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DCB LTF vs Infinia FYF?
- Thread starter LordPSN
- Start date
At any point in time in future, when your spends are higher, you can move to Infinia....
As long as you paying ZERO ... and getting good return rate with DCB... That's where the max joy is 😉
Else if you dont mind the extra 12500+GST, and still want to reap the benefits of higher return rate....
You choose....
As long as you paying ZERO ... and getting good return rate with DCB... That's where the max joy is 😉
Else if you dont mind the extra 12500+GST, and still want to reap the benefits of higher return rate....
You choose....
DCB LTF is sure shot until your spends are too high...
D₹V
TF Prestige
That's also a reason for upgrade if he wants to consider
But point here to note is, HDFC has gone violent these days.
I believe they might remove 12500 renewal benefits soon.
They already removed lounge access.
Also removed LTF offer for new customers for any HDFC card.
its only a matter of time before they devalue thier plastic dcb
so milk it while you can and then jump the boat to infinnia
so milk it while you can and then jump the boat to infinnia
And worst part is once LTF DCB gone means gone. So not worth taking risk according to me.
D₹V
TF Prestige
Yes, HDFC is on the way to earn max MDR from users.
Any special benefit of ICICI Emeralde Metal for which you are ready to pay such high fee?
NeoOnWheels
TF Premier
You should not lose much on DCB for that kind of spend. The rewards are almost equal on both the cards. Infinia is also almost free as you get equal reward points (Minus GST) buy you have to spend them on travel in case you want 1:1 returns. Unless you want bragging rights and DCB acceptance is an issue for you, DCB should just be fine.
take infinia, unlimited pp for u and family (india or outside)
infinia is more rewarding than dcb, even with annual fees its 100% worth taking ... you do get points on renewal, only GST part is extra
Also if u have infinia, u will have btter chance to upgrade to new super premium cards hdfc wud launch.
if u stick with ltf dcb,. u will end up sticking with it for ur whole life.
we dont know future, hdfc may make infinia tougher to get.
you shud take it when u have offer available else regret later
infinia is more rewarding than dcb, even with annual fees its 100% worth taking ... you do get points on renewal, only GST part is extra
Also if u have infinia, u will have btter chance to upgrade to new super premium cards hdfc wud launch.
if u stick with ltf dcb,. u will end up sticking with it for ur whole life.
we dont know future, hdfc may make infinia tougher to get.
you shud take it when u have offer available else regret later
I don't think so, for a person who has 2-3L spends, let's say he buys infinia -> he pays 14750 fees and gets 12500 pts.
These points value = 6250 (as he has major spends on amazon) so probably converting them to vouchers as flight/hotel is not needed for him.
So he has to recover fees of 8500 which would be hard to recover on less spends.
Also infinite lounge access is available on dcb for primary & add on.
What I believe is cards like Infinia, Magnus, Emerald Metal, Amex Platinum Travel are not even meant for someone whose spends are so less. These cards are beneficial for high spenders.
Also as you said, they might launch new super premium cards in that case I believe Infinia might become easier to get.
Slight correction. Primary and addon cannot simultaneously use the same lounge using DCB. It has been reported by many members now.. This won't be the case with Infinia as that gives PP for every add on. But it's not a dealbreaker if not intended to be used for this specific case.
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