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I currently have a couple of Axis LTF cards (Neo, MyZone), a LTF Amazon ICICI card, an AMEX MRCC and a HDFC Infinia plastic (paid) card. The Infinia is my main card. I applied for the MRCC in 2023 and was using it exclusively for Amazon vouchers (4 x 1500) each month. With the recent...

Is anyone aware of whether HDFC plans to introduce ITC as a partner for points transfer? With the Magnus devaluation, it would be very helpful if HDFC points could be transferred to ITC. I am also interested in transfer to Bonvoy - but not interested in the new HDFC-Marriott card so I am hoping...

You could wait until you have a large-ish spend and put it entirely on your Regalia. Then - despite the poor rewards - put all spends on the Regalia for the following 3 months - then email them for an upgrade to a DCB. Repeat for the next upgrade.

I have a somewhat unhelpful response. If you had spent 80K+ this month, this plan makes sense. Since your spends are at 50K instead, I would simply *miss* the milestone - not worth buying stuff just to get there (assuming you are a non-Burgundy member). Since you just got the card, I am sure you...

One option - perhaps not the best one - is to ask HDFC for a second Visa card. They would split your credit limit across the DCB and (possibly) a Regalia card (5L + 6L). Between the two, you could ensure that all spends go on a HDFC card. Down the road, write to them asking about an Infinia...

I was in a somewhat similar situation. I do not think ITR without salary slips will work for this. I think the path is CL + spends. My CL for the upgrade was 8 (a while ago) so I think 9.5 is well over threshold. Therefore you simply have to put your existing expenses on the DCB (see point (1)...

This makes sense and I do think you will benefit from an Infinia (it's very good for domestic travel). I do not see a shortcut to it though. Here are the three steps (1) search these forums for information on how you can use credit cards for a variety of payments - I am not an expert but I have...

Perhaps not what you want to hear but for the spending profile you describe, it may not be worth pursuing a super-premium card. I believe a DCB and an Infinia work best for users who spend primarily through their credit cards. There are many many customers who spend a lot but not using their...

The one weak point - as your RM pointed out - is that you don't have significant spends on your Regalia. I personally think your CL is okay. Since you've written to many email addresses perhaps something will work out. If not, I suggest that you put *all* your spends on the Regalia for a period...

You have to wait for your credit limit to increase. I believe this will take time - 6 months or so. Try again after this happens.

No no, that's not the impression I wanted to convey. The DCB is a good card with multiple benefits and an excellent reward rate. Given that you have it LTF, congratulations! I wanted to tell you two things: (1) be aware of its limitations - this is so when your CL grows, you could consider...

You will suddenly run into a shop/establishment that does not take Diners, meaning you cannot rely on it as your sole card (run a search on these forums for such examples). You could also end up with a significant spend at a new place and then find out that the place doesn't accept your DCB...

A few years ago, I wrote to HDFC saying that my DCB had poor offline acceptance (and on tap-to-pay machines). They offered to split my credit limit across the DCB and a Visa card (Regalia). So: check your credit limit after the upgrade to DCB - if you have a CL of 7L, they should be willing to...

Two points in this regard. (1) An upgrade to Infinia cannot hurt your chances of a further upgrade to 'Reserve' - if and when it launches (and assuming it is actually slotted in above the Infinia) and (2) If it's FYF, you have nothing to lose - see point (1). If it's not FYF - ask for FYF.

I pay a (personal) driver's salary each month with a Magnus using Bharatnxt - and have received the milestone bonus without issue. Re. your question: I don't think you will get a clear yes or no from anywhere except the bank (maybe not even then). My guess is that as long as your Bharatnxt...

12L+ does not sound right. I know it was - recently- a credit limit of 8L (on an existing HDFC card like DCB) plus spends north of 1L per month for the past 6 months or so.

I believe the metal Infinia has a fee waiver at 10L while the plastic one (more complicated to get now) sits at 8L. In case you have domestic travel each year, remember that they give you close to the annual fee in points and 1 INR = 1 point (pay with points for 70% of your travel cost each...

This is the problem with DCB, acceptance issues offline + online and very limited tap-to-pay (otherwise a rather nice card). I would suggest thinking about a move to an Infinia. You will likely lose the LTF status but acceptance is superb and the fee is more-or-less compensated for by points...

No. They said their offerings (vouchers) could improve over time (could *not* would) and then asked if I would try another product. I was planning to close the card-account anyway because I find cards like Ultimate (and Magnus) require thought and effort to be beneficials (time I am unwilling to...

Each use case is different so you will have to evaluate your spends and decide whether the upgrade is worth it. For example, spends on vouchers under smartbuy, travel etc would make it a very compelling upgrade. Entirely offline spends, less so (particularly if you don't know whether...