HDFC CC portal offering paid DCB, Is there any way to make it LTF or FYF?

[ankiiiii]

I’m seeking advice on a credit card situation with HDFC. My compensation is heavily reliant on a yearly bonus, which means my monthly salary credit is around INR 165,000. According to my Relationship Manager, this doesn't meet the criteria for a DCB (Diners Club Black) card.

However, I've noticed a pre-approved DCB offer on the HDFC Credit Card portal, six months after opening my account with HDFC. The issue is that this card is fully paid, meaning there's a 10k joining fee with no joining benefits.

1. Is there any way to get this DCB offer changed to a Lifetime Free (LTF) or at least First Year Free (FYF) card?
2. Given that they seem to be bypassing their own criteria by offering me the DCB despite my monthly salary credit, is there any possibility to convince them to offer me an Infinia card instead?

The RMs as usual are not picking up the calls.

Thanks in advance for your help!

 

[drsel]

I also apologize for showing you better options compared to DCB

 

[ankiiiii]

Email saying that you will accept it only if FYF, otherwise you are not interested.
please don't pay 11800 joining fee.

Thanks, doing this for now. Will not take it unless FYF. The worst case will wait for a few months.

 

[SSV]

I also apologize for showing you better options compared to DCB

Hey Doc, we love ❤️ you.. no need to apologize...just a bit of banter mate...
We are all brothers and sisters here..
Cheer up buddy...
You are a good man and I love your maths...
Keep them coming in....
I am actually with impressed with your maths and calculations while being a doc.....

 

[Divyank gulabani]

DCB is a good card even if you pay joining fee. If u use smartbuy properly, u can recover fees easily and of course it has milestone benefit. Do not take i repeat do not take lower variant cards, it’s a nightmare to upgrade it. HDFC does no give upgrades easily. If u dont want to take DCB now dont apply but dont take a lower card. The only issue i see is acceptability of Diners

Is there a thread where we can learn how to use smart buy and gyftr efficiently!! As it’s a big time headache what to do when

 

[drsel]

This thread went sideways with people talking about all other topics except the title 😛

I also apologize for mentioning credit cards which are better than DCB, which you are eligible for, and can easily get

 

[ARV]

Hey thanks a lot for this very useful advice. This thread went sideways with people talking about all other topics except the title 😛
Any idea if by sending an email to HDFC, they might agree to provide it FYF?

You can try emailing them but i dont think they will give you FYF. Only option would be alumni program but you dont meet their salary criteria.

 

[codenerd]

1. DCB lifetime free is unlikely.
You will need to negotiate for FYF. They may milk you for ULIPs with high commission for them.
It's not worth paying 11800 joining fee & renewal fee for DCB with no real cash benefit .

2. You need over 45 lakhs income tax return for even paid Infinia.

Somehow, my friend got infinia with just 18lakhs salary😂 even I was shocked how he was offered paid inifina with just 18 lakhs Salary.

 

[Slayer]

Somehow, my friend got infinia with just 18lakhs salary😂 even I was shocked how he was offered paid inifina with just 18 lakhs Salary.

CuckDFC with it's non-existent data science team

 

[ARV]

Is there a thread where we can learn how to use smart buy and gyftr efficiently!! As it’s a big time headache what to do when

You can watch this Video

 

[ankiiiii]

I also apologize for mentioning credit cards which are better than DCB, which you are eligible for, and can easily get

Hi no please don't apologise. I really appreciated your response. I looked into the Swiggy card, but since I don't have a core HDFC card, it’s better to get a core one first.
What I said was a joke, sorry if it made you feel bad.
XXXX

 

[Abhishek Ghosh]

Hey Doc, we love ❤️ you.. no need to apologize...just a bit of banter mate...
We are all brothers and sisters here..
Cheer up buddy...
You are a good man and I love your maths...
Keep them coming in....
I am actually with impressed with your maths and calculations while being a doc.....

Sir is there any chance to biz black card holders to upgrade offer for infinia

 

[SSV]

Sir is there any chance to biz black card holders to upgrade offer for infinia

Since biz black cards are very new, we need to wait and see.. meanwhile you can try via RM route

 

[Abhishek Ghosh]

Since biz black cards are very new, we need to wait and see.. meanwhile you can try via RM route

Sir is there any way to convert it to LTF

 

[Abhishek Ghosh]

Since biz black cards are very new, we need to wait and see.. meanwhile you can try via RM route

Rms are useless sir

 

[SSV]

Sir is there any way to convert it to LTF

Rms are useless sir

When did you get this card?

 

[Abhishek Ghosh]

18 of may 2024

 

[SSV]

18 of may 2024

So please use this for one year.. don’t worry about LTF or not.. spend wisely and get the maximum juice out of it…
People unnecessarily focus on wrong things and waste their time…
Spend your time in maximising the returns

 

[Abhishek Ghosh]

So please use this for one year.. don’t worry about LTF or not.. spend wisely and get the maximum juice out of it…
People unnecessarily focus on wrong things and waste their time…
Spend your time in maximising the returns

Sure sir thanks 😊