SayonB@97
KF Ace
I stay in Kolkata and have only one credit card - an LTF HDFC Millenia Card. It has 2 domestic lounge accesses per quarter for all variants of the card.
They provided me with the Diners Club variant of it. The only advantage of it, that I found, is that while Mastercard or Visa variant are acceptable in only 12 Lounges in the top 5-6 Tier-1 cities of India, Diners variant is accepted in 35 lounges across many cities of India (both Tier-1 & Tier-2).
I travel often but not that I am always flying. I mostly travel by train in India; sometimes by flight.
Now, on the other hand, the issue I am facing with Diners variant is its acceptability in offline market or even online vendors. Only HDFC & Citi Bank POS machines accept my card and all others decline this. Even when I am trying to pay online, only the reputed websites are accepting this Diners card. Mostly all ask for a 16 digit card number (mine is 14 digit) and others only accept Mastercard or Visa. So this is becoming a problem for me.
From customer care, I got to know that I can switch to VISA/Mastercard free of cost. So I am thinking of switching to VISA.
I wanted to know if there is any other benefit of having a Diner's card apart from that wide range of lounge access? And what do you think about me switching to VISA?
Or is there any other solution to this problem?
I was thinking that if I had another card of Mastercard/Visa, I would keep this one. But this is my only credit card. And I have recently got this card in mid August 2023. It would not be wise to apply for another card so soon I guess (also my credit score is on the lower side ~ 680).
They provided me with the Diners Club variant of it. The only advantage of it, that I found, is that while Mastercard or Visa variant are acceptable in only 12 Lounges in the top 5-6 Tier-1 cities of India, Diners variant is accepted in 35 lounges across many cities of India (both Tier-1 & Tier-2).
I travel often but not that I am always flying. I mostly travel by train in India; sometimes by flight.
Now, on the other hand, the issue I am facing with Diners variant is its acceptability in offline market or even online vendors. Only HDFC & Citi Bank POS machines accept my card and all others decline this. Even when I am trying to pay online, only the reputed websites are accepting this Diners card. Mostly all ask for a 16 digit card number (mine is 14 digit) and others only accept Mastercard or Visa. So this is becoming a problem for me.
From customer care, I got to know that I can switch to VISA/Mastercard free of cost. So I am thinking of switching to VISA.
I wanted to know if there is any other benefit of having a Diner's card apart from that wide range of lounge access? And what do you think about me switching to VISA?
Or is there any other solution to this problem?
I was thinking that if I had another card of Mastercard/Visa, I would keep this one. But this is my only credit card. And I have recently got this card in mid August 2023. It would not be wise to apply for another card so soon I guess (also my credit score is on the lower side ~ 680).
