Hmm, HDFC looks set to introduce a metal version of DCB that raises the daily and monthly cap of the current PVC DCB.
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Infinia Plastic LTF
Just a week’s time all the veterans will give us more updates on upgrade, issuing and benefits. You’ve enough time.
sky_walker_rules
TF Select
on a lighter note, cc geeks get some topic to post now as after magnus their demand is also gone (as many were doing consultation for points etc)
As a goodwill gesture they never gave LTF upgrade from pvc infinia to metal infinia.. most probably (based on what’s happening with infinia) people with pvc dcb will get pvc dcb on renewal but for new people maybe only metal dcb will be offered.. i think matter of time before alumni offer of ltf dcb will be discontinued
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CARDBITRAGE
TF Legend
Now Smartbuy website clearly showing multipliers for DCB metal too. Same as DCB.
So, DCB LTF and Infinia paid is still better than DCB Metal paid for most cases.
DCB paid vs DCB Metal paid is debatable, if someone does 4L spend in a quarter.
Kind of expected, if it were the same as Infinia, it would massively tilt in favour of DCB metal.
Lol literally same thing happened with me, when I was insisting for LTF Infinia. They are definitely not getting my FDs and Salary account next year after this fiasco.
Our Bank’s stand has been communicated distinctly and this response may treated as final. We also wish to inform you that any further communication from yourself would not elicit a response from us. In light of this we request you to accept the decision in good faith.
Same. They are not even allowing me to have Paid Infinia. BTW I opened my salary account just for the sake of card upgrade. Now, I am cleaning my account balance as soon as the salary is credited. Someone said to keep 8L+ in account for 3+ months to trigger the upgrade. will think of that later. For now, I am in the mood to close everything with them.
govisi
TF Buzz
One thing I heard was close your current card and then apply for Infinia(assuming your salary is eligible). Better to ask this from your RM though. Keeping money in your account prolly won't trigger such upgrades(speaking from experience). I'm also on the verge of closing salary acc with hdfc and looking into Axis etc.
Bhai when it comes to such things don't approach pno, because pno will always follow the rules. getting ltf infinia is something that you have more chances of success by maintaining good relationship with the RM/BM.
pno has helped me in cases where guidelines were not being followed.
Even in this case , I would say DCB Paid will be much better as we will have less stress to meet fee waiver criteria.
If I didn't had any account with them, I would have agreed (which I won't have obviously next year 🤣).
What's the extra benefit of having investment and salary account with them? Axis gives LTF Select and Burgundy Debit card to Burgundy customers. Now giving LTF magnus too.
If you search, there are people who have got infinia LTF even without any investment or salary account with them.
My point is if you can't give me benefits, you can't get business from me. Even 1% profit on those investments will get several years of fee recovered. And moreover, I will be able to do 10L spends (was doing about 8L in diners itself). I wanted LTF just to avoid any sort of calculations and have peace of mind.
But they choose not to give it LTF. So, I make the choice to give more business to Axis rather than HDFC, who (Axis) actually treats premium customer as premium and shares profit from investments indirectly.
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