Even before, it was always a great deal for me personally...
Remember I had never spent a single rupee on any HDFC card nor waited for years ( within 6 months of HDFC relationship I got my Infinia)....
and hence decided to get the Infinia metal via ULIP route..
and also more importantly I dont like begging with the BANKS ( for LEs, card upgrade, income waivers, spend waivers etc. etc.) where I am a valuable customer..
LTF is icing on the cake...
anyway, it is what it is.. they can hike or they can decrease.. it is upto them and the market will decide if it is a right move or not..