NEW HDFC Diners Club Metal Credit Card Vs Infinia? Find out the best card

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The new Hdfc diners club metal credit card is creating waves. Find out which is the best card.

[@dugarniraj]

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[@reverseswing8649]

As an Infinia Enthusiast, this card seems good to me. I have 7 lakh limit on my DCB card with last 6 months spending around 6.5 lakh. Applied to DCB Metal via email upgrade & it’s approved. What are the chances of getting an enhanced limit on the new card?

[@bakultrivedi7448]

Could not follow the conversation clearly as you keep on using "this" card, which one are you referring ? Also, comparison chart could have helped as well

[@dugarniraj]

thanks for feedback

[@pratik6102]

Is rent transaction through third party apps considered for quarterly milestone and 8L fee waver criteria? As far as I know rent transactions are not considered for rewards but I’m unsure of milestone benefits.

[@sulogno]

If youre into golf then it perfectly justifies..

[@satvikkhare1844]

Should I do my spends on Amex Platinum travel or dinersclub black?

[@ekussingh6086]

i have infinia should i go for this too milestone benefit is good because i have only three good earning cards which are atlas plat travel and vistara infinite all other good cards dont get me many points

[@dugarniraj]

You already have great set of cards

[@TheApache47]

Hi Niraj, Thanks for the video. My gst payment per month is about 95000 inr. What will be rewards benefit in biz black?

[@dugarniraj]

16.6% on expense upto 57k approx 3.3% thereafter

[@itsds.]

will exclusion list such as wallet transaction, government transaction part of milestone calculation ?

[@shashishah8195]

what about the income tax GST payment benefits???

[@dugarniraj]

See hdfc biz black video

[@Mysteria23]

Can you do HDFC Diners Black Metal Card vs Axis Magnus Card comparison?

[@1989hemantrajput]

how do I get infinia card, as I don't have hdfc account and infinia is invite only card

[@dugarniraj]

I have shared how I got hdfc Marriott card in my last video. You can try that

[@spyar1]

Hi Niraj. Plz tell me about hdfc dcb metal card acceptance in india

[@TheNaveid]

10k we can get in all 4 quaters if we spend 4 lakhs ?

[@mihirshah8749]

Which card is better, Hdfc Infinitia or Kotak white reserve metal ?

[@AnshumanAS-GST]

Why do you say infinia is better than dcb metal ? I spend 4 laks every quarter

[@piyushdatani8576]

I have been told that my joining fee for 1st year will be removed if i spend 1.5L in first 90 days. Is that true?

[@dugarniraj]

You can always check the terms online it’s pretty standard

[@ranchoddasshayamaldaschaje5107]

Can I have both the cards at the same time? DCB metal & INFINIA both, currently I'm having INFINIA card. COuld I get DCB metal as well?

[@dugarniraj]

Yes. HDFC gives more than one card

[@surajhk31]

Don't be too greedy. People are struggling to get infinia, let them get this card.

[@amansurana3600]

Hi Niraj I saw your video where you mentioned you use this card as your primary card, can you please clarify if this card is accepted by all the vendors in India??

[@dugarniraj]

I use infinia. Not dcb

[@amishshah6403]

I own old DCB card...i am due for renewal in december 2023...will i be charged 10k as fees if i dont spend 8L pa...currently i have lifetime free CC

[@dugarniraj]

Yes it won’t be LTF

[@saumitrapandey]

Did not get what you mean by "1 point will get you a reward rate of 1.8₹" wrt Accor redemption?

[@dugarniraj]

1 point is worth 1.8 rupees. If a room night costs 1800, you pay 1000 points

[@vipul.bhowar]

I own a DCB old one how should i upgrade to DCB metal

[@abhilash1715]

You should get a preapproved offer for an upgrade. Just wait it out or while renewal ask them for a metal variant. Coz ideally PVC is discontinued, ideally after a certain point if you request for a block and replace greater chances are you get a metal version.

[@pranayk37]

No. Don't do it. 10k fee isn't worth it in my opinion unless you're spending 8L+

[@mahekshah465]

Hi Niraj, i end up spending about 25 lakhs a year on my dcb plastic, hence achieving 4 lakhs spend a quarter isn't a problem. Most spends are not on accelerated rewards, just retail, school fees and insurance spends. Considering i can achieve 40000 additional rewards for the quarterly bonus and not having too many spends on accelerated rewards, should i get the diners metal or infinia (both of which i have got approved for)? Thanks in advance.

[@dugarniraj]

Why not Amex plat travel?

[@Onlystudynoname]

Same situation here I think I can extract more rewards from dcb metal rather than infinia as a spending of 15-20 lakh annually.

