Hi, HDFC is offering me the upgrade based on my salary. Is it beneficial to get my LTF DCB upgraded to Infinia?
What are the major differences?
What are the major differences?
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Is is advisable to upgrade my LTF DCB to Infinia?
- Thread starter CodeCrusher
- Start date
If u spend 10k & save 30-40k in a year go for it ..
Totally depend on your spending..
Which one r u getting metal or plastic
I spend total around 5-7 lakhs on DCB yearly.
Well take it ..
Imperia will give u more rewards so u will spend more on imperia than other cards.
@SSV
Take it... are you getting Infinia Metal FYF ?
Avatar Aang
TF Premier
Infinia is definitely a better choice whose spends are more than 8L/year or one who spends a lot on smartbuy.
DCB LTF is just good enough for low spender s like me who rarely break the smartbuy daily limit of 2500 points.
PS:- I am still pushing HDFC for FYF Infinia considering the minimum 5x smartbuy rewards.
DCB LTF is just good enough for low spender s like me who rarely break the smartbuy daily limit of 2500 points.
PS:- I am still pushing HDFC for FYF Infinia considering the minimum 5x smartbuy rewards.
I got FYF Infinia Metal but honestly don't mind paying for it either. You are only effectively paying for the GST (since you get reward points equivalent to the fees) and I'm definitely getting more value out of the card than what I am paying since it is my primary card
Avatar Aang
TF Premier
Yes. Earlier I also used to think the same when there was 1:1 redemption for accor. As on date Infinia still offers good value considering the 1:1 redemption on hotels/Airlines. However, what if HDFC discontinues the infinia Renewal RP benefits or devalues the points. That why I will try to keep DCB LTF and ask for other card to be upgraded to Infinia, if offered by HDFC😝.
Avatar Aang
TF Premier
Now HDFC has finally agreed to upgrade my DCB LTF to Infinia FYF. However, I want tol hold onto my LTF DCB and upgrade my Marriott Bonvoy card to Infinia. How do I convince them?
Is there any way to reduce the Fee waiver criteria to 5L for Infinia?
Yes, I read somewhere here that one person successfully reduced fee criteria to 5L or something like that..
So definitely possible. You can try that
Avatar Aang
TF Premier
Then it is now your turn to be creative in finding a cause to make your spending limit reduced ..
The point is, it can be done amd there is a provision for that..
All the best
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