is it worth to get HDFC Diners Black or Infinia against FD ?
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Naa.
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
Waste
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
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
they have provided you additional infinia card or upgraded club mile on the basis of fd
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.
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
Seems like you have had some bad experience with Hdfc, please share.
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.
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..
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.
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…
If we spend more than 5 lacs on diner club miles will limit be increased to 5 lacs?
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.