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?

 

[Saral]

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.

points value is 1:1rs only in flight/hotel booking..where did u check 93p?

 

[Avatar Aang]

points value is 1:1rs only in flight/hotel booking..where did u check 93p?

I know the redemption happens at 1:1.
I said practically it's not 1:1. I prefer getting upfront discount than getting reward points.
Consider the following scenario you want to book a flight which is for 10K. You get upfront discount of 10% on CC (as per the offer available)
On Smartbuy you redeem 7K points but need to pay 3K in Cash.
So 9K Cash = 3K cash +7K points.
That's not a perfect example but the point is practically 1 Infinia point < 1Rs.

 

[Kabir_1112]

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

My spends are mostly non smart buy based. For flight and hotel booking I usually book it via OTA websites because of the deals and discounts. I have hardly ever faced acceptance issue for Diners and plus it's LTF and with the card I get access to lounges.