Should I upgrade from DCB plastic LTF to DCB Metal FYF?

[PRB]

I've received emails to upgrade from DCB plastic LTF to DCB Metal FYF.

Is there any way to convert the FYF card to LTF if I choose to upgrade? Will this hamper any chances of getting Infinia in future?

 

[helloworld]

DCB Metal and Infinia are almost equal. If acceptance not an issue, proceed. Chances always not guarantee, it depends on lot of factors or consider as luck.

But DCB LTF is even good, do thorough analysis and switch only if you can recover annual fee. Bank offered the card to make you switch from LTF to paid, its not easy to get LTF but you can try depends on existing card spends, relationship or any that may affect that decision.

 

[PRB]

Thanks for the response.

I want to upgrade to Infinia in future, If i reject the current upgrade, will it impact the chances of getting Infinia?

 

[Avatar Aang]

Thanks for the response.

I want to upgrade to Infinia in future, If i reject the current upgrade, will it impact the chances of getting Infinia?

Nope. Not taking the upgrade won't impact the possibility of upgrading to Infinia.

DCB Metal is good when spending 4L in a quarter. I also had the upgrade offer but didn't upgrade as I want to get Infinia.
However my past 2 quarters spends are more than 4 so I missed on 20K points.

 

[helloworld]

Thanks for the response.

I want to upgrade to Infinia in future, If i reject the current upgrade, will it impact the chances of getting Infinia?

No. but it takes time.

 

[adldeeps]

I've received emails to upgrade from DCB plastic LTF to DCB Metal FYF.

Is there any way to convert the FYF card to LTF if I choose to upgrade? Will this hamper any chances of getting Infinia in future?

The only compelling reason to do this would be
if you frequently hitting monthly "Accelerated RP ceiling" of 7500 else why leave the comfort of LTF.
And end up paying annual10K fees

 

[sri_cc]

My suggestion would be, If you want to upgrade to INFINIA METAL in the future, then take the upgrade, else just keep the DCB LTF for now.

 

[dapatale]

I am getting daily reminder for upgrade from LTF DCB to FYF DCB Metal
Should I upgrade or not
My aim is to get INFINIA CC

 

[sourpai]

I am getting daily reminder for upgrade from LTF DCB to FYF DCB Metal
Should I upgrade or not
My aim is to get INFINIA CC

DCB Metal upgrade is not required to get Infinia CC.... You only need to spend 7.5L in 6 months and >8L credit limit. Do it on DCB LTF and apply for Infinia

DCB Metal is suggested for people who want to use Smartbuy more and 2.5k points per day limit on 5x/10x is not enough

 

[sri_cc]

I am getting daily reminder for upgrade from LTF DCB to FYF DCB Metal
Should I upgrade or not
My aim is to get INFINIA CC

would agree with @sourpai 's comments
don't apply for DCB Metal if you don't need it
only apply if you feel you need the higher limits on reward multipliers

 

[jar89]

2 cents to consider:

- DCB metal has higher daily and monthly cap on accelerated RPs.
- DCB metal gives 10K points on 4L spend in a quarter , whereas DCB plastic gives two 500Rs voucher for a spend of 80K every month. So if you hit 80K every month, you will get 12000 Rs worth vouchers (BMS, OLA, Tata Cliq, Cultfit), which I think is easier to achieve than spending 4L every quarter for metal.

 

[Kabir_1112]

Nope. Not taking the upgrade won't impact the possibility of upgrading to Infinia.

DCB Metal is good when spending 4L in a quarter. I also had the upgrade offer but didn't upgrade as I want to get Infinia.
However my past 2 quarters spends are more than 4 so I missed on 20K points.

I have DCB plastic LTF and an offer to upgrade to Infinia, but I'm thinking not to take this upgrade offer because I do not use smart buy frequently. And I have been using this card for past 6 years and I don't know if the upgrade to Infinia makes sense if the spends are not on smart buy.

 

[Avatar Aang]

I have DCB plastic LTF and an offer to upgrade to Infinia, but I'm thinking not to take this upgrade offer because I do not use smart buy frequently. And I have been using this card for past 6 years and I don't know if the upgrade to Infinia makes sense if the spends are not on smart buy.

If you don't use Smartbuy then don't upgrade.

 

[Indrajeet100]

If you are targeting Infinia, you anyways have to show spend of 9lacs in six months. With this DCB Metal will give you 20k additional milestone points (10k every quarter for 4lacs) and will waive fees as well. So better take this.

 

[Kabir_1112]

If you don't use Smartbuy then don't upgrade.

DCB PVC is LTF. Other cards are all paid and I don't use Smart buy. I have shifted a lot of my spend on HSBC Premier and also using my LTF DCB Plastic

 

[Kabir_1112]

If you are targeting Infinia, you anyways have to show spend of 9lacs in six months. With this DCB Metal will give you 20k additional milestone points (10k every quarter for 4lacs) and will waive fees as well. So better take this.

I have Infinia upgrade option, but I'm not upgrading. My DCB PVC IS LTF and if I upgrade to Dcb Metal it will be paid. I don't want to change from LTF to paid versions. Continuing with LTF DCB PVC.

 

[kvndsz512]

I have Infinia upgrade option, but I'm not upgrading. My DCB PVC IS LTF and if I upgrade to Dcb Metal it will be paid. I don't want to change from LTF to paid versions. Continuing with LTF DCB PVC.

if u have already infinia upgrade then why not take that?

 

[Saral]

if u have already infinia upgrade then why not take that?

fees will be mostly covered with renewal points

 

[kvndsz512]

fees will be mostly covered with renewal points

i know that's why asked him that qs

 

[Avatar Aang]

fees will be mostly covered with renewal points

IMO one simple rule should be, take it only if you need it. I know Infinia offers 12500 points but you still pay GST. More than that, practically, the value of Infinia points is around 93p. That's a total loss of Rs. 3,125. Lastly, Infinia is only great if you use Smartbuy. If you never use Smartbuy, LTF DCB is anyday better option.