If anybody is still interested in LTF DCB, just speak to your RM. Press him for this…
I got this card, when RM offered it upfront!!, I still remember his words; “Sir, yeh card sabko dete nahi hai, aapko mil raha hai, aap lelo!!” 😁 He probably was speaking truth & wasn’t making it up! This was in 2021.
Maybe I got lucky, cos I’m not a heavy spender. I don’t satisfy most of the Spend criteria mentioned in the original post 😁. I just had a long relationship with HDFC bank (acct holder since 2006!), may that’s why they offered it LTF.