DCB LTF Diners Club Black Metal Credit Card

[dilbwagsingh]

I am currently having a decent relationship with HDFC bank. Had been maintaining quite a lot of balance in my savings account. I had previously tried getting DCB Metal as LTF but was refused straight up by the RM. Only recently when I started moving that money out to my SBI account and not maintain such high balance anymore my RM offered me a LTF DCB Metal upgrade over my regalia. But she is insisting me on purchasing a ULIP plan (HDFC life smart protect plan) which has a 5 year lock-in and premium she is insisting on is more than 1 lakh per annum. I did counter her saying I can work with a single time premium payment option plan (HDFC life insurance sampoorn nivesh) but not with a policy where I have to keep paying premiums for the coming 5 years. To which her reply is single time payment option plans will not be useful for your case escalation for DCB LTF.

My questions are -
1. What options do I have to better negotiate my case? Will taking directly to a branch manager work out better?
2. Are ULIP plans even worth it for getting a DCB Metal LTF? (P.S. - Already asked for Infinia LTF in return of the ULIP purchase but they said it is not possible)
3. Would moving towards 0 balance work out i.e moving all my money to SBI?

 

[LiamHouse]

I have been trying for Regalia Gold LTF, Even in you put FD of 15 lakh and upgrade to Preferred banking, they wont give you any good card LTF. Maximum you may get is Millennia LTF.

Where do you guys even get this information from? If you don't have concrete proof refrain from spreading misinformation.
This is the last time I asked an RM for FD cards and they sent me this.

All cards offered are LTF except BizBlack Metal.

 

[SonyTom]

Where do you guys even get this information from? If you don't have concrete proof refrain from spreading misinformation.
This is the last time I asked an RM for FD cards and they sent me this.

All cards offered are LTF except BizBlack Metal.

First learn what is difference between secured and unsecured card before posting such things

 

[LiamHouse]

First learn what is difference between secured and unsecured card before posting such things

if you’re making a 15L FD and still aren’t getting the card you want, there is a route to get it secured. The person claimed it was not possible even with a 15L FD which is false, understand the concept before posting a comment

 

[coolguy1]

Bhai koi bahadur hai apne TFcian community pe jisne, LTF plastic/metal DCB variant liya hai ? If yes kindly guide for the same. Currently I hold LTF Regalia with 3.3 lac limit and shared limit on HDFC Infinity Credit Card (LTF).

Exceptions will always be made depending on the amount you're writing on the cheque for the account opening.

 

[Hemang]

I am currently having a decent relationship with HDFC bank. Had been maintaining quite a lot of balance in my savings account. I had previously tried getting DCB Metal as LTF but was refused straight up by the RM. Only recently when I started moving that money out to my SBI account and not maintain such high balance anymore my RM offered me a LTF DCB Metal upgrade over my regalia. But she is insisting me on purchasing a ULIP plan (HDFC life smart protect plan) which has a 5 year lock-in and premium she is insisting on is more than 1 lakh per annum. I did counter her saying I can work with a single time premium payment option plan (HDFC life insurance sampoorn nivesh) but not with a policy where I have to keep paying premiums for the coming 5 years. To which her reply is single time payment option plans will not be useful for your case escalation for DCB LTF.

My questions are -
1. What options do I have to better negotiate my case? Will taking directly to a branch manager work out better?
2. Are ULIP plans even worth it for getting a DCB Metal LTF? (P.S. - Already asked for Infinia LTF in return of the ULIP purchase but they said it is not possible)
3. Would moving towards 0 balance work out i.e moving all my money to SBI?

Fir kya decide kra bhai aage ?

 

[350modena]

this is not true, my RM just called me and told me last month that he can get me marriot bonvoy LTF and indeed got me LTF marriot bonvoy

What sort of relationship did you have with to get the MB LTF?

 

[navdeep22]

What sort of relationship did you have with to get the MB LTF?

i did not do anything, one day my RM called me and said he will help me applying marriot bonvoy and will convert it LTF once delivered.

salary account since 2019
and also imperia status since few months

holding LTF millennia credit card with 5 lakh limit

 

[Hemang]

i did not do anything, one day my RM called me and said he will help me applying marriot bonvoy and will convert it LTF once delivered.

salary account since 2019
and also imperia status since few months

holding LTF millennia credit card with 5 lakh limit

ha bhai yahi fark lg rha hai mujhe, mera savings account hai imperia. But not salary account. Salary account is only making the difference. Rest i would also meet branch manager and try for DCB LTF upgrade from regalia. Let's see, what is the outcome.

 

[navdeep22]

ha bhai yahi fark lg rha hai mujhe, mera savings account hai imperia. But not salary account. Salary account is only making the difference. Rest i would also meet branch manager and try for DCB LTF upgrade from regalia. Let's see, what is the outcome.

ma gya tha branch me, branch wale bol rhe ye sab GH ka kaam hota hai, branch manager ka kuch lena dena nahi hota. i visited last saturday

 

[Hemang]

GH kon hai bhai aur kaha milega ye praani ?

