The Credit Card Thread

mjumrani · 1st May 2019, 17:28

Quote:

Originally Posted by Nonstop-driver

Any idea if Diners Club 10x rewards are extended beyond April 30th?

Yes, till June 30th. Here is the link https://www.hdfcbankdinersclub.com/privilege

Nonstop-driver · 1st May 2019, 18:10

Quote:

Originally Posted by mjumrani

Yes, till June 30th. Here is the link https://www.hdfcbankdinersclub.com/privilege

Wait, Smartbuy is withdrawn? This page says valid till 30th April.

mjumrani · 2nd May 2019, 15:21

Quote:

Originally Posted by Nonstop-driver

Wait, Smartbuy is withdrawn? This page says valid till 30th April.

This page says otherwise (valid till May 31st) https://offers.smartbuy.hdfcbank.com/offer_details/409

DigitalOne · 2nd May 2019, 17:20

Quote:

Originally Posted by binand

1. The Rs. 2000 no-pin-required limit for contactless cards is an RBI upper limit. Banks are expected to take further risk mitigation measures (allow customer to set it lower or disable it altogether, cap the number of such transactions beyond with PIN needs to be entered etc.).

Bumping up an old issue. I couldn't find anywhere on the ICICI bank site any place where I can set it lower or disable it.

Guite · 2nd May 2019, 22:24

My wife and myself were also baffled by this no PIN required transaction on wireless cards. We felt it is risky. We are not aware of this RBI guideline.

SilentEngine · 2nd May 2019, 22:29

The Credit Card Thread-imageuploadedbyteambhp1556816067.829841.jpg

Citi Premier miles card has different design!
Front has only the name. Card number and expiry are moved to back of the card.

gupta_chd · 2nd May 2019, 22:55

Quote:

Originally Posted by DigitalOne

Bumping up an old issue. I couldn't find anywhere on the ICICI bank site any place where I can set it lower or disable it.

You cannot set it lower for sure. 2000 is the cap set by RBI and there is no provision to change it. I am not certain if it can be disabled but in my opinion it is otherwise.

binand · 3rd May 2019, 08:34

Quote:

Originally Posted by SilentEngine

Citi Premier miles card has different design!
Front has only the name. Card number and expiry are moved to back of the card.

Visa Reward, too. Probably their entire portfolio. But my Premier Miles that renewed in February got only an updated version of the old design (fonts have changed, no embossing etc.).

The Credit Card Thread-whatsapp-image-20190503-08.29.42.jpeg

Also noted that all these new cards are NFC capable. Just that many POS operators don't know about it, so you need to inform them.

On a different note - my alumni group has managed a deal with HDFC for lifetime free Diners Black card. I presume this is good stuff because the excitement on the alumni groups (WA/Email) is high. I've also joined the bandwagon (will get rid of Regalia then, if the new card has fuel surcharge waiver).

kavensri · 3rd May 2019, 09:43

Quote:

Originally Posted by binand

I've also joined the bandwagon (will get rid of Regalia then, if the new card has fuel surcharge waiver).

One word of caution from my side. I had Regalia and last year I got upgraded to Diners Black. Reward points are good here. But the catch is, this being a Diners Club card, it is not accepted at some places. This happens both online and offline. If you are okay with this, then you can go-ahead.

rkg · 3rd May 2019, 11:00

Quote:

Originally Posted by binand

I've also joined the bandwagon (will get rid of Regalia then, if the new card has fuel surcharge waiver).

As of now nothing comes near to DCB in terms of benefits. Slowly they are getting reduced. But still it is good to hold. Acceptance is almost on par with Visa and MC

pdma · 3rd May 2019, 16:25

Quote:

Originally Posted by turbospooler

Anyone dumping their JPMiles?

Quote:

Originally Posted by sajands

I am still holding on to my JP miles, looks like Jet Airways might scrape through. Fingers crossed.

