DCB BizBlack FYF vs Regalia Gold LTF?

[SmartSave]

Guys!

So I'm getting Regalia Gold LTF or DCB BizBlack FYF option after opening an Imperia account for family. I hold Infinia myself, so this is just for them. Usage wouldn't be significant but its more for lifestyle benefits.

Now I'm in a dilemma which one to pick. The person helping me get the approval said he can get an upgrade from RG LTF to DCB BB LTF later after usage but I don't think I'd be able to put this card to such usage levels. I told him to get DCB BB LTF itself but he said he won't be able to. He also clearly stated DCB would have issues using it and I personally faced such challenges too but then it was happening more with international transactions than local.

What you guys think?

 

[Vasuki]

Guys!

So I'm getting Regalia Gold LTF or DCB BizBlack FYF option after opening an Imperia account for family. I hold Infinia myself, so this is just for them. Usage wouldn't be significant but its more for lifestyle benefits.

Now I'm in a dilemma which one to pick. The person helping me get the approval said he can get an upgrade from RG LTF to DCB BB LTF later after usage but I don't think I'd be able to put this card to such usage levels. I told him to get DCB BB LTF itself but he said he won't be able to. He also clearly stated DCB would have issues using it and I personally faced such challenges too but then it was happening more with international transactions than local.

What you guys think?

You have already taken decision in your mind
You just want validity..
So tell us your decision .. we will speak good for it




If you don't have much spend go with regalia LTF

 

[SmartSave]

You have already taken decision in your mind
You just want validity..
So tell us your decision .. we will speak good for it




If you don't have much spend go with regalia LTF

Hahaha, I'm leaning towards DCB but concern is, it won't be used much + not converted to LTF.

Guess RG LTF only then. Thanks for the comment!

 

[Vasuki]

Hahaha, I'm leaning towards DCB but concern is, it won't be used much + not converted to LTF.

Guess RG LTF only then. Thanks for the comment!

Depends on usage ..one is business card other Is personal..


Take bizblack fyf

 

[SmartSave]

Depends on usage ..one is business card other Is personal..


Take bizblack fyf

It'll be used for both tho. I think the best way forward is to re-consult the same person to see what target he's giving and whether he can actually get DCB BB LTF later or if DCB BB FYF is taken now, can he convert to LTF later. That should help take a call

 

[Vasuki]

O

It'll be used for both tho. I think the best way forward is to re-consult the same person to see what target he's giving and whether he can actually get DCB BB LTF later or if DCB BB FYF is taken now, can he convert to LTF later. That should help take a call

On how much itr / return / turnover

 

[raghu.rokda]

It'll be used for both tho. I think the best way forward is to re-consult the same person to see what target he's giving and whether he can actually get DCB BB LTF later or if DCB BB FYF is taken now, can he convert to LTF later. That should help take a call

That depends on your usage to get converted to LTF later

 

[SmartSave]

O

On how much itr / return / turnover

For upgrade? Not sure what your Q is?

 

[NOOB_ui]

Guys!

So I'm getting Regalia Gold LTF or DCB BizBlack FYF option after opening an Imperia account for family. I hold Infinia myself, so this is just for them. Usage wouldn't be significant but its more for lifestyle benefits.

Now I'm in a dilemma which one to pick. The person helping me get the approval said he can get an upgrade from RG LTF to DCB BB LTF later after usage but I don't think I'd be able to put this card to such usage levels. I told him to get DCB BB LTF itself but he said he won't be able to. He also clearly stated DCB would have issues using it and I personally faced such challenges too but then it was happening more with international transactions than local.

What you guys think?

Hi, I recently opened an Imperia account but was denied any card from the bank. I had to get BizBlack against FD. Can you please elaborate on how to avail this offer or get Infinia via NTB Imperia route?

 

[SmartSave]

Hi, I recently opened an Imperia account but was denied any card from the bank. I had to get BizBlack against FD. Can you please elaborate on how to avail this offer or get Infinia via NTB Imperia route?

You should've negotiated with the BM before opening, that's how this works. Before it's open, you're in the negotiating power.

You can still try talking to BM and ask him to get an approval. Infinia would be difficult unless you have the ITR/Salary that meets their criteria but Regalia Gold LTF is doable if BM gets approval.

 

[Avatar Aang]

Guys!

So I'm getting Regalia Gold LTF or DCB BizBlack FYF option after opening an Imperia account for family. I hold Infinia myself, so this is just for them. Usage wouldn't be significant but its more for lifestyle benefits.