 

[350modena]

i did not do anything, one day my RM called me and said he will help me applying marriot bonvoy and will convert it LTF once delivered.

salary account since 2019
and also imperia status since few months

holding LTF millennia credit card with 5 lakh limit

Got it thanks. I think i need to call my RM!

 

[IKFLRT]

GH kon hai bhai aur kaha milega ye praani ?

Bhai iska thikane mile to batana. m bhi ek bottle 🍾 lekar aapke sath chalunga 🥹

 

[Hemang]

Bhai iska thikane mile to batana. m bhi ek bottle 🍾 lekar aapke sath chalunga 🥹

Ji bilkul, pata to chale GH hai kya.?

 

[IKFLRT]

Ji bilkul, pata to chale GH hai kya.?

RM -> Team Manager -> Unit Head -> shayad iske aage hota hoga group head?

aap bhi FD ke against premium credit card prapt karna chah rahe?

 

[Hemang]

RM -> Team Manager -> Unit Head -> shayad iske aage hota hoga group head?

aap bhi FD ke against premium credit card prapt karna chah rahe?

Bhai chahe FD ke against do, chahe imperia customer hone ke naate do. Jab itna balance de diya, usska kya fayda mil rha hai, imperia perks // preferred // classic perks tbhi kaam ke hain jb avail kro, rest debit card to savings max pe bhi free hai. Jo bhi facilites hain extra like unlimited ATM withdrawals, demand draft is free, ye sb to classic me bhi milte hain, agar imperia account hai, to atleast as consumer we should also be benefited through this.

 

[sameer100]

Di

I am currently having a decent relationship with HDFC bank. Had been maintaining quite a lot of balance in my savings account. I had previously tried getting DCB Metal as LTF but was refused straight up by the RM. Only recently when I started moving that money out to my SBI account and not maintain such high balance anymore my RM offered me a LTF DCB Metal upgrade over my regalia. But she is insisting me on purchasing a ULIP plan (HDFC life smart protect plan) which has a 5 year lock-in and premium she is insisting on is more than 1 lakh per annum. I did counter her saying I can work with a single time premium payment option plan (HDFC life insurance sampoorn nivesh) but not with a policy where I have to keep paying premiums for the coming 5 years. To which her reply is single time payment option plans will not be useful for your case escalation for DCB LTF.

My questions are -
1. What options do I have to better negotiate my case? Will taking directly to a branch manager work out better?
2. Are ULIP plans even worth it for getting a DCB Metal LTF? (P.S. - Already asked for Infinia LTF in return of the ULIP purchase but they said it is not possible)
3. Would moving towards 0 balance work out i.e moving all my money to SBI?

Directly try to connect with someone from credit card department if you can find some contact, they will be at best position to guide you based on your current profile.

 

[ALOAK]

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Dear Valued Cardholder,

We have an important update regarding your xx3769 Credit Card.
Effective September 1st, 2024,

The following revisions to your HDFC Bank Credit Card will apply:

1. Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.

2. Reward Points earned on Telecom & Cable transactions will be capped at 2000 Reward Points per calendar month.​

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Category​

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Merchant Category Codes (MCC)​

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Utility​

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4900​

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Telecom & Cable​

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4812, 4814, 4899​

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3. Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points​

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Category​

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Merchant Category Codes (MCC)​

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Education​

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8211,8220,8241,8244,8249,8299​

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Note: The Merchant Category Codes (MCC) are set by the network
(Visa, MasterCard, Rupay, Diners), not by HDFC Bank.

For more details, kindly refer to MITC <link>

If you have any questions or need further information, please contact our customer service team or visit your nearest HDFC Bank branch.

Thank you for choosing HDFC Bank!​

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Warm regards,
HDFC Bank​

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[aniketkr.sharma]

Bhai koi bahadur hai apne TFcian community pe jisne, LTF plastic/metal DCB variant liya hai ? If yes kindly guide for the same. Currently I hold LTF Regalia with 3.3 lac limit and shared limit on HDFC Infinity Credit Card (LTF).

I need to know too as currently holding almost same regalia gold ltf and tata neu infinity ltf with shared 3 lakh limit.

Have to connect with RM for infinia upgrade.

 

[rohant]

Where do you guys even get this information from? If you don't have concrete proof refrain from spreading misinformation.
This is the last time I asked an RM for FD cards and they sent me this.

All cards offered are LTF except BizBlack Metal.

Anything for DCB or infinia?

 

[rohant]

i did not do anything, one day my RM called me and said he will help me applying marriot bonvoy and will convert it LTF once delivered.

salary account since 2019
and also imperia status since few months

holding LTF millennia credit card with 5 lakh limit

My dad's holding regalia with 5+ limit, preferred status. 10 lk+ Fd in hdfc..holding account and cc since more than 5+ years. What's in it for him??


Need dcb tho