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

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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
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Deal Subedar 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.

Community Angel Community Angel
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Naa.

Deal Cadet 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

Deal Cadet Deal Cadet
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Waste

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

Deal Cadet Deal Cadet
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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 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

Deal Cadet Deal Cadet
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For how long you have to keep that fd

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

Deal Cadet Deal Cadet
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Have eventually decided to stop the application for infinia against fd looking at horrible worst than govt level service and attitude of HDFC Bank.

They don’t deserve having a such high deposit of 11 lacs as if some unauhtorised transactions happen on the card I bet hdfc wont help and just liquidate my fd

Have a diner club miles LTF card with 3 lac limit . Eventually one day it will get upgraded to DCB

Will wait.

Deal Cadet Deal Cadet
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Also shifting all my business to other banks who at least respect and call you when u raise a query and not give covod excuses

Deal Cadet Deal Cadet
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Seems like you have had some bad experience with Hdfc, please share.

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Deal Cadet Deal Cadet
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I also absolutely hate hdfc customer care. Man I just can’t get a person on call for any issue.
Thinking of converting my account into classic just to get person on the otherside.

Deal Subedar Deal Subedar
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getting credit card against our assets is not worth, irrespective of any offer

its only worth if bank gives card against our regular relations or card on card…

i have heard about fraud transactions, where clients are asked to make payment anyhow. Banks do lift their hands in case of any frauds… However, now a days norms are good. Still, in case of banks I always prefer to be on safer side..

Deal Cadet Deal Cadet
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Well if you are having a imperia account you’ll receive a pre approved offer sooner or later for DCB/INFINIA as was the case with me.

Deal Subedar Deal Subedar
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Which ever account you hold.

banks always calls and say
“That you have a offer being a valuable customer. Poora kahaanee kar ho jaayega feer bataayengey k nominal charge hai, monthly X amount hai. Jo yearly aap k account sey deduct ho jaayega….

Aur, barbaadi bas yahee sey shuru hotaa hai…

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Deal Cadet Deal Cadet
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If we spend more than 5 lacs on diner club miles will limit be increased to 5 lacs?

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