u/aaarjun888

If you already have DCBM then it's good to understand that DCBM gives 5.9% RP after insurance premium.

As per new guidline of HDFC smart buy you can avail maximum 10k Amazon voucher..add in Amazon pay wallet and make the payment.So purchasing this voucher by DCBM gives you 9.9% RP back but they also take processing charges around 3.5% + GST , so overall it comes around 5.9% eventually.

If you have monthly Insurance Premium lower than 10k and you don't have SBI Black and if you already holding DCBM or RG...use it.

I am not sure how other are feeling after 8.5 update on thier S24 ULTRA... But for my phone it's new life ..

Yes I used to get 6 hour SOT the day i updated with ONE UI 8 in 2025.

I had accepted that may be battery performance is degraded of my phone. But I can visibly see now better improvement on my bettery perfomance after updating 8.5 ONE UI.

I am satisfied with it...also i didn't find any Buggy or hanging stuff on my phone....

Overall getting good improvement, Now you can see I'm getting almost 4.5 hour SOT on 50% drain....

This post is completely for awareness:-

DCBM gives you an option to take benefits from fuel spend indirectly, like directly if you swipe out on any petrol pump you may get only 1% fuel surcharge waive off no reward points but using with little awareness can get you 4.83%( 3.33% RP + 1.5% value cashback) reward .

If you are among those who don't want multiple cards and hazzel free transaction and reward redeem, less tracking and avoid multiple cluttered credit card.

Then this might help you

I will tell you how....

Only one restriction is there you can avail benefits from HP petrol pump using DCBM.

So there is two way you can get it..

As HDFC smart buy portal has removed HP PAY voucher from thier portal, still you can get this voucher directly from gyftr app ,but it will be useless because getting HP PAY voucher they will add 2.5% processing fee+ GST. So getting 3.33% RP will be complete useless.

So now here comes the good deal...

Go to HP PAY app there is a menu gyftr over there ,click on that ,you will able to see HP PAY voucher, and buy it from there without any processing fees. Add gift voucher in same HP PAY wallet and use it on any HP fuel based station,scan and pay ... that's it.

Buying this voucher will directly give you 3.33% RP + paying by HP wallet on HP petrol pump will give you additional 1.5% value back hp coin ,which you can redeem and add it in same wallet.

Note :- Right now 1.5% value back hp coin has been put on hold due to current global situation for fuel and cruid oil shortage.

Again this post is for letting people know that they have an option to get RP on fuel spend by using DCBM.

I have been using it for a while..

​

2026 My Updated Credit Card Optimization Strategy:-

(A)Travel,Flight,Hotel,OfflineSpend,Dining,InsurancePremium,Fuel,Wallet,Voucher/GiftCard:- (REWARD BASED)

1.-HDFC DCBM -(Additional HP Pay Fuel Vouchers 3.33% back)

2.-Axis Atlas

3.-BOB Eterna Visa(LTF) -(Additional Movie BOGO offer)

(B)OnlineFood,OnlineGrocery,OnlineShopping,Utility,UPI payment:- (CASHBACK BASED)

4.-Swiggy HDFC(LTF)

5.-AmazonPay ICICI(LTF)

6.-HDFC ULTIMO PhonePe Rupay

(C)Backup Only For Offer Sale & NonSpend Based Lounge Access(ALL LTF):-

7.-SBI Pulse(LTF)

8.-IndusInd Tiger(LTF) -(Additional Bookmyshow offer)

(D)Backup CoreCard Offer Sale Only:-

9.-ICICI RubyX Visa(LTF)

--

Don't need additional Card for fuel purchase i have very small monthly avg fuel spend max 3000-5000rs/month , I'm doing it through DCBM, for UPI doing by phonepe , and for insurance premium doing by DCBM only.

i will try to replace HDFC ULTIMO to SBI BLACK.

Yesterday I was hanging out with one of my friend,and he said that last month when he was traveling,he was denied to get lounge access for this card, they told him that he needed to spend 40k quarter to avail this offer.

I told him it's not true may be that guy lied to him...

But he was damn sure he said he didn't get lounge access because not fulfilling spending critia..

Is this true? anyone?

Okay so I had posted few days ago about my SBI PhonePe select black rejection and afterwards i applied for HDFC ultimo which went to verification for approval..

Same day I had emailed to SBI for reconsideration for my application to approve PHONE SBI SELECT card..After two days I got a call from SBI they asked me 2 month salary slip and banking statement...I sent them ...

Now today i got email from HDFC that my card approved and within 3 days i will get my physical card.

On other side SBI also approved my card request.

Now I will get both card within a week...

What to do.

The day I got this card as a life time free , For me specially it came with so much value without giving single rupees...

Let me tell you my experience so far:-

I got BOB ETERNA in APR-26 I got

- 15k-20k rupees worth Annual fitpass Pro which i am using it , going to gym daily basis.

- Swimming, badminton, cricket, snooker ,table tennis etc so many free access and session with partened acadmy by fitpass (BUT I'm not using due to location is far like 12-15 km)

- HEALTH CHECKUP complete blood test + Liver Test + Diabetes check-up by fitpass

( I can agree all are worth of between 35000/Rs-40000/Rs)

****Now come to REWARD POINTS Which actually is working for me...

- Register my card on "VISA Rewards Campaign" instantly got 750/Rs amazon voucher .

- Spent 40k before 30th April eligible for 4500 RP(worth 1125/Rs)

-Spent 50k before 60 days of card activation eligible for 10000 RP(worth 2500/Rs)

So TOTAL 4375/RS atleast you will get ... Moreover i haven't added 50k spend basis rewards so if you calculate with default .75 paisa on each 100rs spend then it would come around 375/RS .

FINAL TOATAL = 4750/RS .

I mean all this from a LTF card....

What a hidden gem 💎.

This post is just for people awareness....