Hot Deal HDFC Diners Black LTF

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pranav_sharma837 wrote:

my brother works in hdfc he is telling hdfc has completely stopped giving ltf cards for dcb infinia and some others too, he himself having paid card,how could you guys are getting its first year free, you have to spend above 8 lacks then you will be charged 10k + gst then your amt will be raised

It’s a mystery how hdfc works:

Here some gentlemen got DCB without any efforts and credit limit in range of 4 to 5 lakh. And some people had to do a fixed deposit of 7 to 12 lakhs for dcb and infinia.
Some people got their credit limit quadrupled in last 8 months and some people haven’t gotten a increase in years.

HDFC ki leela aprampar

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pingpong wrote:

Bro is there capping on smartbuy 10x per month?

So if i suggest this credit card 💳 to my boss and he spends Rs. 10 lac in family travel 🧳 in 1 month, he will get 10 lac x 3.33% x 10 = 3.33 lac reward points which equals to Rs. 1.67 lac amazon vouchers? 🤑

Currently it’s 7.5k pm before COVID it was 15k pm for smartbuy. And additional 25k for partnering merchants.
There has to be capping otherwise some people gonna start their own banks with these rewards. 😂😂
It’s same for every good thing few people’s greed ruins it for everybody. But that’s just life.

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pingpong wrote:

Bro is there capping on smartbuy 10x per month?

So if i suggest this credit card 💳 to my boss and he spends Rs. 10 lac in family travel 🧳 in 1 month, he will get 10 lac x 3.33% x 10 = 3.33 lac reward points which equals to Rs. 1.67 lac amazon vouchers? 🤑

How is 10lac x 3.33% is 3.33 lac? Mate its 33k and yes you will get 33k, No cap on regular purchase.

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manav.choudhry598 wrote:

How is 10lac x 3.33% is 3.33 lac? Mate its 33k and yes you will get 33k, no cap on regular purchase.

See my post properly. there’s a x10 also

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a.kabeer31837 wrote:

Currently it’s 7.5k pm before COVID it was 15k pm for smartbuy. And additional 25k for partnering merchants.
There has to be capping otherwise some people gonna start their own banks with these rewards. 😂😂
It’s same for every good thing few people’s greed ruins it for everybody. But that’s just life.

You’re right about the greed angle. But it’s not always the case.
I’m enquiring for my boss. She’s Ultra HNI 💵 Yearly CC spends are 25 lacs!💰
So this card may be great for you, and dream for me, but with capped 10x spends (that too 7.5k pm) it’s just another card for her! 💴

+Karma given

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pingpong wrote:

You’re right about the greed angle. But it’s not always the case.
I’m enquiring for my boss. She’s Ultra HNI 💵 Yearly CC spends are 25 lacs!💰
So this card may be great for you, and dream for me, but with capped 10x spends (that too 7.5k pm) it’s just another card for her! 💴

+Karma given

I think at this stage time is more expensive than rewards and Amex platinum, centurion and Axis burgundy private come into play where convince and excellent support matters more.

HDFC hasn’t picked a single call of mine since COVID.
Amex picks it up as soon as I enter cards detail.
With ICICI there’s 5-15 minutes wait.

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a.kabeer31837 wrote:

I think at this stage time is more expensive than rewards and Amex platinum, centurion and Axis burgundy private come into play where convince and excellent support matters more.

HDFC hasn’t picked a single call of mine since COVID.
Amex picks it up as soon as I enter cards detail.
With ICICI there’s 5-15 minutes wait.

So true.. I have been trying to contact them for months.. no success on cc.
Write them email, first reply will always be a stabdard template.. then you’ll need to reply scold them.. thwn only you ll get some one liner reply.

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shriAyodhya wrote:

Alums of iims and top college get dcb free

What does this means? I’ve seen it multiple times but never understood what’s it about ?

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pranav_sharma837 wrote:

https://v1.hdfcbank.com/assets/pdf/upgradation_...
check yourself do not go by the wordings of these persons if any fees would be applied they will raise the fees for you , you shd have a proof , do you have any that you card is going to be ltf,see cardexpert too he has a long term relationship from hdfc still he has paid cards


https://cdn0.desidime.com/attachments/photos/647741/medium/20201103_233309.jpg?1604426678

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a.kabeer31837 wrote:

What does this means? I’ve seen it multiple times but never understood what’s it about ?

Ex students of IITs/IIMs are given DCB LTF. Banks know that wo laakhon mein kamayenge..

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pingpong wrote:

See my post properly. there’s a x10 also

I suppose you were being sarcastic there by saying 3.3lac points on 10 lac travel in one month.

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dhinchakrohit wrote:


https://cdn0.desidime.com/attachments/photos/647741/medium/20201103_233309.jpg?1604426678

It’s just first year free, even when I upgraded my old dcb to new dcb it had same Annual membership =0 yet I will have to pay annual fee if I do not spend it more than 5 lac in a year

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manav.choudhry598 wrote:

It’s just first year free, even when I upgraded my old dcb to new dcb it had same Annual membership =0

What’s old DCB? And you got the same option that time?

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manav.choudhry598 wrote:

It’s just first year free, even when I upgraded my old dcb to new dcb it had same Annual membership =0 yet I will have to pay annual fee if I do not spend it more than 5 lac in a year


https://cdn0.desidime.com/attachments/photos/647745/medium/20201103_235933.jpg?1604428316
Mail from RM official id

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dhinchakrohit wrote:

What’s old DCB? And you got the same option that time?

Hdfc changed dcb card design and some of its features last Oct-Nov and thus asked all the customers to upgrade to new DCB through Internet Banking. Options were exactly the same at that time, anyway It may be possible that some sort of scheme is ongoing under which they have started issuing ltf dcb to some individuals as 3-4 have claimed similar upgrade here in dd itself so cannot be coincidence.

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ontherocks wrote:

Ex students of IITs/IIMs are given DCB LTF. Banks know that wo laakhon mein kamayenge..

Is there any list of institutions which are eligible maybe my college is on the list. 😂🤣😂

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manav.choudhry598 wrote:

I suppose you were being sarcastic there by saying 3.3lac points on 10 lac travel in one month.

Arre don’t be upset bro. No sarcasm. Just statement of fact 🙏🏻

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manav.choudhry598 wrote:

Hdfc changed dcb card design and some of its features last Oct-Nov and thus asked all the customers to upgrade to new DCB through Internet Banking. Options were exactly the same at that time, anyway It may be possible that some sort of scheme is ongoing under which they have started issuing ltf dcb to some individuals as 3-4 have claimed similar upgrade here in dd itself so cannot be coincidence.

https://cardinfo.in/old-hdfc-diners-club-black-...

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manav.choudhry598 wrote:

After receiving the card, call dcb customer care and ask if its ltf or first year free?
Do not take RM words as gospel of truth, they have targets to reach in the festival season so always safe to Check with dedicated customer care.

Yes, I did call them today. The cc confirmed that the card is LTF. Thanks.

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Confirmed from the bank on Twitter, they replied its LTF for me. Waiting for an email reply, post which i will apply.

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how to check if eligible for upgrade?

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Majestic wrote:

how to check if eligible for upgrade?

Check in netbanking ..cards ..credit card ..request .. upgrade

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dhinchakrohit wrote:

Check in netbanking ..cards ..credit card ..request .. upgrade

I am getting option from clubmiles to millenia option but i dont want it .


Will it get changed to other in future. And show me different upgrade offer ?

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