is it worth to get HDFC Diners Black or Infinia against FD ?

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Deal Cadet
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Dear Friends,

Is it worth to get a Diners Black or HDFC Infinia credit card against a fixed deposit of 8 lacs and 11 lacs respectively?

Little cautious blocking such big money and low interest rates especially looking at gradual rewards in these premium cards

I am an imperia bank customer with a diners club miles card with 3 lacs limit.

Tried a lot but not getting an upgrade due to ITR

12 Comments  |  
8 Dimers
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Deal Subedar
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Short ans : yes

Long ans: Check your spending pattern and see if you can spend at least 5L to waive off the fees and/or if you can take good benefit from the from the card by using it at merchant offering 10x, 5x or 3x benefits.

If you share some details of your spending, better assessment can be done.

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Deal Cadet
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DCB has lost its charm as no more 10x partners, Infinia is much better due to more acceptance (visa/MasterCard) also higher limit of monthly RP 15000. Fees of 10000 plus gst may sound high but in Infinia you will get 10000 points by paying the fees, it’s not so in case of DCB

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Deal Lieutenant
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They are not giving DCB/INFINIA against FD, local manager said.Your RM offered this?

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Deal Cadet
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caks2006407 wrote:

They are not giving DCB/INFINIA against FD, local manager said.Your RM offered this?

Yes we have a group imperia account and my sis in law already took infinia for 11 lac fd. I also have around 7 lacs in FD/RD at hdfc and confused whether to add 4 lacs to reach 11 lacs anf get the card

But the issue is 11 lacs get permanetly blocked at lower interest rates .

Wish i can get my diner club miles organically upgraded

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Deal Cadet
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caks2006407 wrote:

They are not giving DCB/INFINIA against FD, local manager said.Your RM offered this?

They offer it against FD of around 10-15 Lakhs, provided you have a decent existing account with them, and again depends on the RM.

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Deal Lieutenant
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BlueFlash wrote:

again depends on the RM.

Could be the reason, cousin’s account upgraded to Imperia and RM came home to meet personally and explain benefits that time RM outright denied any such offer other than ITR route. May be RM is ignorant but at the same time 10lacs FD did not excite him too, strange!

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Deal Cadet
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Ok going for a inifnia card agaist 1 single FD of INR 11,43,000

No other card needed after this as RM giving 8 lac limit

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Deal Newbie
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Dealhunting wrote:

Ok going for a inifnia card agaist 1 single FD of INR 11,43,000

No other card needed after this as RM giving 8 lac limit

For how long you have to keep that fd

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Deal Newbie
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they have provided you additional infinia card or upgraded club mile on the basis of fd

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