u/Administrative-Put74

Hi All!

I currently have a DCB Metal card which I have been using as the primary (and only card) for some time. I am getting an option to get HSBC Premier card if I shift my salary account to HSBC.

Wanted to check which will be the better card for me as the primary card. Relevant details below:

1. Average monthly spend of 1-2L. Consistently hit quarterly milestone on DCB metal (one reason for not going through the hassle of upgrading to Infinia)
2. Spends are a mix of offline, online, travel, vouchers (very limited) - not super concentrated in any category
3. Priority is to get one primary card which maximises points/returns after conversion - rewards primary usage will be travel; don’t want to spend too much time/thought splitting spends across cards to maximise rewards

First option is I get HSBC Premier as the primary card, and use DCB metal as the backup.
Alternative is I get TravelOne as the backup card, and keep DCB metal as the primary card.

Please suggest ideal card and spend mix.
Thanks!

Hi All!

Planning a trip to either SEA or Japan or Kenya in a few months, and have ~1.2L points on my DCB metal credit card. I have usually been using them for flight bookings through the SmartBuy portal itself.

Wanted to understand how I can maximise the points value for the above mentioned routes (ideally flights, not business class though). Which airlines can I explore for transferring points to? Are the conversions worth the hassle?

Thanks :)