HDFC Bank Credit Card Q&As

[Jonas]

Just enable smartpay for one of your utility bills.

Your HDFC mobile app should list your Credit Card over there (if you already are an HDFC customer which I assume you are),

along with with all the recent transactions and such details.

 

[amish]

I already have Smartpay enabled (yesterday)

May be it takes time to reflect on rewards portal.

 

[Jonas]

Is it wise to accept limit increase?

 

[Jay]

Yes. Increases your overall credit limit thereby reducing the overall credit utilization ratio which is great for CIBIL score. Always accept when they offer limit increases and then restrict the transaction limit in netbanking.

 

[a.c]

The card will become lifetime free if you fulfill these conditions:

Sorry if this has been answered but can you send the link for these conditions.
Also is this valid for diners club black card also? I mean I would guess no since it falls under the "uber" premium category but worth a shot reading the details.

Edit: Got my answer, ignore this post. For other those conditions don't work, for DCB have to complete the annual spend for free next year.

 

[Jonas]

What are the benefits you're enjoying using DCB?

 

[mikrotik]

Imo, DCB is useless now after the rewards downgrade. Got my DCB upgraded to infinia.

Also, you can LTF on DCB but then there are specific offers like my brother got for being a alumni of IIM Lucknow.

 

[a.c]

@Samuel Nothing yet, I am still on regalia, but got another call for First-Year Free DCB, was checking if getting it is worth it.

 

[Jay]

Got my DCB upgraded to infinia.

Was there an offer for upgrade in netbanking or did you get it done through your RM? I heard it is tough to switch to Infinia if you opt for DCB.

 

[mikrotik]

Got it done thru RM. You need to have credit limit of atleast 9L on DCB and imperia relationship.