DCB HDFC Diners Club Black Metal Credit Card

[bonheur]

Hmm, HDFC looks set to introduce a metal version of DCB that raises the daily and monthly cap of the current PVC DCB.

 

[itsds]

They did not upgrade me to DCB even though i was eligible they told i do not have enough spends on my DCP. Finally after multiple tries gave up and accepted FYF Regalia gold as its much better than DCP after the deval. Looks like DCB metal is a distant dream. I even sent physical documents to Chennai office but no use.

How much spent were they expecting to upgrade to DCB ?

 

[itsds]

They may increase joining/annual charges of Infinia, joining other bank cards annual charges increase mela.

Doesn’t make sense both DCB metal and Infinia metal at same charges.

other bank easily gives premium card to customer , HDFC wont learn this things but will increase the price surely

 

[NeoOnWheels]

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.

Look form this angle that at least the whole fees (minus GST) you are getting back even if its paid. Now look at the potential spend pattern you are talking about and see if its DCB or Infinia which would give you better returns. You are lucky you are at least getting paid Infinia, here I am stuck only cause I did not spend enough on a shitty card like HDFC MoneyBack 😆

 

[Harry1]

Look form this angle that at least the whole fees (minus GST) you are getting back even if its paid. Now look at the potential spend pattern you are talking about and see if its DCB or Infinia which would give you better returns. You are lucky you are at least getting paid Infinia, here I am stuck only cause I did not spend enough on a shitty card like HDFC MoneyBack 😆

Obviously I looked from that angle and that's why I took the paid infinia card over LTF DCB.

But I won't continue savings/salary account, as they didn't give extra benefits.

 

[sky_walker_rules]

my LTF DCB is showing an upgrade to the metal version of it in the net banking section, I will pass the offer. I use sbi cashback card more than this junk card post magnus.

 

[itsds]

my LTF DCB is showing an upgrade to the metal version of it in the net banking section, I will pass the offer. I use sbi cashback card more than this junk card post magnus.

Ask them for ltf

 

[sky_walker_rules]

Ask them for ltf

not worth wasting energy, unnecessary tantrums they ll show.I'm happy with sbi cashback card until infina is offered FYF/LTF

 

[WandereR]

not worth wasting energy, unnecessary tantrums they ll show.I'm happy with sbi cashback card until infina is offered FYF/LTF

Upgrades are usually FYF with HDFC. Do get a confirmation before (if) proceeding.

 

[shrewdoc]

not worth wasting energy, unnecessary tantrums they ll show.I'm happy with sbi cashback card until infina is offered FYF/LTF

Infinnia won't be offered if you don't spend on their card.

 

[sky_walker_rules]

Infinnia won't be offered if you don't spend on their card.

its fine 🙂 , not running behind things which i cant get 🙂

 

[CVR]

Obviously I looked from that angle and that's why I took the paid infinia card over LTF DCB.

But I won't continue savings/salary account, as they didn't give extra benefits.

Ya that makes sense.. i am also in same boat.. have paid infinia metal and not other relationship with hdfc..
but my point was no one has LTF Infinia metal.. during covid people dis get LTF Infinia plastic which is now discontinued

 

[Harry1]

Ya that makes sense.. i am also in same boat.. have paid infinia metal and not other relationship with hdfc..
but my point was no one has LTF Infinia metal.. during covid people dis get LTF Infinia plastic which is now discontinued

You didn't search enough 😅.

LTF Infinia can be revoked?

So, just for complete background information. I am a normal HDFC customer. I have had the same job for 6 years and salary account with HDFC. In this duration, I have taken two loans from HDFC and cleared both. I have never had a credit card from HDFC because I wanted Infinia (before when it...

www.technofino.in

Infinia - Experience with Infinia Upgrade

Hi Everyone , Like others I too struggled a lot to get Inifinia FYF from DCB LTF. I wanted to share my overall experience with the whole process and journey , It might be useful to others . Sent mails to Grievance.Redressalcc@hdfcbank.com , but they rejected saying my existing credit...

www.technofino.in

 

[itsds]

does anyone get preapproved offer via netbanking to upgrade to DCB from Regalia ? and what was your existing limit and spend pattern ?

 

[Joker]

What's the limit they are asking for Infinia Upgrade? I want any recent email in which they have confirmed the limit required is 8 Lakh.

 

[ARV]

How much spent were they expecting to upgrade to DCB ?

I asked, they told internal policy cannot disclose 🤣 ,no point in fighting. I left it at that and changed to Regalia Gold at least it has better acceptability and new transfer partners.

 

[_ayush]

What's the limit they are asking for Infinia Upgrade? I want any recent email in which they have confirmed the limit required is 8 Lakh.

They told me 12 lakhs

 

[Joker]

They told me 12 lakhs

Told me 10 lakhs & hence looking for someone whom they said 8 lakh 🙂

 

[itsds]

I asked, they told internal policy cannot disclose 🤣 ,no point in fighting. I left it at that and changed to Regalia Gold at least it has better acceptability and new transfer partners.

Even I tried to upgrade Regalia to DCB through multiple channel ,nothing worked out even though I have salary account with HDFC and getting in hand salary much more than required for DCB , I don't know on which ground they reject it

 

[ARV]

Even I tried to upgrade Regalia to DCB through multiple channel ,nothing worked out even though I have salary account with HDFC and getting in hand salary much more than required for DCB , I don't know on which ground they reject it

True, HDFC will not upgrade the card so easily. They only want NTB customers, they give a damn about old customers. I am planning to move my salary someplace else and convert account to basic account as this is my oldest account and linked to all like PF etc.

 

[CARDBITRAGE]

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.

HDFC is arrogant in some ways, but they are always reliable. I agree that they should pass on some benefits to high value customers(especially one's who are maintaining 10L SA AMB/30L TRV), but I wouldn't sacrifice my banking relationship for that. I have always received top-notch service from the Imperia team and they are pretty knowledgeable(stark opposite to the dimwits at Axis). The best part is that I have NEVER faced any hiccups with money transfers to date! NOT ONCE. This especially comes in handy to me when someone is liquidating their bonds out of desperation in the secondary market.
Coming to Axis, I've seen several complaints from Burgundy users about the exceptionally low quality of service they have received from Axis, and how one needs to escalate numerous times before receiving a proper resolution. The last few months and the Burgundy Magnus Fiasco should be a testament to how frustrating it is to deal with Axis. They have great products but abysmal service, and if you're willing to compromise on that for some additional benefits, go ahead.