Should i upgrade my CC?

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Last Comment 2022-11-12

2022-11-12

Hello dimers,

I want suggestion that is it worth considering upgrade cc from LTF diners millenia to diners club privilege.

I am not sure if there are any perks which are exclusive to diners club privilege cc considering it would be only fyf rather than millenia which is unconditional ltf.

Screenshot20221112-031928Chrome

I am attaching the banner for offer received and in case if i choose to upgrade will it send a hard inquiry in my cibil?

Usage for cc: Online e-commerce shopping,OTTs subscription and other misc expenses.

In case if i want to have infinia in future will diner's network restrict in order to get that?

Please help me to take this decision...

Thanks in advance.

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https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8829020

Fanil

2022-11-12

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If your spends are moderate and mostly on partner websites, stick to millennia else go to privilege card. It's equivalent to regalia. For diners card you'll get DCB easily and infinia is a bit hard work

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8830601

Hanish_Ochani

2022-11-12

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Fanil wrote:
If your spends are moderate and mostly on partner websites, stick to millennia else go to privilege card. It's equivalent to regalia. For diners card you'll get DCB easily and infinia is a bit hard work

Understood, so should you advise me to switch my millenia to visa variant rather than diners

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8830937

myfungang829

2022-11-12

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Hanish_Ochani wrote:
Understood, so should you advise me to switch my millenia to visa variant rather than diners

Diners is fine, all the benefits are the same, correct me if I am wrong

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8830958

myfungang829

2022-11-12

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Major difference between millennia and privilege is international lounge access and golf game. So take your call accordingly. The reward point value in privilege is very less.....

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8831213

Hanish_Ochani

2022-11-12

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myfungang829 wrote:
Diners is fine, all the benefits are the same, correct me if I am wrong

Just a FYI i was considering to get a infinia in future so if i remain on diner's network will i be even considered for that upgrade?

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8831391

Fanil

2022-11-12

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Hanish_Ochani wrote:
Understood, so should you advise me to switch my millenia to visa variant rather than diners

Don't see much difference between infinia and DCB especially after amazon removed from smartbuy unless you want metal card with some hotel memberships. However, the card charges are also high.

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8832332

Hanish_Ochani

2022-11-12

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Fanil wrote:
Don't see much difference between infinia and DCB especially after amazon removed from smartbuy unless you want metal card with some hotel memberships. However, the card charges are also high.

Correct me if i am wrong, but i have heard they have done major devaluation in case of dcb in terms of monthly capping of cb and other perks

https://www.desidime.com/discussions/should-i-upgrade-my-cc?page=1#post_8832342

Fanil

2022-11-12

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Hanish_Ochani wrote:
Correct me if i am wrong, but i have heard they have done major devaluation in case of dcb in terms of monthly capping of cb and other perks

That is for smartbuy and now that amazon is gone and axis is aggressively targetting the market with the cards, it's really hard for the smartbuy point limitations. Other perks that are disabled were exclusively for DCB cards so don't see difference here. Monthly milestone of DCB is another benefit which is not available on infinia.