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Old 30th August 2019, 12:52   #3286
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Default Re: The Credit Card Thread

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Originally Posted by pratika View Post
I've been using Diners Black for 1.5 yrs or so. Earlier I had the Regalia for 4-5 yrs. I found rewards redemption of HDFC for air tickets/hotels to be very competitive wrt rates. I've booked domestic air tickets, domestic and international hotels using reward points. For my US booking I remember that HDFC reward redemption nightly rate was lower than several other aggregator sites.

Still, Diners Black has been the best (most rewarding ) card I've ever held in any country. Their customer service is also top notch - at par with Infinia. If you get a chance to grab it, do so with eyes shut.
Hi pratika,

Can you let me know if Diners Black is a chargeable card? I mean annual charges. I am mostly likely getting a Diners Black as an upgrade from my Regalia First, I was wondering about the charges. And even with the the charges is the card worth it? I may spend 2 to 3 lakhs on this card annualy.

KK

Last edited by KK_HakunaMatata : 30th August 2019 at 13:01.
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Old 30th August 2019, 13:01   #3287
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Default Re: The Credit Card Thread

Quote:
Originally Posted by KK_HakunaMatata View Post
Hi pratika,

Can you let me know if Diners Black is a chargeable card? I mean annual charges. I am mostly likely getting a Diners Black as an upgrade from my Regalia First, I was wondering about the charges.


It depends on your relationship with the bank. They may ask for 5k/year membership fees that can be waived for spends over 5L/yr. If you've good relationship with the bank then push for lifetime free card. I know they oblige in many cases.


Personally, I would blindly get the card even if they charged me 5k/yr because I know that reward redemptions cover this fee several times over for me as we mostly shop from their partner sites only.
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Old 3rd September 2019, 16:10   #3288
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Default Re: The Credit Card Thread

Hello folks, does someone have any experience using a NiYo card for purchases overseas? An official travel is coming up next week and I'm thinking of opting for this card over a regular forex card for my personal expenses like shopping, etc. As a back up, I will still have my company credit card and my Regalia credit card.

Looks like using this NiYo card, I will save on the foreign currency mark up fee that comes with my credit card and the currency conversion charges before and after a trip that comes with any forex card.

https://www.livemint.com/money/perso...761981185.html

Any experience from fellow BHPians will be very useful.

Thanks!
D
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Old 3rd September 2019, 16:45   #3289
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Default Re: The Credit Card Thread

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Originally Posted by tud View Post
Hello folks, does someone have any experience using a NiYo card for purchases overseas? An official travel is coming up next week and I'm thinking of opting for this card over a regular forex card for my personal expenses like shopping, etc. As a back up, I will still have my company credit card and my Regalia credit card.

Looks like using this NiYo card, I will save on the foreign currency mark up fee that comes with my credit card and the currency conversion charges before and after a trip that comes with any forex card.

https://www.livemint.com/money/perso...761981185.html

Any experience from fellow BHPians will be very useful.

Thanks!
D
Hi,
Please go ahead with this card. I have completely resorted to using this card only on my travels abroad. Have used this card extensively in Asia and Africa. No issues faced. No markups. The conversion rate applied is realtime at the time of settling the payment with the PoS. So you may see some adjustments being made after the transaction is complete.
Overall I'm a happy customer.
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Old 5th September 2019, 21:19   #3290
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Default Re: The Credit Card Thread

What’s the best way to destroy a contactless credit card? Where exactly is the contactless hardware/ chip?
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Old 12th September 2019, 09:02   #3291
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Default StanChart Supervalue Titanium card

Beginning Oct '19, 5% cashback for Fuel expenses on Standard Chartered Super Value Titanium card gets a upper cap of Rs. 2,000 per transaction, cashback limit of Rs. 200 per month stays as earlier.
Value derived out of Super Value is reducing.

StanChart mailer
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Old 12th September 2019, 14:34   #3292
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Default Re: The Credit Card Thread

Hi Friends, Anybody using Rupay credit cards? Any feedback on acceptance in shops and online sites across India? I checked SBI site, but they are offering only Rupay debit cards and not credit cards.
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