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?

 

[rohant]

I am taking route of RM (My RM is also BM). I have 2 family banking group, both Imperia in branch, Here are my steps:
1. Last week HDFC organised a health camp and My entire family was invited, My father was chief guest.
2. I was introduced by BM to Cluster Head and while talking he asked me about bank services.
3. I told him that everything is very good but bank is not upgrading my credit card which hold since last 4 years. I want DCBM LTF Or Infinia LTF
4. Cluster head asked me send an email to RM and instructed BM to send that email for approval.
5. I have Millennia card with 2.7 L limit.
6. I sent the mail to RM (Basically BM) and BM forwarded to Cluster head.
7. Yesterday while talking BM he told me that LTF is very hard but we are trying to get approval from Reasional Head and then some divisional head. He also told that FYF DCBM can be approved by Reasional Head but for LTF I have to wait for higher approval.

Let's see what happens. If I get the card will update here.
But I don't want to get the FYF version.

PS: HDFC is not giving infinna on FD basis and have more restriction on both cards.
ULIP is not a guarantee to get the both card in these days. It's only a trick used by bank employees to fulfill target and forward email from RM to BM to Cluster Head, that's it.

Thank you for the details. I would also like to take the same path. To meet BM's yearly targets, my dad got him a 10 cr FD, hope he honors that and help us get at least DCB.

My ask is DCB for the moment. Infinia is too much for them to give LTF now.

 

[vine]

my dad got him a 10 cr FD, hope he honors that and help us get at least DCB.

Infinia is too much for them to give LTF now.

For 10 crore FD, Infinia reserve metal will match.

 

[rohant]

For 10 crore FD, Infinia reserve metal will match.

That's for the company he works for. BM had to show the management that he had gathered a good deposit amount.

So, in that way he can at least go an extra mile for to get DCB LTF, if not metal version.

 

[shivamk]

Thank you for the details. I would also like to take the same path. To meet BM's yearly targets, my dad got him a 10 cr FD, hope he honors that and help us get at least DCB.

My ask is DCB for the moment. Infinia is too much for them to give LTF now.

brooo for 10 cr ask for infinia and then infinia reserve once its officially launched

 

[rohant]

brooo for 10 cr ask for infinia and then infinia reserve once its officially launched

Had those 10 cr been mine, I would have asked him not just CC, but asked him to carry my card wherever I am going as my assistant.

 

[shivamk]

Had those 10 cr been mine, I would have asked him not just CC, but asked him to carry my card wherever I am going as my assistant.

bro, shouldn't matter. you brought them huge business. Get what you deserve

 

[MrMonkey]

wow! Please help me get one bro. Please shed some light on the same. Using Regalia since 5 years+ with 5+ lkh limit

My last 6months were around 4L and Millennia has very low monthly cap for rewards and no complementary lounge access as well. Used these points as reason for upgrade and after multiple back and forth, they agreed for DCB Metal FYF

 

[gg123]

My last 6months were around 4L and Millennia has very low monthly cap for rewards and no complementary lounge access as well. Used these points as reason for upgrade and after multiple back and forth, they agreed for DCB Metal FYF

do you meet eligible criteria? like 1.75L net pay

 

[rohant]

bro, shouldn't matter. you brought them huge business. Get what you deserve

Sure bro. Will ask my dad for Infinia. But it does lack milestone benefits. Also, With diners there is no need to hold another card fo lounge access

 

[fageriaji]

Thank you for the details. I would also like to take the same path. To meet BM's yearly targets, my dad got him a 10 cr FD, hope he honors that and help us get at least DCB.

My ask is DCB for the moment. Infinia is too much for them to give LTF now.

Sure, go ahead.
I know that currently Infinia LTF is near to impossible but my application is running for one card between the both.

 

[MrMonkey]

do you meet eligible criteria? like 1.75L net pay

I was meeting both the salary criteria and credit limit criteria since 2yrs, but spends were low as I had better rewarding cards. So everytime I asked for card upgrade to DCB, got rejected.