Should I Upgrade from HDFC Millennia to DCB METAL?

Hey everyone,

I currently have the HDFC Millennia card and recently received an upgrade option to the Diner Club Black (FYF). I also have these cards:

  1. SBI Cashback card (Limit- 2.75L, paid)
  2. ICICI Sapphiro (Limit - 8L, LTF, but huge devaluation)

My annual spending is around 10 lakhs, and I'm trying to evaluate if this upgrade would be worth it.

Here are some other points to be considered: 1. I have an ICICI salary account but am planning to move it to HDFC soon.

  1. I don’t travel much right now, but next year I’ll be getting married, which will likely increase my travel frequency.

  2. I Dine out at least twice a week, and most of my spending is online (shopping, food, etc.).

I'd love to hear your thoughts and experiences with the DCB.

Thanks!

Hey everyone,

I currently have the HDFC Millennia card and recently received an upgrade option to the Diner Club Black (FYF). I also have these cards:

  1. SBI Cashback card (Limit- 2.75L, paid)
  2. ICICI Sapphiro (Limit - 8L, LTF, but huge devaluation)

My annual spending is around 10 lakhs, and I'm trying to evaluate if this upgrade would be worth it.

Here are some other points to be considered: 1. I have an ICICI salary account but am planning to move it to HDFC soon.

  1. I don’t travel much right now, but next year I’ll be getting married, which will likely increase my travel frequency.

  2. I Dine out at least twice a week, and most of my spending is online (shopping, food, etc.).

I'd love to hear your thoughts and experiences with the DCB.

Thanks!