The only issue with EPM is delayed issuance of points. Otherwise it is superior to infinia in every aspect
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HDFC DCB (LTF) to Infinia upgrade. Need advice
mojo_jojo123
TF Legend
sahi pakre hai .. 🙂
Kabir_1112
TF Premier
I think soon even icici will add more travel partners. Have to be patient. Maybe starting 2026.
mojo_jojo123
TF Legend
y e s ... so try to get ICICI EPM . .forget HDFC now.
For me Infinia is still my card for international transactions with GVP program. Forex just comes down to 1% + Gst
Inspired by all this discussion I just dropped mail asking for upgrade though it will meet only spend criteria. I thought there is no harm in trying and anyways after meeting quarterly milestones for 3 quarters in a row, I have moved my spend to other cards and unlikely to meet spend criteria in future.
DCB metal to Infinia?
nikhilv0303
TF Ace
You moved spends to which card now?
EPM for vouchers and Atlas for usually offline spends
Following this. Would like to know if it's a good news or bad.
As expected, it is declined with nice mail. I wasn't expecting anything. So this time they did not go through ritual of asking salary slip etc. Just said doesn't meet internal criteria of spend and limit set. Spend was 8-9lacs in last six months and limit was 7.1lacs. I know it did not meet numbers mentioned here in forum but just a trial ballon as I knew spends may be even lesser on DCB in future.
Did they elaborate on the upgrade criteria in their email?
That is not accounting for the base infinia reward rate correct?
Right. Here is the calc.
Infinia Base reward rate: 3.33%
Forex markup: 2.36% (incl. GST)
GVP: 1% cashback on forex (1000/month)
Effective Forex markup: 2.36%-1% =1.36%
Effective gain at max redemption value (1:1): 3.33% (base reward) -1.36% (forex markup with GVP) = +1.97% (Gain on international trx)
You are right bro. Today I spoke to my bank PoC and he has shared this criteria -
1. Salaried: 5L net (Non-govt.)
2. Salaried: 3.5L net (Govt.)
3. Self Employed:60L ITR
4. Spends in last 6 months: =>9L
5. Credit limit: 10L
New criteria effective last month: (1 Or 2 Or 3) + 4 + 5
I had 14 L spends on DCB Metal in last 6 months and attached income documents in mid September.
Got upgraded to Infinia Metal. Took 2 weeks of communication for approval and 3 more days for card delivery.
DCB Metal credit limit was 21 L after auto LE in September first week.
Got upgraded to Infinia Metal. Took 2 weeks of communication for approval and 3 more days for card delivery.
DCB Metal credit limit was 21 L after auto LE in September first week.
Sarkari babu hai
No, I attached the income documents with my upgrade request and also attached past 6 months DCB Metal credit card statement showing my spends and highlighted acceptance issue at times. They would have asked anyway during follow up communication.
Civil servant.
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