Infinia DCB lifetime free vs Infinia paid

[faltooAdmi]

Hi,

I have been hdfc preferred customer since last 10 years with my salary account there.

I have never used any credit card ever. So hearing all buzz about Magnus & Infinia, thought of checking on hdfc pre-approved card offers.

To my surprise i saw this :


Looks like I have all these cards pre-approved for me (with no credit history and cibil as NH).

1. Infinia metal
2. Diners club black
3. Regalia gold
4. Indigo hdfc card

Also I am from IIT so I maybe eligible for lifetime free Diners club black as well under alumni offer.

So assuming I get DCB as ltf (alumni offer) and paid Infinia as pre-approved, what should be my choice.

Also my wife is also from IIT and she is not a hdfc customer, but she may also get DCB as ltf under alumni offer.

My expenses would be hardly 3L in a year (excluding rent)

 

[faltooAdmi]

Hi, @faltooAdmi , can you please clear some doubts.
- Did you apply DCB LTF form this online portal or through offline via Bank agent? If online, how you submit your institute degree with them?
- Are you sure if card is shown as pre - approved on this portal, the process is smooth without any hassle and without income proof? Asking because this is not netbanking offer and I think this portal actually suggest card based on the income you enter.
- Also did you get 1500 Amazon voucher as well after doing first transaction if applied online?

1. I contacted my RM regarding alumni offer. I told her I see both DCB & Infinia as preapproved. But I want a ltf card and told her about alumni offer. She then send someone from CC team to get the things done.
2. I checked and mailed them also asking about pre-approved offer. I was getting those cards as preapproved. I did not have to submit any income proof also.
3. No amazon voucher as I did not apply online

 

[faltooAdmi]

Hope you took Infinia 😀

Went with DCB, but now I don't see Infinia anymore in pre-approved card list 😛
But now thinking could have gone for Infinia instead. But considering my DCB is ltf so don't want to loose it too

 

[gurubhai]

1. I contacted my RM regarding alumni offer. I told her I see both DCB & Infinia as preapproved. But I want a ltf card and told her about alumni offer. She then send someone from CC team to get the things done.
2. I checked and mailed them also asking about pre-approved offer. I was getting those cards as preapproved. I did not have to submit any income proof also.
3. No amazon voucher as I did not apply online

Thank you for your reply 🙂

 

[ismail]

paid infinia isnt it always better than ltf dcb?

 

[Ravana_88]

Paid infinia is always better than LTF DCB . Just out in application yesterday . In the form , it said FYF also . Lets see