HDFC Regalia Gold or DCB?
I got a call from HDFC regarding a credit card. It could be either Regalia Gold LTF or Diner's club Black LTF.
My needs: Just the upcoming Flipkart big billion / Amazon great Indian festival deals. I might do upto 5k per month for groceries on regular days.
Current credit limit: 6.7L in ICICI Sapphiro (highest among 4 others)
Please suggest.
Don't get DCB. Too much pain with terrible acceptance at common places
Bro, I’ve 9L limit on Milennia and I’m not getting Regalia Gold on LTF. 😠What is your secret sauce Musk baba?
Most probably because I am a new customer. I did see a few posts by existing HDFC cardholders on different sites having the same concern as yours. If we go with the official HDFC website, I don't qualify for DCB but the HDFC lady said it's based on my current limit on other cards which I am skeptical about. Rounds of devaluation and now I don't care about cashback or reward points, just want a card with HDFC.
Not sure if DCB is LTF as the offer was removed last Nov. In any case, DCB has unlimited lounge access, 10% guaranteed discount through reward points at Amazon, Flipkart, Swiggy etc. if you use Payzapp for all transactions. E.g. I had booked Mumbai-Bangalore flight at some 2800 for which I received reward points equivalent to 1/6th of the amount (for reward points redemption, 1 RP = 1 Re. if used for booking flights/trains/buses etc.) In short, DCB is way better. Acceptance rate might be an issue as someone pointed out but I have never faced it.
