Infinia DCB LTF to Infinia Metal – Upgrade or Separate Card? Need Advice

[Momo_Scooby]

Hi everyone,


I currently have a DCB Plastic LTF, and I'm in discussions with HDFC regarding an Infinia Metal. The options on the table are:

• FYF (First Year Free)
• Regular First Year (with fee waiver conditions)
• Paid variant

I would prefer not to upgrade my existing DCB LTF but instead get Infinia Metal as a separate card. However, HDFC seems hesitant.


👉 What compelling reasons can I present to make them agree to issue Infinia separately instead of upgrading my DCB?


For context:

• My yearly credit card spend is around ₹20L.
• Lounge access is very important to me.

If they don’t agree to issue Infinia separately and force an upgrade, what will I be losing compared to keeping both cards?


Would love to hear insights from those who have been in a similar situation. Any suggestions on how to push my case effectively?


Thanks in advance! 😊

 

[vadixit]

As you have plastic variant, you would loose on monthly milestones. Provided you intend to use the card in Smartbuy and would need more than 15k accelerated points (Infinia capping), I think it should be OK to upgrade.

 

[drsel]

You cannot get infinia as a separate card.
it is an upgrade or nothing