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I once encountered with this issue of DCB at New Delhi airport. Add on card of dcb was swiped first then primary card. Add on card did not work. However when primary card was swiped first then add on card , in this case both worked. I guess in 1st occasion, both were swiped simultaneously in two...

I got limit enhancement of approximately 30%.

Yes

Yes …

If you have spent min 7 lacs in 6 month , you can ask for upgrade for hdfc card having limit more than 8 lacs … AFAIK

There is no reward points on paying annual /renewal fee but you will get membership like amazon prime , club marriot etc…

A Are you talking online application or offline? Online you can apply but later they will reject. 2nd card has to be through branch only.

How to get this partner institute program list ?

The amount which is charged as POS is final and hence no extra amount will be billed as far as visa and master card is concerned .

Master and visa has done agreement with most of the airport lounges however card issuing bank restrict this benefit to their product . So it depends on bank to pass lounge access as complimentary to their cards. The list banks keeps revising every year. Hope it makes clear.