[@gampi11]

which status in Marriott membership?

[@dugarniraj]

I have gold

[@akshaydutta4551]

Do you get reward points on utility payments in infinia?

[@dugarniraj]

Not directly. Buy amazon pay

[@athiest2007]

I have DCB plastic. But my spends dont touch 8 lk. So this metal one is not making sense how to get infinia. I have 10 lk limit on the dcb plastic

[@dugarniraj]

write to Hdfc and ask for upgrade on C2C basis

[@Aiuniqreate]

Hello. Niraj, i have a quick question regarding Infinia and hope you can help out since you own one. As you are aware, the joining fee for infinia is 12.5k + GST and incase we are not meeting 3 lakh transaction criteria within 90 days, joining fee needs to be paid. Is it true that entire 12500 reward points will be credited to the account ( which ideally means that we end up paying just the GST ) or is there some other criteria which will decide how many reward points will be credited ?

[@JigarBaua]

Full 12500 points are credited... just need to pay GST

[@NikhilGarg-ty2wi]

Any link with tnc which states utility payment yields no points in dbc metal ?

[@dugarniraj]

www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Credit%20Cards/Super%20Premium/Diners%20Club%20Black%20Metal%20Edition/Rewards-TnC-Diners-Black-Metal.pdf

[@user-lb1tf6mg5w]

I have a DCB currently and I usually cross 8L in a year. Is it worth upgrading to the metal card or not?

[@ashwinshyam]

maybe you should try to get infinia instead

[@navneetkrc]

My hdfc representative asked me to spend 6+ lakhs in 6 months for me to be upgraded to Infinia If I am not able to get Infinia I am thinking of getting DCB, but is it good enough??

[@9870772434]

I was holding the dcb plastic card and I upgraded it to metal. To be very frank it's my worst decision. There is no logic behind the card. No annular benefits... No monthly benefits. Who in the world will spend 4L in quarter on regualr basis... I will cancel my card soon.. N would better go for infinia

[@dugarniraj]

Seems like you didn’t research enough 😊

[@mukeshbhadu1]

You mentioned no RPs on utility bills. But I'm get RPs for utility payment on my dcb. Will I lose that if I upgrade to this card?

[@NikhilGarg-ty2wi]

I did not find this info anywhere else. Only this video where it mentions no Rp for utility spend.

[@dugarniraj]

www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Credit%20Cards/Super%20Premium/Diners%20Club%20Black%20Metal%20Edition/Rewards-TnC-Diners-Black-Metal.pdf

[@dugarniraj]

www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Credit%20Cards/Super%20Premium/Diners%20Club%20Black%20Metal%20Edition/Rewards-TnC-Diners-Black-Metal.pdf

[@anirudhganwal06]

@@dugarniraj Can you please highlight which line of this above document states no RPs on utility bills?

[@harishrajora6453]

Is this better than Regalia Gold?

[@9954406320]

Far better than Regalia gold ,,,, Regalia gold is a Premium credit card and DCB is the Super premium credit card.

[@pranayk37]

Not worth upgrading a LTF DCB to a metal DCB

[@gauravanand3009]

Hey You also have a channel. I am subscriber🎉

[@sumitchaudhary343]

Wish there was any card from hdfc to compete with sbi cashback and axis ace. Unfortunately all cards from hdfc are shit now. Only one to have is regalia gold for only lounge access

[@Ashishpowar199]

Rather than just speaking in the air, make some ppt template or something and try to explain in nice manner. You are just in front of camera and speaking speaking. You understand your concepts and credit card details but as audience couldn’t hold up this much of information. Add some text to your video. Take efforts. Unsubscribing you for now.

[@dugarniraj]

You do know that I don’t get paid anything for what I do here? Ever thought about how much value my time holds? Lol. Thank you for taking the effort to unsubscribe. You could have also said - hey niraj. I know that this doesn’t make you any money. If you have any subscription or patreon, I’d be happy to contribute.

[@qwererf]

@@dugarniraj I have subscribed you. I feel only content matters

[@manaalnijhawan]

Axis Atlas vs HDFC DCB Black?

[@dugarniraj]

Atlas

[@Karan-bb4ts]

Card chhod baal uga le

[@dugarniraj]

Lol. Any tips? Do you have KZbin channel that talks about hair growth?

[@MohithKalyanPulivendula]

Put more effort on editing. people don't want to watch anyone's face. only way for you to grow. Images, text in image form... goes a long way

[@dugarniraj]

Are you a content creator too?

[@hritik5792]

No fuel surcharge waiver here man...don't misguide

[@dugarniraj]

Give your source

[@rajeev4630]

Yeah, even I didn’t see fuel surcharge benefit in the dcb metal features page.