Sticking with DCB Metal vs upgrading to Infinia? Confused if it’s worth pushing now.

Currently holding DCB Metal and pretty happy overall. Recently moved my salary account and will be getting HSBC Premier as well, so now I’m wondering if I should also push for an Infinia upgrade since I’m eligible.

My yearly spends are usually around 12-15L. Last 6 months on DCB crossed 10L, but honestly that was inflated because of some tax payments, so not a “normal” spend pattern every year.

My usage pattern:

- Max out Amazon vouchers regularly

- Some Flipkart (Not very heavy on the other SmartBuy vouchers. Since I mostly WFH from a tier 3 city). But I am planning explore using it more for groceries as well.

- I do have decent flight and hotel spends every year

- Dineout, Shopping, Entertainment the usual.

-No Rent as I stay in my own home

Now trying to decide between:

- Stick with DCB Metal + HSBC Premier

- Upgrade to Infinia + HSBC Premier

Things making me hesitate about Infinia:

- 18L annual spend requirement is a bit uncomfortable

- DCB milestone benefits are actually nice

- My voucher usage is mostly Amazon/Flipkart

- Not sure I’ll fully optimise Infinia enough to justify the jump

- DCB has the same reward rate for Flights/hotels via SmartBuy

Things tempting me toward Infinia:

- Better acceptance offline/online (DCB acceptance has been generally good. But still fails in some cases, especially on some Federal Bank POS machines)

- Feels relatively safer from devaluation compared to DCBM going forward

- Possible revaluation

- There’s a decent chance my spends naturally touch 18L in a few years anyway

- Infinia has always been kind of an aspirational card for me. Feels like it may become harder to get later. Worst case, I can try it for a year and downgrade back to DCB if it doesn’t make sense

PS: Also have an option to get ICICI Emeralde Private Metal, but not very excited because the miles/hotel transfer ecosystem seems weak compared to HDFC.

Do you actually feel the upgrade would be meaningfully better? Or would you suggest I pursue another card stack