Does DBS bank offer LTF cards?

[CreditCardFino]

How to get DBS Spark 5 or Bajaj 5X card as LTF?

 

[panchabhut]

I doubt anyone can even use this card, let alone misuse it. It's totally useless imo

2 lounge access/qtr. discount on blinkit once a mth. occational discounts at other sites. good enough for a for LTF card.

 

[CreditCardFino]

I loaded payzapp with this card. No charges from payzapp and DBS. Got 7% interest and IDFC reward points for paying bill. Got mail that Iam using this CC for business. So now I stopped loading payzapp.

7% interest how? Why wallet load treated as business? Which app did you use to pay CC bill using IDFC DC?

 

[CreditCardFino]

2 lounge access/qtr. discount on blinkit once a mth. occational discounts at other sites. good enough for a for LTF card.

It is one lounge per quarter not two. It had 25% off on PayTM travel the reason I applied for this card.

 

[prankster]

It is one lounge per quarter not two. It had 25% off on PayTM travel the reason I applied for this card.

Is this offer still on?

 

[CreditCardFino]

Is this offer still on?

No but keep checking it will be for limited period not long.

 

[CreditCardFino]

I doubt anyone can even use this card, let alone misuse it. It's totally useless imo

But you get 2% return on 50k offline spend. For LTF card that's not bad.

 

[CreditCardFino]

I am still holding. They don't have right to cancel CC unless we misuse.

So savings is not mandatory once we hold CC. Then I will close savings account soon.

 

[msureshuh]

7% interest how? Why wallet load treated as business?

IDFC Interest rate is 7% above 5L. I didn't do any transaction other than wallet load. So I got mail means they are considering wallet load as business. If I repeat, they may cancel my card. So I stopped. Iam using zavo with first tap rupay debit card.

 

[msureshuh]

So savings is not mandatory once we hold CC. Then I will close savings account soon.

Saving is not mandatory once we get the card.

 

[msureshuh]

But you get 2% return on 50k offline spend. For LTF card that's not bad.

Yes I got 1% reward points per wallet load also. 5p=1rs. So reward rate is 0.2 for wallet load.

 

[CreditCardFino]

IDFC Interest rate is 7% above 5L. I didn't do any transaction other than wallet load. So I got mail means they are considering wallet load as business. If I repeat, they may cancel my card. So I stopped. Iam using zavo with first tap rupay debit card.

So you added 5L to wallet what is you card limit? but 7% is per annum you have max 50 days to repay?

 

[msureshuh]

So you added 5L to wallet what is you card limit? but 7% is per annum you have max 50 days to repay?

I have added 1L. 1.5L per month free withdrawal to bank. IDFC gives 7% per annum interest above 5L in saving account. My saving account balance is more than 20L. Anything I add to it gives 7% interest and interest calculated day wise. IDFC gives 10x reward points per 100. So I get 10k points which is 2.5k Amazon voucher.

 

[CreditCardFino]

I have added 1L. 1.5L per month free withdrawal to bank. IDFC gives 7% per annum interest above 5L in saving account. My saving account balance is more than 20L. Anything I add to it gives 7% interest and interest calculated day wise. IDFC gives 10x reward points per 100. So I get 10k points which is 2.5k Amazon voucher.

But why keep 20L in savings account? since you have more than 5L already its 7% for you.

 

[panchabhut]

It is one lounge per quarter not two. It had 25% off on PayTM travel the reason I applied for this card.

spark 5 has 2 free lounge/qtr. I have personally used it.

 

[CreditCardFino]

spark 5 has 2 free lounge/qtr. I have personally used it.View attachment 103848

On website it is showing one. Also the person who call me said the same thing. Maybe dremfolks has not updated or its a glitch. Did you avail 2 lounges in quarter. You might get charged for second one just check.

 

[panchabhut]

On website it is showing one. Also the person who call me said the same thing. Maybe dremfolks has not updated or its a glitch. Did you avail 2 lounges in quarter. You might get charged for second one just check.

View attachment 104068

I availed twice in 2 qtrs last year without extra charge.

 

[CreditCardFino]

I availed twice in 2 qtrs last year without extra charge.

Maybe newly issued cards have one lounge

 

[CreditCardFino]

I received the card and activated it by doing a small transaction. After a week agent called for address verification he said he will take the Aadhaar photo. I refused for taking Aadhaar photo and disconnected the calls. There was no VKYC in my case.

Have anyone received agent call for credit card verification?

 

[msureshuh]

I received the card and activated it by doing a small transaction. After a week agent called for address verification he said he will take the Aadhaar photo. I refused for taking Aadhaar photo and disconnected the calls. There was no VKYC in my case.

Have anyone received agent call for credit card verification?

Yes. DBS is verifying home address after issue of card. No VKYC because we had bank account.

 

[CreditCardFino]

Yes. DBS is verifying home address after issue of card. No VKYC because we had bank account.

Did the agent take a photo of your Aadhaar? even without bank account some banks don't do VKYC they fetch CKYC.