so 2500 in total (cap on both base+bonus RPs)


    2) Base RPs = 54000/150 = 360*5 = 1800

        Bonus RPs = 54000/150 = 360*5 = 1800*3 = 5400 - 1800 = 3600, capped to 2500 = 2500 (cap only on Bonus RPs)

        Total RPs = 1800 + 2500 = 4300


    Will really appreciate the help.

  10. 55 minutes ago, Aloy said:

    I will be starting my first ever job in a like 2 weeks as a software engineer and kinda very nervous. Can anyone give me some pointers? It's remote for the first month

    Kidhar lgi?

    PM me and I'll try to see if I can find out someone who works there.

  11. 6 hours ago, achilles said:

    Can you please explain this part? How would Infinia fare in this comparison?

    Base RPs remain the same.

    Bonus RPs will increase as Infinia has 5x SB multiplier.

    Bonus Daily Cap for Infinia is 7500/day and 15k/month.

    In case of Infinia, SB is almost always the better choice.


    Just think what kind of value SB used to be before, multiplier used to be 10x for Infinia and DCB with NO cap.

    Card Abusers ruined it for everyone.

  12. 49 minutes ago, SuperT said:

    Does it make sense to use the Amazon ICICI card on Amazon or use DCB via smartbuy ?  

    Depends on the amount you are spending and the value you can get out of the RP on DCB.


    Let me take an example:

    Sony WF1000XM4 = 16990 (post 2k discount on all cards) on Amz.


    Option 1: DCB on Smartbuy


    Amount Paid: 16990

    Base RPs: 16990/150 = 113*5 = 566

    Bonus RPs: 566*3  (3x SB multiplier) = 1699 - 566 = 1133

    Total RPs: 566 + 1133 = 1699


    Total Cost: 16990 - 1699 = 15291

    (1RP = 1RE)


    Option 2: Amz ICICI on Amz


    Base Amount: 16990

    Special Amz ICICI discount: 750

    Amount Paid: 16240

    Cashback (5%): 812


    Total Cost: 15428


    In this example DCB comes ahead.


    But there are some limitations:


    1) DCB has max bonus RP cap of 2500/day, 7500/month and post that you will only get the base RP while Amazon has 5% unlimited cashback.

    2) Assumed 1RP = 1RE as that is the redemption ratio for Flights/Hotels on Smartbuy and 1RP = 1 Air Mile, if you don't have this redemption use case then RP value is lower.

    3) 750 special discount for Amz ICICI is under offer period and shared among all the transactions in the offer period. If you do the above transaction outside the offer period then DCB will look even more attractive.


    So it really depends on:

    1) How much you are spending in 1 transaction and if 5% flat cashback ends up making sense over 2500+Base RPs.

    2) How many transactions you are doing in a month i.e. in case you exhaust 7500/month RPs.

    3) How you want to use the RPs, if you don't want any travel redemption or airmiles, Amz cashback makes a lot of sense.


    One more use case can be utilities payment. Smartbuy allows 5k Amz voucher/month but charges 150 as processing fee, so 5150 but offers 495 total points after bonus, hence a return of almost 9.5% over 5150.

    But Amz ICICI only gives 2% cashback over utility payments.


    So all in all, depends on how you cut it.


    I am trying to get DCB + Citi (Backup) and then Amz ICICI, which should cover all of my expenses.

    Will evaluate when Amex comes back or maybe 6-8 months down the line I can try for Infinia/next best.

    • Thanks 2
  13. 1 hour ago, SuperT said:

    Guys which is the best backup card ? I have a combo of DCB and Amex and multiple times I end up paying via Gpay because the merchant don't accept both. Should I go for the Amazon ICICI card ?

    Depends on your use case i.e. how do you use your Reward points.

    Amz ICICI is a good option because it's LTF or maybe you can look at Standard Chartered Ultimate because it gives flat 3.3% reward rate and you can buy hotel vouchers. Ideally only smallers merchants should not be accepting DCB.

    How often do you face this problem? Because if it's frequent then it makes sense to get a paid card otherwise Amz ICICI.

  14. 58 minutes ago, R3D_D3ViL said:

    Hey, can you PM me the HDFC CC email id’s where I can send a grievance mail. My cc is up for renewal and would like to try my rotten luck for an infinia. 

    Any news as to when AMEX is gonna accept new card users?



    No idea about Amex.

    • Thanks 1
  15. 23 hours ago, hannibal09 said:

    Call Prestige line at +91-22-49181050, 1-800-419-1050, one of group member got rejected so he called these numbers and got Prestige. 

    Trying to get PM and then convert to Prestige to get extra kick out of the welcome points.

    I have a few doubts though, can I immediately apply for Prestige upgrade after getting PM?

    Also what about the card fee, I assume I will only get 10,000 PM miles after I pay PM's fee, so once I upgrade I will have to pay full Prestige fee even though I will be upgrading asap?

  16. 10 hours ago, Root said:

    Does add-on cards also get listed in Cibil? If so what is advantage of an add on card?


    My wife has AU Zenith so should I apply for add on or go for a new Zenith application itself?

    Nope. Add-on cards don't contribute to the holder's credit score and hence not included in Cibil.

    There are only a few startups which started offering this functionality.


    Add-on card only helps you to put all the expenses on a particular card, nothing else. Generally for milestone based expenses.

    Apply one for yourself if you need one.

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