LTF HDFC Regalia Gold or FYF Diners Club Black?

[vaibhavpp0707]

Hello Friends,
I am getting an upgrade offer on my HDFC Indian Oil credit card through virtual RM.

I am looking for health insurance policy for me and my parents.

If I take HDFC Ergo Super Secure Optima (3-year plan) health insurance policy for me and wife, they will give HDFC regalia Gold LTF.
If I take HDFC Ergo Super Secure Optima (3-year plan) health insurance policy for me and wife as well as HDFC Ergo Secure Optima (1 Year plan) for parents, they will give HDFC DCB FYF.

My spends are not much and I think I will not be able to spend 8 lacs a year.
But I have yearly spends of around 2 lacs that I can do through Amazon pay vouchers.

So please help me deciding whether I should go for Regalia Gold LTF or DCB FYF.

(I wish to have Infinia in future. So which card will help me get Infinia in future easily.)

 

[exclusion]

@abhinavbansal19961996
Weird. I don't have any HDFC credit card.
Been getting ad mails asking me to get any.
They're currently offering me a regalia gold LTF and a diners club privilege LTF.

 

[shivamk]

@abhinavbansal19961996
Weird. I don't have any HDFC credit card.
Been getting ad mails asking me to get any.
They're currently offering me a regalia gold LTF and a diners club privilege LTF.

Do you have an HDFC account?

 

[1RC]

Small Update on my situation
Today My BM called me and told me she received internal mail and i can only be given FYF DCB. I said i am only interested in LTF card be it regalia gold or DCB. She said thats not possible. She said only FYF DCB is possible. LTF is not possible otherwise she would have done it.
I refused and said that reply to internal mail saying customer didnt agree and he needs LTF card only.

I am not sure if i will get LTF.

You will.

Regalia Gold is not too precious for HDFC to not give LTF. Hold on and negotiate hard.

 

[sidp]

Small Update on my situation
Today My BM called me and told me she received internal mail and i can only be given FYF DCB. I said i am only interested in LTF card be it regalia gold or DCB. She said thats not possible. She said only FYF DCB is possible. LTF is not possible otherwise she would have done it.
I refused and said that reply to internal mail saying customer didnt agree and he needs LTF card only.

I am not sure if i will get LTF.

You ll get ltf regalia gold. But how much is your regular annual spend. Go to dcb product page and find out which categories aren't considered for fee reversal milestone.

Paid Dcb would still be OK at 6.5-L annual spend. If it is going to be >8L, take fyf dcb over ltf regalia gold.

 

[Hemang]

If you are qualifying the income criteria then your RM can get waiver approval for spend criteria since you are buying 3 years health insurance from them.

Regalia Gold is lucrative if you are able to spend between 5 lacs and 8 Lacs. DCB is lucrative if you are able to spend beyond 8 Lacs. Overall still feel DCB is better due to better reward points and better rewards conversion rate.

Bhai kon konsi conditions me BM waive kar deta hai spend criteria, credit limit criteria for LTF infinia, DCB ?

 

[Hemang]

Bhaiyo another query, in a credit limit of 1 lac plus which hdfc premium card we can get LTF ?