Need Suggestion on Diners Black Metal to Infinia Metal Upgrade

[kchapre]

Hey everyone, I'm feeling quite puzzled and would love to get some advice from the community. I've been using the DCB Metal Credit Card for about 1.2 years now.I received it as a FYF upgrade from my Regalia credit card after spending nearly 5.5 Lacs in the last 6 months and reaching out to grievance redressal for the upgrade(I had 10.25L credit limit). Since then, I've been using this DCB card for almost all my purchases and have managed to accumulate a total annual spend of 8-9 lacs to qualify for the annual fee waiver. Additionally, I have some significant insurance premiums to pay in the April to June quarter, which allows me to earn 10K milestone benefit reward points on my DCB card. I took advantage of this milestone benefit in both 2024 and 2025, but for the rest of the year, my spending isn't as high. However, I still find a way to reach the 8L spend threshold.
Recently, I noticed the FYF Infinia Metal upgrade offer. Initially, I was thrilled, it felt like a dream come true, but after some reflection, I'm really torn about whether to proceed with the upgrade or not.
Here are my main concerns that are making me second-guess the upgrade -

1. Increased fee and waiver criteria - I know I can spend 8 Lacs, but I'm uncertain if I can exceed the 10 Lacs spend threshold (maybe I could in a couple of years with inflation and increased purchasing power, but not right now). Even if I earn 12,500 reward points, I would be losing out on 2.5K GST.
2. 10K Reward points and DCBM milestone benefit - I would definitely lose these since Infinia doesn't offer any milestone benefits.
3. Domestic Lounge Network - DCB certainly provides better lounge access compared to Infinia, and with rumors suggesting that Priority Pass will only cover international lounges with Infinia, the lounge options available with the Infinia card would be quite limited.

Here are some points that I believe support Infinia Metal -

1. 5X Reward points on Giftr compared to 3X, which translates to an additional 6.5% return overall.
2. The Monthly Reward limit on Smartbuy is 15K instead of 10K - that's an extra 5k benefit each month. However, I have only managed to exhaust my 10K Smartbuy limit on my DCBM once(or twice) so far.
3. There is better Global Network Acceptance - I have never encountered any issues using my Diners card in India, but I've heard it struggles with acceptance overseas.
4. Any other benefits which I am not aware, please enlighten me !!

I'm reaching out because I am new to card game and want to gather opinions from community members. I'm trying to determine if this upgrade will be worthwhile in the long run. Additionally, I'm concerned that if I pass on this opportunity now, I might miss out on the upgrade in the future. I've made a total of 8-9 lacs in purchases over the last six months due to some personal expenses, but I know that this level of spending may not always continue.

 

[Indrajeet100]

Hey everyone, I'm feeling quite puzzled and would love to get some advice from the community. I've been using the DCB Metal Credit Card for about 1.2 years now.I received it as a FYF upgrade from my Regalia credit card after spending nearly 5.5 Lacs in the last 6 months and reaching out to grievance redressal for the upgrade(I had 10.25L credit limit). Since then, I've been using this DCB card for almost all my purchases and have managed to accumulate a total annual spend of 8-9 lacs to qualify for the annual fee waiver. Additionally, I have some significant insurance premiums to pay in the April to June quarter, which allows me to earn 10K milestone benefit reward points on my DCB card. I took advantage of this milestone benefit in both 2024 and 2025, but for the rest of the year, my spending isn't as high. However, I still find a way to reach the 8L spend threshold.
Recently, I noticed the FYF Infinia Metal upgrade offer. Initially, I was thrilled, it felt like a dream come true, but after some reflection, I'm really torn about whether to proceed with the upgrade or not.
Here are my main concerns that are making me second-guess the upgrade -

1. Increased fee and waiver criteria - I know I can spend 8 Lacs, but I'm uncertain if I can exceed the 10 Lacs spend threshold (maybe I could in a couple of years with inflation and increased purchasing power, but not right now). Even if I earn 12,500 reward points, I would be losing out on 2.5K GST.
2. 10K Reward points and DCBM milestone benefit - I would definitely lose these since Infinia doesn't offer any milestone benefits.
3. Domestic Lounge Network - DCB certainly provides better lounge access compared to Infinia, and with rumors suggesting that Priority Pass will only cover international lounges with Infinia, the lounge options available with the Infinia card would be quite limited.

Here are some points that I believe support Infinia Metal -

1. 5X Reward points on Giftr compared to 3X, which translates to an additional 6.5% return overall.
2. The Monthly Reward limit on Smartbuy is 15K instead of 10K - that's an extra 5k benefit each month. However, I have only managed to exhaust my 10K Smartbuy limit on my DCBM once(or twice) so far.
3. There is better Global Network Acceptance - I have never encountered any issues using my Diners card in India, but I've heard it struggles with acceptance overseas.
4. Any other benefits which I am not aware, please enlighten me !!

I'm reaching out because I am new to card game and want to gather opinions from community members. I'm trying to determine if this upgrade will be worthwhile in the long run. Additionally, I'm concerned that if I pass on this opportunity now, I might miss out on the upgrade in the future. I've made a total of 8-9 lacs in purchases over the last six months due to some personal expenses, but I know that this level of spending may not always continue.

If you are not hitting quarterly milestone in more than 2 quarters and having decent smartbuy voucher purchase, go ahead and take upgrade. If one can do 8lacs, 10lacs should not be that big difference and in any case you are barely hitting 8lacs you are probably getting milestone only in one quarter probably.