Suggestion on Which HDFC card to get in current new year LTF offer?

[devsfinance]

Hi everyone,

As most of you know as of now a few HDFC card are being offered LTF like Swiggy, Tata neu Infinity, Millenia etc.

Although I wanta good card so that later I can try to upgrade it to DCB/Infinia.

I am having FOMO for Swiggy(5% cashback for Amazon/Flipkart and 10% on swiggy) and Tata Neu Infinity(As it’s rupay card so can use it for UPI) but I have seen in the forum that getting a co-branded HDFC card has resulted very bad for a few folks.

Please suggest how should I approach this.

 

[devsfinance]

If you are getting DCB metal, then just take it. The fees is anyway covered with reward points and the higher return rate will make up for GST you pay.
And as for acceptance, within India it's pretty good ( better than amex actually ) especially due to their partnership with Rupay. It's only a problem if you have international travel in Europe where it usually doesn't work

I think they don’t offer reward rate in DCB like Infinia. Correct me if I am wrong.

 

[wiizzard]

I

I think they don’t offer reward rate in DCB like Infinia. Correct me if I am wrong.

It's 3.3% on both. Only for Smartbuy vouchers Diners is 3X and Infinia is 5x. And the other thing that differs is the capping. Infinia is 15k / month vs. Diners Metal is 10K/month

 

[pgarg24]

Any idea how to apply one Regalia Gold with no income docs? My dad is retired and hence his application might get rejected. Any agent available who can help..?

 

[dexter_greycells]

It's 3.3% on both. Only for Smartbuy vouchers Diners is 3X and Infinia is 5x. And the other thing that differs is the capping. Infinia is 15k / month vs. Diners Metal is 10K/month

As a fan of DCB let me add its plus points over Infinia -

• 10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter. Infinia has no quarterly milestone benefits.
• 2X Reward Points on Weekend Dining. Infinia does the regular 1X Reward Points.
• Spend ₹ 8 Lakhs in 12 Months and get Renewal Fee waived for next renewal year. Infinia Metal requires Rs 10 lakhs in spends.

 

[wiizzard]

DCB still has weekend dining?
I thought that was discontinued..