Then not worth a lot of extra efforts to upgrade from DCB.
It’s still worth it depending on your spending pattern and how well can you utilise the vouchers for regular spends. Adding to that for international travel, Infinia comes handy. No acceptability issues that makes up for the reward you would otherwise lose out on apart from a headache.Definitely less than 10L
Unlike DCB (which itself is a great card), with Infinia you get 12500 points when you pay the fee. You pay only the gst for what it is worth. So don’t worry about meeting or beating 10L spends stretching. Just pay 12500 Rs and get 12500 points and look at redeeming them at 1:1 ratio, it will be technically close to LTF.