Should I accept HDFC Swiggy LTF or Diners Club Privilege LTF or Millenia Credit Card LTF?

[abhitm992]

I’m having Flipkart Axis CC paid, Airtel Axis CC Paid as floating cards of 60K, my wife has Amazon pay ICICI CC LTF card of 1Lac. I’m getting offer from Swiggy HDFC, Diners Club Privilege for LTF and Regalia Gold as first year free. My annual income is around 13L. I use Airtel axis CC for broadband, electricity and gas booking. I also get 10% cashback for Swiggy and Zomato from the same card.
As these offers are of life time card, shall I accept it? Whether this life time card later becomes chargeable?
Airtel axis CC- Need 2L for waiver of premium
Flipkart axis CC - Need 3L for waiver of premium
If I take any of the above cards as it is LFT now and later if changed to chargeable, then it will be difficult to reach the minimum spending limit to waiver their annual fees.
Please suggest me.

 

[Skylar]

I’m having Flipkart Axis CC paid, Airtel Axis CC Paid as floating cards of 60K, my wife has Amazon pay ICICI CC LTF card of 1Lac. I’m getting offer from Swiggy HDFC, Diners Club Privilege for LTF and Regalia Gold as first year free. My annual income is around 13L. I use Airtel axis CC for broadband, electricity and gas booking. I also get 10% cashback for Swiggy and Zomato from the same card.
As these offers are of life time card, shall I accept it? Whether this life time card later becomes chargeable?
Airtel axis CC- Need 2L for waiver of premium
Flipkart axis CC - Need 3L for waiver of premium
If I take any of the above cards as it is LFT now and later if changed to chargeable, then it will be difficult to reach the minimum spending limit to waiver their annual fees.
Please suggest me.

Obtain the Diners Club Privilege (DCP) Lifetime Free (LTF) card first, and once you have it, apply for the SWIGGY card.

- Despite the fee, the Axis card is worth keeping as it provides more returns than the fee.

 

[abhitm992]

But DCP LTF card is giving only rewards. How and where to redeem those reward points to get more returns?

The Swiggy LTF card offer is given for smaller duration to me, i think till end of Dec 2024. So after applying DCP LTF, I need to wait for some time to apply for other card, right? Otherwise my CIBIL score may affect?

Anybody is having experience of their LTF card converted to chargeable card in later years?

One more doubt is that, I have renewed my BAJAJ FinServ Flexi Loan (Overdraft) by an offer given by BAJAJ to increase my loan limit from 5L to 13L. They have used my Credit score for renewing it. So if I apply for the DCP LTF card, will there be a major drop in my CIBIL score? Even though, will that be manageable?

 

[abhitm992]

What is your opinion and suggestions about Millenia CC and Biz Grow CC? Both cards also are there for me as LTF offer.
How many LTF cards can one use of same bank and different banks? Will that be floater in same bank?

 

[abhitm992]

Obtain the Diners Club Privilege (DCP) Lifetime Free (LTF) card first, and once you have it, apply for the SWIGGY card.

Today I got another offer of TATA Neu Infinity LTF CC.

So total, I have offers of LTF CCs are:
1. Diners Club Privilege (Core) - ends by Jan 16, 2025
2. Swiggy (Co-branded) - ends by Jan 16, 2025
3. Millenia(Core) - ends by Jan 16, 2025
4. Biz Grow(Core) - ends by Jan 16, 2025
5. Tata Neu Infinity (Co-branded) - ends by Dec31
6. Tata Neu Plus (Co-branded) - ends by Dec31

Now I'm confused which card to apply for! Please suggest me ASAP. Because these offers are for very limited time. (The dates mentioned as per Card insider page)

 

[harsh_ujjwal]

Today I got another offer of TATA Neu Infinity LTF CC.

