DCB Metal Plan from scratch

[nikhilk]

I had a Swiggy card. Tried to upgrade to DCBM via priority redressal as I met salary criteria, but they denied
Probable reasons:
1. Non core to core upgrade
2. Spend criteria (Spent only 15K/month on that due to Swiggy limitations)

So i deactivated my Swiggy card in Aug. My Salary A/C is with them.
After a month, i checked for eligibility and found that a Diners club card (Not the black one) was there (purple).

My question is can I now get a DCBM directly via other means, or do i need to grind on another core card and meet spending criteria + salary criteria?

Side note : RM is not of much help here.

 

[Kabir_1112]

Now hdfc is mostly upgrading core cards and not the co branded cards.

 

[Aniket Sharma]

I had a Swiggy card. Tried to upgrade to DCBM via priority redressal as I met salary criteria, but they denied
Probable reasons:
1. Non core to core upgrade
2. Spend criteria (Spent only 15K/month on that due to Swiggy limitations)

So i deactivated my Swiggy card in Aug. My Salary A/C is with them.
After a month, i checked for eligibility and found that a Diners club card (Not the black one) was there (purple).

My question is can I now get a DCBM directly via other means, or do i need to grind on another core card and meet spending criteria + salary criteria?

Side note : RM is not of much help here.

Wait 6 months

 

[ashwinikumar900]

I had a Swiggy card. Tried to upgrade to DCBM via priority redressal as I met salary criteria, but they denied
Probable reasons:
1. Non core to core upgrade
2. Spend criteria (Spent only 15K/month on that due to Swiggy limitations)

So i deactivated my Swiggy card in Aug. My Salary A/C is with them.
After a month, i checked for eligibility and found that a Diners club card (Not the black one) was there (purple).

My question is can I now get a DCBM directly via other means, or do i need to grind on another core card and meet spending criteria + salary criteria?

Side note : RM is not of much help here.

First, confirm what the waiting period is for a fresh card application before applying for a new one.

I think you made a mistake in closing the Swiggy card; there was no need for that. You would have directly applied for the fresh DCBM offline or online, since you meet the salary criteria. now you may have to wait for the cooling period to get over.

Apply directly for DCBM, offline or online, get the application number, and when they reject it, mail the grievance team with the application number and your salary slip; they will approve it.

 

[nikhilk]

I can already choose eligible cards. DCB would be available for those who meet spend or salary criteria. since my spends on HDFC are 0 now as I dont have a CC with them, how will they

First, confirm what the waiting period is for a fresh card application before applying for a new one.

I think you made a mistake in closing the Swiggy card; there was no need for that. You would have directly applied for the fresh DCBM offline or online, since you meet the salary criteria. now you may have to wait for the cooling period to get over.

Apply directly for DCBM, offline or online, get the application number, and when they reject it, mail the grievance team with the application number and your salary slip; they will approve it.

I had the Swiggy card , met the salary criteria , still got rejected , so I decided to get rid of the card , assuming I didn't meet the spend criteria if any , now since I don't have the Swiggy , i gto rid of 2 roadblocks , spend criteria (no hdfc cc left) and co brand to brand limitations . I did not find a fixed cooldown period for retrying anywhere, and my credit scores are in the good category. So i reached out to a branch today and they said get the salary slips printed , I will ask them again if I should wait or try with an offline application , my understanding if that if the cooldown period was not over , I would not have seen cards in my offer section online, it was not showing a month back (no offers for you) but it did show now , let's see what happens

 

[BK7]

Why was this thread posted as a Wiki? 🤷‍♂️

 

[navdeep22]

I had a Swiggy card. Tried to upgrade to DCBM via priority redressal as I met salary criteria, but they denied
Probable reasons:
1. Non core to core upgrade
2. Spend criteria (Spent only 15K/month on that due to Swiggy limitations)

So i deactivated my Swiggy card in Aug. My Salary A/C is with them.
After a month, i checked for eligibility and found that a Diners club card (Not the black one) was there (purple).

My question is can I now get a DCBM directly via other means, or do i need to grind on another core card and meet spending criteria + salary criteria?

Side note : RM is not of much help here.

