I have stopped using DCB now, for anything that we can do on smartbuy, we use my wife's Infinia.

Citi prestige is the default card for us now.

I tried to upgrade my DCB to Infinia coz Citi Prestige doesn't have lot of runway left, but HDFC declined saying I must spend atleast 7.5 L in 6 months to qualify for upgrade to Infinia.

My spends are lot lower now coz of lack of business travel (my company allowed using personal cards)