DCB LTF vs Infinia FYF?

[LordPSN]

HI
I am being offered Infinia FYF. I currently have DCB LTF. But my annual spending is 2-3 lacs max in various sectors mostly from Amazon and bill payments.
For Amazon, I always use Amazon Pay.

 

[RishiKiDev]

Actually I have used it multiple times with DCB. For me and 2 members using my same DCB card.

I agree. I have also done the same.

 

[WandereR]

Actually I have used it multiple times with DCB. For me and 2 members using my same DCB card.

Same lounge and at the same time? I haven't personally faced this as such situation never arose. But I felt it was quite possible as card numbers are identical.

 

[MangoRush]

Stay with DCB, no pressure of getting fee waiver incase of Infinia.

 

[That_average_guy]

Same lounge and at the same time? I haven't personally faced this as such situation never arose. But I felt it was quite possible as card numbers are identical.

Yes. Same lounge and same time. It can be used simultaneously. Also it can be used multiple times at same lounge in a day to extend the use of lounge for some more time as it allows infinite use.

 

[RishiKiDev]

Same lounge and at the same time? I haven't personally faced this as such situation never arose. But I felt it was quite possible as card numbers are identical.

Yes bro. I even used it to extend my stay. 😂

 

[nikhilesh71]

Same lounge and at the same time? I haven't personally faced this as such situation never arose. But I felt it was quite possible as card numbers are identical.

Yes, it is possible on dcb

 

[mojo_jojo123]

HI
I am being offered Infinia FYF. I currently have DCB LTF. But my annual spending is 2-3 lacs max in various sectors mostly from Amazon and bill payments.
For Amazon, I always use Amazon Pay.

Did you send them email for upgrade form online ? in how many days did they give approval for Infinia FYF ..

 

[vibrant143]

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.

I once encountered with this issue of DCB at New Delhi airport. Add on card of dcb was swiped first then primary card. Add on card did not work. However when primary card was swiped first then add on card , in this case both worked. I guess in 1st occasion, both were swiped simultaneously in two POS machine .
but I never encountered this issue again . I think when primary and add on card both are swiped simultaneously in two separate POS machine then it may show error but if it is swiped one after other it will work.

 

[dexter_greycells]

DCB has 3 aces up its sleeve that Infinia does not -
1) Milestone vouchers worth 1k (I go for 2x250 OLA + 500 BMS) on 80k spends in a calendar month
2) 2X RPs on weekend (Sat-Sun) dining at standalone restaurants (no Swiggy, Zomato etc)
3) You got DCB LTF. For people with paid DCB, the annual fees are waived for spends of 5L v/s 8L for Infinia (plastic) and 10L for Infinia (Metal).

Obviously, Infinia's big ace is double the RP limit on SmartBuy (15k v/s 7.5k) and higher RPs (5x v/s 3X) on Gyftr vouchers. Better acceptance (DCB works in 9 out of 10 places where Infinia does) and no 2.5-3.5% fuel surcharge are also added advantages.

Both cards are excellent and which card suits whom is subjective.

 

[Shroud]

2) 2X RPs on weekend (Sat-Sun) dining at standalone restaurants

Wasn't this discontinued?

 

[dexter_greycells]

Wasn't this discontinued?

Nopes. I just got 2X points last month for that.

 

[Hemang]

HI
I am being offered Infinia FYF. I currently have DCB LTF. But my annual spending is 2-3 lacs max in various sectors mostly from Amazon and bill payments.
For Amazon, I always use Amazon Pay.

Bhai DCB LTF kese kraya apne ?

 

[Docjogi]

DCB has 3 aces up its sleeve that Infinia does not -
1) Milestone vouchers worth 1k (I go for 2x250 OLA + 500 BMS) on 80k spends in a calendar month
2) 2X RPs on weekend (Sat-Sun) dining at standalone restaurants (no Swiggy, Zomato etc)
3) You got DCB LTF. For people with paid DCB, the annual fees are waived for spends of 5L v/s 8L for Infinia (plastic) and 10L for Infinia (Metal).

Obviously, Infinia's big ace is double the RP limit on SmartBuy (15k v/s 7.5k) and higher RPs (5x v/s 3X) on Gyftr vouchers. Better acceptance (DCB works in 9 out of 10 places where Infinia does) and no 2.5-3.5% fuel surcharge are also added advantages.

Both cards are excellent and which card suits whom is subjective.

"no 2.5-3.5% fuel surcharge are also added advantages." Can you further explain what you meant by this ?

 

[dexter_greycells]

"no 2.5-3.5% fuel surcharge are also added advantages." Can you further explain what you meant by this ?

I borrowed this from my post in another forum last year -

- I fueled up for Rs 1899 via an HDFC Diners Club Black at HPCL Petrol Pump with ICICI POS terminal.
- The statement showed a charge of Rs 1965.09 which is an overhead of Rs 66.09 or 3.48%.
- I did get a reversal (1% surcharge waiver) of Rs 19.46. So, the net overhead was 66.09-19.46 = Rs 46.63 or 2.455%.

For every other card I used at the same petrol pump (including VISAs from SBI, HDFC, IDFC and a Mastercard from HDFC), the net overhead was 0.18%