Query Regarding DC Deactivation

[CarbonLogic]

Hey guys, I wanted to know if a DC is not used for a long time does it automatically get deactivated/blocked?

Currently I have 4 DCs
1. SBI Global DC (Will close this before next renewal as I am using the Virtual DC which is more beneficial with x4 RP)
2. UnionBank Rupay Platinum DC (Did not use this for entirety of 2024 but when I came to know about the Rupay offer on monthly recharge, I started using it in January of this year and fortunately it worked. Unfortunately the offer has ended)

New Additions

3. Kotak 811 Super DC (I find myself using this quite frequently now)
4. HDFC Platinum DC (Got this for free as part of the SavingsMax account)

I am mostly not going to use the SBI and Unionbank cards and focus on Kotak 811 SuperDC and HDFC Platinum DC for now.

However I am finding it difficult to figure out where I can use the HDFC Card since the 811 card would be providing CB anyways. I dont want to keep it dormant and do atleast 1 txn every month on it so that the "insurance covers" provided by the card are active. It gives 5% discount on swiggy upto 150 cashback points per calendar month. This is a little confusing to me. Does it give flat discount on checkout or does it give "5% reward points" which they are calling as cashback points? Also is 1cashback point = 1 rupee? Other than swiggy and bookmyshow benefit it doesnt have anything else. Golf and

Any and all advice is appreciated! Thank you.

 

[6ix9ine]

You are missing a very important benefit of the old HDFC Platinum card. Once you block it, you won't be able to get it back, as HDFC has discontinued it.

Go through the first 5–6 pages and the last 5–6 pages of this thread to understand everything about how to make the most of the HDFC Platinum card.

I could write clearly, but I would recommend you to read the thread instead. So, you will learn some experience as well.

Don't block hdfc platinum, and SBI DC. SBI DC will be very useful in case you forget account credentials. Virtual DC won't help you in that either.

If you are certain, that your credentials are safe and you don't need to withdraw any cash. Then you may block SBI DC. Good luck.

Thread '1% Cashback returns on HDFC Platinum Debit Card'

Feb 26, 2025

My experience of getting 1% cashback on HDFC Platinum debit card.

Dec 23 - Opened Savings Max Account and got 'Visa Platinum Debit Card'. Started getting 1% cashback (upto Rs 750) on making payment of ICICI credit card through Bill Pay on HDFC platform. In around 6 months time it stopped automatically.

Nov 24 - Changed the account type to Speciale Gold and also converted to Classic Banking (on request). Placed order for new Platinum Debit Card with hope to get word Classic mentioned it. But again got the same variant 'Visa Platinum Debit Card'. Anyways, again started getting...

• Dobbiee
• cashback debit card hdfc hdfc platinum debit platinum platinum debit card
• Replies: 1,174
• Forum: Credit Card Bill Payment

• 
• 
• 

 

[CarbonLogic]

You are missing a very important benefit of the old HDFC Platinum card. Once you block it, you won't be able to get it back, as HDFC has discontinued it.

Go through the first 5–6 pages and the last 5–6 pages of this thread to understand everything about how to make the most of the HDFC Platinum card.

I could write clearly, but I would recommend you to read the thread instead. So, you will learn some experience as well.

Don't block hdfc platinum, and SBI DC. SBI DC will be very useful in case you forget account credentials. Virtual DC won't help you in that either.

If you are certain, that your credentials are safe and you don't need to withdraw any cash. Then you may block SBI DC. Good luck.

Thread '1% Cashback returns on HDFC Platinum Debit Card'

Feb 26, 2025

My experience of getting 1% cashback on HDFC Platinum debit card.

Dec 23 - Opened Savings Max Account and got 'Visa Platinum Debit Card'. Started getting 1% cashback (upto Rs 750) on making payment of ICICI credit card through Bill Pay on HDFC platform. In around 6 months time it stopped automatically.

Nov 24 - Changed the account type to Speciale Gold and also converted to Classic Banking (on request). Placed order for new Platinum Debit Card with hope to get word Classic mentioned it. But again got the same variant 'Visa Platinum Debit Card'. Anyways, again started getting...

• Dobbiee
• cashback debit card hdfc hdfc platinum debit platinum platinum debit card
• Replies: 1,174
• Forum: Credit Card Bill Payment

• 
• 
• 

thanks, i opened my HDFC account last month actualy. So i received the new platinum card not the old Easyshop which has been discontinued.

 

[6ix9ine]

thanks, i opened my HDFC account last month actualy. So i received the new platinum card not the old Easyshop which has been discontinued.

Well, then it's trash 😂

 

[CarbonLogic]

Well, then it's trash 😂

I wanted to know if a DC is not used for a long time does it automatically get deactivated/blocked?

 

[6ix9ine]

I wanted to know if a DC is not used for a long time does it automatically get deactivated/blocked?

Nah mate, as long as your account is in "active" status, it's completely fine.