Infinia Query on HDFC Infinia vs HDFC Diners Black Metal Reward

[Indrajeet100]

Everyone is chasing Infinia, I just wondered how better it is from Diners Black Metal. Here is my working. Please correct if wrong-
1. Less than Rs.8lacs annual spend, it doesn't need much calculation as Diners Metal will attract annual fees without any reward whereas Infinia effectively only GST is paid as one gets 12500 points on renewal fees.
2. 8lacs spend with Diners meeting milestone in 2 quarters and 20k per month on vouchers- Diners 62k (24k on 3x vouchers+18k on remaining spend+20k milestone vs Infinia 58k( 40k on 5x vouchers+ 18k on remaining spend)
3. If spend on 5x vouchers is 30k per month, it is equal 66666 points

So basic equation is if meeting Diners milestone in atleast 2 quarters and 5x vouchers spend is less than 30k per month, Diners gives better return than Infinia. Difference get more in favor of Diners if milestones are met in more quarters or Infinia 5x voucher spend gets lower.
So in many conditions Diners Metal can be more rewarding than Infinia.
Yes of course there is major issue of acceptability of Diners so will need to have atleast one major card alongwith Diners.
Feedback if I have got any numbers wrong here.

 

[BVCBVC is verified member.]

That is because Infinia can redeem points for 1:1 for one apple product in a year and Tanishq 50k per quarter 1:1. For Diner Metal product redemption is 1:0.5

Thanks for the clarity. Is it the same for Tanishq too??

 

[theXfactor]

I'm also having DCB plastic LTF..can we convert it to Infinia LTF? If any suggestions pls tell

"Upgrading to Infinia LTF" Q has been beaten to death in this forum. Hope people here will enlighten you as well.

 

[Indrajeet100]

Thanks for the clarity. Is it the same for Tanishq too??

Yes. These 2 redemption at 1:1 exclusive to Infinia.

 

[BVCBVC is verified member.]

Yes. These 2 redemption at 1:1 exclusive to Infinia.

Thank you for the clarity. Actually missed on that part. There was one friend of mine who sent me this because he was redeeming for Apple products. So only better option to redeem DCB metal points is on Travel (Hotels and Flights).

 

[deovratsingh123]

@Indrajeet100 How has DCB Acceptance been so far, I have heard that offline acceptance is decent but the issues are with online transactions, has there been any issues in this regard for u so far ?

 

[Indrajeet100]

@Indrajeet100 How has DCB Acceptance been so far, I have heard that offline acceptance is decent but the issues are with online transactions, has there been any issues in this regard for u so far ?

So far no issues. Do not even intend to use offline as Atlas is better for that. Online haven't yet seen any issue. My biggest spend on HDFC card was school fees and I checked before upgrade that Diners will work on school's payment gateway.

 

[deovratsingh123]

So far no issues. Do not even intend to use offline as Atlas is better for that. Online haven't yet seen any issue. My biggest spend on HDFC card was school fees and I checked before upgrade that Diners will work on school's payment gateway.

Does it work in situations where RuPay or Discover is accepted instead of Diners?

 

[Indrajeet100]

Does it work in situations where RuPay or Discover is accepted instead of Diners?

seen this somewhere on this forum only-
Diners Club Credit Cards accepted on all RuPay card networks in India. However, some merchants disabled RuPay's affiliate network because of higher MDR charges.
Not noticed if site accepted because it worked on Diners or through Rupay but abhi tak ho raha hai accept though school gateway had .8% fees for Visa/ Master and 1.0% for Amex/ Diners. One more particular use I have is to pay tax to earn quarterly milestone. It will work on HDFC payment gateway for Income tax.

 

[theXfactor]

Does it work in situations where RuPay or Discover is accepted instead of Diners?

It is accepted where Discover is accepted

 

[deovratsingh123]

seen this somewhere on this forum only-
Diners Club Credit Cards accepted on all RuPay card networks in India. However, some merchants disabled RuPay's affiliate network because of higher MDR charges.
Not noticed if site accepted because it worked on Diners or through Rupay but abhi tak ho raha hai accept though school gateway had .8% fees for Visa/ Master and 1.0% for Amex/ Diners. One more particular use I have is to pay tax to earn quarterly milestone. It will work on HDFC payment gateway for Income tax.

Thanks for clarifying this, My upgrade was denied at first but now I was considering Atlas before getting to PnO.

 

[MrMonkey]

Thanks for clarifying this, My upgrade was denied at first but now I was considering Atlas before getting to PnO.

Incase you don't meet the spend criteria and credit limit criteria yet, then no point in bothering with pno

 

[deovratsingh123]

Incase you don't meet the spend criteria and credit limit criteria yet, then no point in bothering with pno

My limit is 25K short but spends exceed almost 1L of the required criteria. No good?

 

[MrMonkey]

My limit is 25K short but spends exceed almost 1L of the required criteria. No good?

In that case, you can give it a try, most likely to get the upgrade