I have close to 40K JP miles and 8 upgrade vouchers (useless now)

. All the miles were accumulated by flying with Jet over the last year and I don't have any affiliated credit card.
What i see is Jet Privilege was sold to Etihad and we can exchange the miles for air tickets on other airlines.

As of now Iam still holding the miles, will take a decision soon.

Regards,
Pradeep.

sidpunjabi · 3rd May 2019, 18:12

Quote:

Originally Posted by kavensri

One word of caution from my side. I had Regalia and last year I got upgraded to Diners Black. Reward points are good here. But the catch is, this being a Diners Club card, it is not accepted at some places. This happens both online and offline. If you are okay with this, then you can go-ahead.

@kavensri: Is the minimum spend needed to waive annual fees on your new Diners Black the same as your old Regalia card?

I got upgraded to Regalia MasterCard (from a Titanium MasterCard) a couple of years ago, but the minimum spend threshold was the same as the Titanium's (which, at the time, was 1/5th of a standard Regalia card). Since my current Regalia is close to expiry, I'm curious to know if it works for an upgrade to Diners as well!

sharktale · 3rd May 2019, 18:18

Query :

Is there no tangible difference between the HDFC Preferred and Imperia customers?

My father's a longstanding Imperia customer. A friend had told that if a relative is Imperia, other family members are also eligible for the same. However, when I called my RM, he said that there is no real difference IRL between Imperia and Preferred customers.

Quote:

Originally Posted by pdma

I have close to 40K JP miles

You can convert them to Amazon.in & BookMyShow GVs.
Though, unsurprisingly, the conversion ratio has gone up by around 20%. For the past year, my family is watching movies almost on a weekly basis at the theatre, and have converted over 80K JP miles.

I have now converted all my remaining miles to Amazon.in GVs, and plan on using them for purchase during this May sale.

Pancham · 3rd May 2019, 19:51

Quote:

Originally Posted by pdma

I have close to 40K JP miles and 8 upgrade vouchers (useless now)

. All the miles were accumulated by flying with Jet over the last year and I don't have any affiliated credit card.
What i see is Jet Privilege was sold to Etihad and we can exchange the miles for air tickets on other airlines.

As of now Iam still holding the miles, will take a decision soon.

Regards,
Pradeep.

I had close to 150000 miles. Encashed them for Amazon and Flipkart vouchers.

aerohit · 5th May 2019, 09:15

I have a question please-
I spent 20,000 on CC in March for which my payment is due.
I received statement and outstanding dues details for 20,000.

I received a part refund of 10,000 for 20,000 that I had spent as I had returned the goods purchased. Amount credited back to card.
Do i still need to pay 20000 or can I pay 10,000?
HDFC account summary page still shows that i need to pay 20000.

2nd May 2019, 22:24	#3125
Guite BHPian Join Date: Jul 2008 Location: NCR Posts: 738 Thanked: 649 Times	Re: The Credit Card Thread My wife and myself were also baffled by this no PIN required transaction on wireless cards. We felt it is risky. We are not aware of this RBI guideline.
	() Thanks

2nd May 2019, 22:29	#3126
SilentEngine Senior - BHPian Join Date: Jan 2008 Location: KA19,KA04 Posts: 1,167 Thanked: 762 Times View My Garage	The Credit Card Thread Citi Premier miles card has different design! Front has only the name. Card number and expiry are moved to back of the card. Last edited by SilentEngine : 2nd May 2019 at 22:33.
	() Thanks

5th May 2019, 09:15	#3135
aerohit BANNED Join Date: Aug 2007 Location: India Posts: 985 Thanked: 1,013 Times	Re: The Credit Card Thread I have a question please- I spent 20,000 on CC in March for which my payment is due. I received statement and outstanding dues details for 20,000. I received a part refund of 10,000 for 20,000 that I had spent as I had returned the goods purchased. Amount credited back to card. Do i still need to pay 20000 or can I pay 10,000? HDFC account summary page still shows that i need to pay 20000.
	() Thanks