So total, I have offers of LTF CCs are:
1. Diners Club Privilege (Core) - ends by Jan 16, 2025
2. Swiggy (Co-branded) - ends by Jan 16, 2025
3. Millenia(Core) - ends by Jan 16, 2025
4. Biz Grow(Core) - ends by Jan 16, 2025
5. Tata Neu Infinity (Co-branded) - ends by Dec31
6. Tata Neu Plus (Co-branded) - ends by Dec31

Now I'm confused which card to apply for! Please suggest me ASAP. Because these offers are for very limited time. (The dates mentioned as per Card insider page)

Apply core card first. Then go fr co-branded one.

 

[abhitm992]

Apply core card first. Then go fr co-branded one.

Why is that? I get suggestions to buy Tata Neu Infinity Card. Why did you say to get the core card?

 

[harsh_ujjwal]

Why is that? I get suggestions to buy Tata Neu Infinity Card. Why did you say to get the core card?

Yeah.. You read it right. Apply core card first. Later on it will be quite tough to get core card if you have HDFC's co- branded one

 

[amitvicky]

Today I got another offer of TATA Neu Infinity LTF CC.

So total, I have offers of LTF CCs are:
1. Diners Club Privilege (Core) - ends by Jan 16, 2025
2. Swiggy (Co-branded) - ends by Jan 16, 2025
3. Millenia(Core) - ends by Jan 16, 2025
4. Biz Grow(Core) - ends by Jan 16, 2025
5. Tata Neu Infinity (Co-branded) - ends by Dec31
6. Tata Neu Plus (Co-branded) - ends by Dec31

Now I'm confused which card to apply for! Please suggest me ASAP. Because these offers are for very limited time. (The dates mentioned as per Card insider page)

Arey waah ... Card hi cards honge...

 

[Skylar]

Today I got another offer of TATA Neu Infinity LTF CC.

So total, I have offers of LTF CCs are:
1. Diners Club Privilege (Core) - ends by Jan 16, 2025
2. Swiggy (Co-branded) - ends by Jan 16, 2025
3. Millenia(Core) - ends by Jan 16, 2025
4. Biz Grow(Core) - ends by Jan 16, 2025
5. Tata Neu Infinity (Co-branded) - ends by Dec31
6. Tata Neu Plus (Co-branded) - ends by Dec31

Now I'm confused which card to apply for! Please suggest me ASAP. Because these offers are for very limited time. (The dates mentioned as per Card insider page)

Still DCP would be the best option.

 

[Skylar]

What is your opinion and suggestions about Millenia CC and Biz Grow CC? Both cards also are there for me as LTF offer.
How many LTF cards can one use of same bank and different banks? Will that be floater in same bank?

I have two Lifetime Free (LTF) cards from HDFC.

As per the current information, HDFC allows one core card and three co-branded cards. In a few rare cases, HDFC grants high Net Relationship Value (NRV) individuals a Business Black card as a floater card, resulting in two core cards for them, but this privilege is not extended to everyone.

 

[Skylar]

But DCP LTF card is giving only rewards. How and where to redeem those reward points to get more returns?

DCP card increases your chances of receiving future upgrades to the Diners Club Black (DCB) card, whereas co-branded cards do not offer upgrade options and are intended for use with specific brands only. Obtaining a high-tier core card will enhance your chances of upgrading to the highest tier more easily. Given HDFC's reputation for issuing the same card repeatedly, it is always better to opt for a higher-tier card.

 

[abhitm992]

DCP card increases your chances of receiving future upgrades to the Diners Club Black (DCB) card, whereas co-branded cards do not offer upgrade options and are intended for use with specific brands only. Obtaining a high-tier core card will enhance your chances of upgrading to the highest tier more easily. Given HDFC's reputation for issuing the same card repeatedly, it is always better to opt for a higher-tier card.

Thank you @harsh_ujjwal and @Skylar , I applied for DCP LTF card. I also checked with ChatGPT and got same suggestion to apply for DCP card and then for Tata Neu Infinity.