My annual expenses are around 18-20 lakhs and I use below cards as primary. I have LTF HDFC DCP with 6.5 lakh limit but it gives no benefits. I asked my RM for Infinia but he did not agree since salary credit is around 2L+ which doesn't meet 3L criteria. He is ready to give paid DCB Metal. Now, I am not sure if that will give me any extra benefits since I will need to spend 8L for fee waiver and I am not sure from which I card should move the spends to meet 8L. Looking for suggestions if I should go for DCB metal or just stay with current set of cards, not sure if I am missing something in my calculations for benefits from DCB. I do not need additional lounge access, I have enough cards which give combined 20+ lounge access in a year.
