Just spoke to customer care and they confirmed that we need to spend 1.5L to avail INFIANA benefits mentioned in the mail but they are not sure when it will be effective from. I reminded them of the RBI rule and they disconnected the call
DCB is a good card even if you pay joining fee. If u use smartbuy properly, u can recover fees easily and of course it has milestone benefit. Do not take i repeat do not take lower variant cards, its a nightmare to upgrade it. HDFC does no give upgrades easily. If u dont want to take DCB now...
If you meet 8L spends may be you can call them and request for fee waiver. They should mostly accept based on your relationship. To answer your question, I think they should be counted unless they are tagged as rent or wallet
Your old card will be active until you activate the new card. Hope you have not activated the new one. If no then you can continue using the old one. The new card will get closed automatically in 30 days
I agree, like i have mentioned multiple times on this forum HDFC does not care for old customers. There focus is only NTB. I had been trying to upgrade DCP to DCB from past 7 months with no luck. Every time it's a different thing, latest is not enough spends in 6 months (I had about 4L spends)...
True, HDFC will not upgrade the card so easily. They only want NTB customers, they give a damn about old customers. I am planning to move my salary someplace else and convert account to basic account as this is my oldest account and linked to all like PF etc.
I asked, they told internal policy cannot disclose :ROFLMAO: ,no point in fighting. I left it at that and changed to Regalia Gold at least it has better acceptability and new transfer partners.
They did not upgrade me to DCB even though i was eligible they told i do not have enough spends on my DCP. Finally after multiple tries gave up and accepted FYF Regalia gold as its much better than DCP after the deval. Looks like DCB metal is a distant dream. I even sent physical documents to...