My branch manager says, I can get it and she can try to waive this as long as she is in Hdfc, but will not commit it as LTF. Should i take this card ?
Other side of the coin is you can't hdfc Infinia without your BM.. 12500 is no biggie if u do 6-7lac per year in infinia
Spend 10L/year and 12.5k + gst fee is waved off on Infinia metal. Been using for 5y+ now. Its fun.
Your branch manager's promise seems like a sweet deal, but remember, nothing is permanent. If she leaves HDFC, you might be stuck with the fees. HDFC Infinia is a premium card, and its benefits can outweigh the fees, but it's not typically lifetime free. If you're seeking a LTF card, I'd advise looking elsewhere. Always cross-verify with customer care before making a decision.