Should I get HDFC DCB Metal Paid?

[vicky08]

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.

 

[vine]

My ₹2.
DCB metal may not be useful now. But given your spends, you should be able to get infinia in a year or two.

 

[Dazzwilliams]

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.

After the recent income criteria revision for Infinia, only way to get take deviation from income is by putting significant spends on other hdfc cards. If you can spend 8L in 6 months on your current DCB plastic which is ltf, you have good chances of getting Infinia based on spends. I don’t think it’s worth taking paid DCB Metal.