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HDFC Diners Black LTF Rejection

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Hi Wrote to grievance team for the LTF of DCB it is rejected for now. Am not getting do i need to hold this DCB card
I have Eterna,Magnus,ACE,Flipkart Axis .

Any other suggestion to get LTF for DCB or shall i close the card.

I have imperia account + almost all products from HDFC Subsidiary. Even though i don't have any relationship with axis i got 4 cards 🙁

Please suggest @TechnoFino @hashiro7
 
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Pavan said:
Hi Wrote to grievance team for the LTF of DCB it is rejected for now. Am not getting do i need to hold this DCB card
I have Eterna,Magnus,ACE,Flipkart Axis .

Any other suggestion to get LTF for DCB or shall i close the card.

I have imperia account + almost all products from HDFC Subsidiary. Even though i don't have any relationship with axis i got 4 cards 🙁

Please suggest @TechnoFino @hashiro7
Click to expand...
I would suggest you, ask them to downgrade it to HDFC Regalia (LTF) and wait for the HDFC Infinia upgrade in the future.
If your monthly spending is exceeding the max cap rewards of Magnus and Eterna then try getting SC Ultimate.

If not I guess Magnus, Eterna, and Ace combination is enough, and wait for HDFC Infinia.
 
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Pavan said:
Thanks a lot @hashiro7 am not eligible for SCB card am in non serviceable area ..is it possible to get regalia LTF??

In between what is maximum points on magnus per month??
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Pavan said:
How about dinner privilege instead of regalia??
Click to expand...
a) Yes, you can ask them to downgrade, and if they didn't offer LTF straightforwardly by asking, tell them to offer LTF on a spend basis. 1L in 90days.
b) You can go for Diner Privilege as well - I am not sure if they issue it LTF or not.
c) Magnus's accelerated reward of 5% is capped at 1L i.e. 25k edge points i.e. 5k INR vouchers and the rest 1.2% default points on the total spend.
 
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Pavan said:
My RM is asking me to check for upgrade to infinia i mean he is requesting me to send email and documents for upgrade please note i don't meet any of the salary or income criteria for same....is it worth to give a try ?
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You must have already filled up a form when upgrading to DCB.. so I don't think they will upgrade so quickly again on the same form
and DCB issued must be FYF, so you can use it for a few months and then email to upgrade to Infinia, citing different spending pattern / lesser acceptability of DCB
 
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thementalist said:
You must have already filled up a form when upgrading to DCB.. so I don't think they will upgrade so quickly again on the same form
and DCB issued must be FYF, so you can use it for a few months and then email to upgrade to Infinia, citing different spending pattern / lesser acceptability of DCB
Click to expand...
yes i filled the form..So you are suggesting me to apply after a year ?
 
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The below mentioned criteria is required for upgrade to Infinia.
What is your
- monthly spend?
- Credit limit on DCB?
You will need a min limit of 10L and around 7-8L spend in the last 6 months.

The other option is with ITR of min 35L you can request for Infinia thru even your bank RM or Manager.

I agree that you have got 4 cards from Axis.
the limits offered by axis in one of the lowest i have come across.
i was given a limit of 1.5L where as i had submitted statement of a card which had 12.4L limit.
Im not very familiar with Axis ACE and flipkart, but looks like both are entry level cards.
the advantages on Infinia and DCB is way above these axis cards.

In the end it all matters on your category/amount of spends and the benefits which you look for from a Card.
 
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vprajnya said:
The below mentioned criteria is required for upgrade to Infinia.
What is your
- monthly spend?
- Credit limit on DCB?
You will need a min limit of 10L and around 7-8L spend in the last 6 months.

The other option is with ITR of min 35L you can request for Infinia thru even your bank RM or Manager.

I agree that you have got 4 cards from Axis.
the limits offered by axis in one of the lowest i have come across.
i was given a limit of 1.5L where as i had submitted statement of a card which had 12.4L limit.
Im not very familiar with Axis ACE and flipkart, but looks like both are entry level cards.
the advantages on Infinia and DCB is way above these axis cards.

In the end it all matters on your category/amount of spends and the benefits which you look for from a Card.
Click to expand...
Thanks for the response ..My monthly spend is around 50 thousand (for now) current credit limit is 5 Lakh on DCB (This limit is given since i used only 50,000 on my previous Regalia card in 6 years ).. I have huge acceptance issue with DCB these days am in tier 2 city and in store acceptance is pretty low.. I placed this request with HDFC ..HDFC told that they can give another card.
 
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Acceptance issue is a big problem.
I used to keep a backup card along with my DCB, when i used it for not even 10% of spends.
Get back to regalia if possible and use it to the fullest.
That's the only way to Increase limits and get a upgrade on HDFC.
 
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*Axis Magnus is good only if you spend 1L a month. Below that you get only 1.2%.
* Eterna rewards of 3.75% is only upto 5000 points. You get 3-3.3% on all DCB transactions.
* Base reward rate on regalia is 1.5%. Which is better than Axis if spends are less than 1L.
What are your limits on Axis & Eterna?
I would suggest keep DCB + one more card as backup depending on your spend pattern.
You will surely get the best limit increase and upgrades with HDFC than any other bank.
That is my personal experience.
 
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