Any chance to get a pre-approved DCB Metal as first unsecured card?

[LiamHouse]

Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.

 

[Riya Sharma]

What does anything include in your definition?

anything means itr/salary slip and required spends basically

 

[Akashn]

@Shin-Chan dekh lo aur rooo

@Akashn 🤣🤣

I know his story..

 

[Vasuki]

What does anything include in your definition?

As in what was the process

Infinia need 8 lakh limit so there has to be income criteria check or

They don't ask income or proof ( verbally ok )


Tell us the whole experience or tag the link

 

[Riya Sharma]

What does anything include in your definition?

Answer please. I am literally waiting for your answer to see if I message my HDFC RM or not lol

 

[SSV]

As in what was the process

Infinia need 8 lakh limit so there has to be income criteria check or

They don't ask income or proof ( verbally ok )


Tell us the whole experience or tag the link

Answer please. I am literally waiting for your answer to see if I message my HDFC RM or not lol

anything means itr/salary slip and required spends basically

Why are you guys so keen on the most untouchable financial product in the Indian banking landscape according to 99.9999% of the people everywhere on the internet..???

Anyway because you guys asked , here is how it works..:

Upon getting your ULIP policy,

Your RM will get:
1) income waiver
2) card variant waiver
3) Spends waiver
He will get all those approvals based on ULIP and sends your upgrade application to infinia product team for the final approval..

Enjoy

 

[Swastik]

If you buy ulip ,they'll get you Infinia anyhow ,

They'll ask your income ,credit limit, spends on existing card etc ,
But they'll take deviations for everything and get you the card

 

[Riya Sharma]

Why are you guys so keen on the most untouchable financial product in the Indian banking landscape according to 99.9999% of the people everywhere on the internet..???

Anyway because you guys asked , here is how it works..:

Upon getting your ULIP policy,

Your RM will get:
1) income waiver
2) card variant waiver
3) Spends waiver
He will get all those approvals based on ULIP and sends your upgrade application to infinia product team for the final approval..

Enjoy

very nice thank you very much

 

[Rahul Gupta]

No . .

Waht was your credit limit before and after upgrading to infinia?

 

[SSV]

Waht was your credit limit before and after upgrading to infinia?

I was a HDFC cc virgin just until one day before infinia…
They opened a MB card as a transit card to get upgraded to Infinia

My first ever HDFC CC transaction that I ever had done was on my debut HDFC CC ie HDFC Infinia Metal

 

[SSV]

very nice thank you very much

No worries Riya !!

 

[Vasuki]

Why are you guys so keen on the most untouchable financial product in the Indian banking landscape according to 99.9999% of the people everywhere on the internet..???

Anyway because you guys asked , here is how it works..:

Upon getting your ULIP policy,

Your RM will get:
1) income waiver
2) card variant waiver
3) Spends waiver
He will get all those approvals based on ULIP and sends your upgrade application to infinia product team for the final approval..

Enjoy

My fugging don't even know about INFINIA cc

 

[Shroud]

Usually upgrade .

Not really. It can be a fresh issuance as well. At the time of application, no income docs or anything else will be asked.

Ab koi ye nahi puchega ki mujhe ye sab kaise pata🤭

 

[SSV]

Not really. It can be a fresh issuance as well. At the time of application, no income docs or anything else will be asked.

Ab koi ye nahi puchega ki mujhe ye sab kaise pata🤭

Okay thanks for sharing the info ..

 

[SSV]

Not really. It can be a fresh issuance as well. At the time of application, no income docs or anything else will be asked.

Ab koi ye nahi puchega ki mujhe ye sab kaise pata🤭

@Vasuki , you got what you want ..

 

[Vasuki]

@Vasuki , you got what you want ..

My branch don't have preferred rm
Forget ulip & infinia

They don't even heard that card exist in their system

 

[Fini7777]

Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.

Don't expect that from HDFC 🤣
I have preferred ac with FDs -2 years old
forget about DCB still they did not offer me even Millennia
One way is, get a Millennia or Regalia and do some spends min 4-5L within 6 months and Request for DCB

 

[Swastik]

Not really. It can be a fresh issuance as well.

Fresh issuance does certainly happens

Infinia - Easiest way to get an Infinia Metal I've ever heard

Friend of mine called me today, he is an entrepreneur, has a startup with friends making and installing electric car chargers ,never had a credit card till now ,went upto HDFC bank Lucknow branch few weeks back to open an account with a check of 20 Lakhs and told them only if he gets an Infinia...

www.technofino.in

 

[Riya Sharma]

I've sent a message to my RM saying that, "I talked to a friend working in HDFC Hyderabad and he said that he would be willing to get me HDFC Infinia but I wanted to discuss this with you before going ahead with his offer."

Let's see what he says

 

[Riya Sharma]

Fresh issuance does certainly happens

Infinia - Easiest way to get an Infinia Metal I've ever heard

Friend of mine called me today, he is an entrepreneur, has a startup with friends making and installing electric car chargers ,never had a credit card till now ,went upto HDFC bank Lucknow branch few weeks back to open an account with a check of 20 Lakhs and told them only if he gets an Infinia...

www.technofino.in

that's actually crazy tbh. A cheque of 20 lakhs isn't even that much

 

[SSV]

Fresh issuance does certainly happens

Infinia - Easiest way to get an Infinia Metal I've ever heard

Friend of mine called me today, he is an entrepreneur, has a startup with friends making and installing electric car chargers ,never had a credit card till now ,went upto HDFC bank Lucknow branch few weeks back to open an account with a check of 20 Lakhs and told them only if he gets an Infinia...

www.technofino.in

that's actually crazy tbh. A cheque of 20 lakhs isn't even that much

I don't know what was discussed till the end of that thread.
It sounded too good to be true..
And I still believe it is too good to be true..
No offence to anyone....