I can already choose eligible cards. DCB would be available for those who meet spend or salary criteria. since my spends on HDFC are 0 now as I dont have a CC with them, how will they

I had the Swiggy card , met the salary criteria , still got rejected , so I decided to get rid of the card , assuming I didn't meet the spend criteria if any , now since I don't have the Swiggy , i gto rid of 2 roadblocks , spend criteria (no hdfc cc left) and co brand to brand limitations . I did not find a fixed cooldown period for retrying anywhere, and my credit scores are in the good category. So i reached out to a branch today and they said get the salary slips printed , I will ask them again if I should wait or try with an offline application , my understanding if that if the cooldown period was not over , I would not have seen cards in my offer section online, it was not showing a month back (no offers for you) but it did show now , let's see what happens

They are asking for salary criteria and spends criteria both, denied me based on just Salary

 

[Avatar Aang]

They are asking for salary criteria and spends criteria both, denied me based on just Salary

What's you existing CL??

 

[nikhilk]

They are asking for salary criteria and spends criteria both, denied me based on just Salary

This is exactly why I deactivated the Swiggy card , no way I was going to meet spend criteria on that card when I don't spend more than 10k on it , now I will try to get it solely based on salary criteria as I deactivated all my hdfc cards. Let's see what happens, I will update here

 

[nikhilk]

Why was this thread posted as a Wiki? 🤷‍♂️

I have no clue

 

[navdeep22]

What's you existing CL??

5L and they have mentioned limit required for DCBM is 5L in email itself

 

[Aniket Sharma]

They are asking for salary criteria and spends criteria both, denied me based on just Salary

Bro, tell them you need to upgrade your card only and don't want to increase the CL

 

[HumorSimpson]

Title sounded like 'got a scratch on metal plane' 😆

 

[navdeep22]

Bro, tell them you need to upgrade your card only and don't want to increase the CL

Will try that too, they take 7 days to reply 😂

 

[gargmolik]

If I may suggest a workaround, as per my personal experience (With my father's card), go for paper application with your RM's recommendation. It worked for my father's card upgrade to Regalia Gold and then to Infinia Metal without even meeting the ITR criteria or the spending criteria.

 

[Avatar Aang]

If I may suggest a workaround, as per my personal experience (With my father's card), go for paper application with your RM's recommendation. It worked for my father's card upgrade to Regalia Gold and then to Infinia Metal without even meeting the ITR criteria or the spending criteria.

Please share a detailed story along with TRV etc for better understanding of fellow TFCians

 

[gargmolik]

Please share a detailed story along with TRV etc for better understanding of fellow TFCians

Sure.
So, the story is:
1. My father holds no TRV with the bank at all only a rusted savings account with 10,000 balance which we opened 2 years back.
2. He is a HDFC Credit card user since 2012 but they never upgraded his card since 2016 (Regalia that old one) only increased his limit to 5L (still 5L as of today).
3. After trying multiple times online, they didn't upgraded, increased limit and/or allowed multiple card.
4. Very recently, I added him in our family banking (Imperia) and got assigned a local branch RM. He is still not maintaining anything in his account or in his name with HDFC.
5. I told the RM to apply for Regalia Gold, he said not possible on my father's ITR (7L). I just convinced him to do it as I read this workaround in some forums and of course (Chatgpt).
6. He went with the paper application last year, it took more than 21 days and it got approved and the old rusted Regalia got deactivated.
7. We did the same this year start as well and surprisingly, we now have an Infinia Metal with 5L limit.
Lesson Learned: Go with the paper application with HDFC Bank. They are more flexible than they show.

 

[neo.puneet]

Infinia Metal with 5L limit

w o w

 

[MURUGESH]

he got nice RM

 

[Avatar Aang]

Sure.
So, the story is:
1. My father holds no TRV with the bank at all only a rusted savings account with 10,000 balance which we opened 2 years back.
2. He is a HDFC Credit card user since 2012 but they never upgraded his card since 2016 (Regalia that old one) only increased his limit to 5L (still 5L as of today).
3. After trying multiple times online, they didn't upgraded, increased limit and/or allowed multiple card.
4. Very recently, I added him in our family banking (Imperia) and got assigned a local branch RM. He is still not maintaining anything in his account or in his name with HDFC.
5. I told the RM to apply for Regalia Gold, he said not possible on my father's ITR (7L). I just convinced him to do it as I read this workaround in some forums and of course (Chatgpt).
6. He went with the paper application last year, it took more than 21 days and it got approved and the old rusted Regalia got deactivated.
7. We did the same this year start as well and surprisingly, we now have an Infinia Metal with 5L limit.
Lesson Learned: Go with the paper application with HDFC Bank. They are more flexible than they show.

Great! That's an amazing journey.
I know people who have got infinia with CL less than 8L.
But getting it without meeting the Salary or Spends criteria is something new.
When did he get Infinia??