Now I'm in a dilemma which one to pick. The person helping me get the approval said he can get an upgrade from RG LTF to DCB BB LTF later after usage but I don't think I'd be able to put this card to such usage levels. I told him to get DCB BB LTF itself but he said he won't be able to. He also clearly stated DCB would have issues using it and I personally faced such challenges too but then it was happening more with international transactions than local.

What you guys think?

You already have Infinia, do you have add on cards for Infinia? if yes, then please share some thoughts why do you want a new card?

 

[SmartSave]

You already have Infinia, do you have add on cards for Infinia? if yes, then please share some thoughts why do you want a new card?

Yes. Add-on is there but its obviously linked to my credit limit. I got RG LTF for my father with his own CL. Why not when I can get it LTF?

 

[Avatar Aang]

Yes. Add-on is there but its obviously linked to my credit limit. I got RG LTF for my father with his own CL. Why not when I can get it LTF?

If LTF is offered then there's no harm in taking it.

 

[NOOB_ui]

You should've negotiated with the BM before opening, that's how this works. Before it's open, you're in the negotiating power.

You can still try talking to BM and ask him to get an approval. Infinia would be difficult unless you have the ITR/Salary that meets their criteria but Regalia Gold LTF is doable if BM gets approval.

How and what should I say now to the BM? I am fine with a FYF BizBlack CC and I have not yet opened my Father's account so I still can give them much business

 

[SmartSave]

How and what should I say now to the BM? I am fine with a FYF BizBlack CC and I have not yet opened my Father's account so I still can give them much business

Go to the branch, meet the BM, explain them you opened your account recently with whatever IP you gave and that you're interested in the Infinia LTF card and ask him to get you the approval and that if you get your desired card, then you'll open your father's account + give more biz to the bank. They'll tell you how it's invite-only and what are its criteria, etc.

Then ask them what alternate he can get an approval. Most likely you'll be given Regalia Gold as an option but paid. Tell them you're interested in their SPC (Super Premium Cards) and have high usage as a biz (assuming you're a biz person since BizBlack is what you've mentioned) and that you're only looking for LTF, then talk about getting BizBlack CC as LTF (if that is your preference) or RG LTF. They'll try to upsell insurance/investment plans and what not. You counter them selling dreams of more biz/investments coming their way through your biz and potentially current account and what not. All of that after you get the card first. Be firm on your demands and stick to your position.

Depending on what card you want, negotiate from the top card, demand high and then settle for the desired card but LTF. Keep in mind LTF is very much possible, they'll try to say it's impossible or they'll get FYF or try to sell crap or even tell you how it'll take a few months before you'll be eligible, etc. all of that are just tactics. You can very much get RG LTF right after opening an account, its all about how they get an approval. Since you know its possible, you should be confident in demanding it not fall into their words. Good luck!

 

[Vinodmb]

Go to the branch, meet the BM, explain them you opened your account recently with whatever IP you gave and that you're interested in the Infinia LTF card and ask him to get you the approval and that if you get your desired card, then you'll open your father's account + give more biz to the bank. They'll tell you how it's invite-only and what are its criteria, etc.

Then ask them what alternate he can get an approval. Most likely you'll be given Regalia Gold as an option but paid. Tell them you're interested in their SPC (Super Premium Cards) and have high usage as a biz (assuming you're a biz person since BizBlack is what you've mentioned) and that you're only looking for LTF, then talk about getting BizBlack CC as LTF (if that is your preference) or RG LTF. They'll try to upsell insurance/investment plans and what not. You counter them selling dreams of more biz/investments coming their way through your biz and potentially current account and what not. All of that after you get the card first. Be firm on your demands and stick to your position.

Depending on what card you want, negotiate from the top card, demand high and then settle for the desired card but LTF. Keep in mind LTF is very much possible, they'll try to say it's impossible or they'll get FYF or try to sell crap or even tell you how it'll take a few months before you'll be eligible, etc. all of that are just tactics. You can very much get RG LTF right after opening an account, its all about how they get an approval. Since you know its possible, you should be confident in demanding it not fall into their words. Good luck!

Hi Guys,

I applied for Pre approved Biz grow and got it with 86K limit. I have IT of 8 lakhs, but my mother has significant rental income. We want to get BizBlack card. But she cant get credit card as her age is 67 years. One option I was thinking is to open Imperia account and leverage on it. Also open on FD on it. How much FD do they ask on top of Imperia ?

My location is Bangalore, there are 2 HDFC branches near my house, one opened recently. I think I can approach the new branch.

 

[Vinodmb]

Hi, I recently opened an Imperia account but was denied any card from the bank. I had to get BizBlack against FD. Can you please elaborate on how to avail this offer or get Infinia via NTB Imperia route?

How much FD you kept? When did you get BizBlack? Which is HDFC branch location?