ilavaeniyil
TF Buzz
Hi,
I already have Sapphiro LTF and DCB LTF. I have high value loan and hence wanted to make use of this opportunity to get higher variant card on LTF.
1. HDFC told they can give FYF Infinia metal but I asked for LTF. HDFC RM is pushing to get me Infinia LTF card.
2. ICICI told they can give Emerald private metal card but paid version for sure.
I am not into miles game and not very frequent air traveler. I have future plans (next year) for travel. As of now, mostly using DCB for online shopping (Amazon/Flipkart), hotel (stay) booking and other retail spends. Wherever DCB won't work, I am using Sapphiro. I like HDFC for simplicity in terms of rewards and ease of using rewards.
I don't want paid card even if it gives rewards back (it's not equal cash money) but I don't want to let go of my situation of this high value loan. Do you think HDFC may give Infinia as LTF? I am fine even with plastic but I have read they stopped issuing for new customers. I am not sure how feasible is Infinia metal LTF. Just taking my chances.
If I decide to take paid version, then which one should I take? If I take Emerald Private metal card, then I can easily get 750 cashback per month for paying statement bills and also I like that they giving reward points 1:1 for statement pay. With Infinia, I will miss out on this cashback per month from debit card. Ultimately both card will make it like "I don't need any further card" situation for me. I get everything including unlimited lounge access via PP. Currently, only major missing thing with DCB is non-acceptance compared to Infinia for my usage and not all lounge access is via PP (but no complains since Diners coverage is very good and enough for me to refresh & stay in layovers).
What you guys suggest? What will you do in my situation?
I already have Sapphiro LTF and DCB LTF. I have high value loan and hence wanted to make use of this opportunity to get higher variant card on LTF.
1. HDFC told they can give FYF Infinia metal but I asked for LTF. HDFC RM is pushing to get me Infinia LTF card.
2. ICICI told they can give Emerald private metal card but paid version for sure.
I am not into miles game and not very frequent air traveler. I have future plans (next year) for travel. As of now, mostly using DCB for online shopping (Amazon/Flipkart), hotel (stay) booking and other retail spends. Wherever DCB won't work, I am using Sapphiro. I like HDFC for simplicity in terms of rewards and ease of using rewards.
I don't want paid card even if it gives rewards back (it's not equal cash money) but I don't want to let go of my situation of this high value loan. Do you think HDFC may give Infinia as LTF? I am fine even with plastic but I have read they stopped issuing for new customers. I am not sure how feasible is Infinia metal LTF. Just taking my chances.
If I decide to take paid version, then which one should I take? If I take Emerald Private metal card, then I can easily get 750 cashback per month for paying statement bills and also I like that they giving reward points 1:1 for statement pay. With Infinia, I will miss out on this cashback per month from debit card. Ultimately both card will make it like "I don't need any further card" situation for me. I get everything including unlimited lounge access via PP. Currently, only major missing thing with DCB is non-acceptance compared to Infinia for my usage and not all lounge access is via PP (but no complains since Diners coverage is very good and enough for me to refresh & stay in layovers).
What you guys suggest? What will you do in my situation?
🙏
