HDFC DCB (LTF) to Infinia upgrade. Need advice

[sbatra]

My current relationship with HDFC (cc shared limit 7 lakhs) is
1. HDFC DCB (LTF) - Spends are 35-40k per month as I use other cards too. But can move all spends here.
2. HDFC Tata Neu Infinity (Paid) - but I use it for all insurance payments and some gold scheme at Mia. So annual spend reaches 3 lakhs
3. HDFC Swiggy (LTF) - Very rarely used as I live in tier 2 city and don't order food online much. Instamart and Dineout are not available. Kept it till now, because maybe I will relocate to Tier 1 city in a year or two.
3. Salary account with Rs. ~3 lakh per month and 10-15 lakhs FDs in Imperia family account.

My other cards which I use regularly:
1. Axis Atlas
2. ICICI EPM (just got it)
3. SBI Cashback

I want to upgrade to Infinia due to daily limits on the DCB plastic. But all my upgrade and limit increase requests in last two years have been rejected by the bank.

I will shift to APay (using ICICI EPM) for insurance and also got Tata Neu Infinity for my wife as backup.

My question is
1. will closing Tata Neu infinity and Swiggy card help?
2. People in Tier 1 cities, is swiggy card useful to you guys? It is worth keeping?

 

[sd.ac]

No guarantee this will work but you will need to do the following: move all spends to DCB (Diners is not accepted everywhere so I mean all spends where it is accepted). Once you have a few months of spends on the card, write and ask for a credit-limit-enhancement. You want to be at a minimum CL of 8+ but ideally close to 10L. Then after a few months you can write and ask for the upgrade. Even then things look unclear - because of some recent changes people have been posting about here but the steps I outline would be the bare minimum to be able to hope (ha ha).

 

[Aniket Sharma]

No guarantee this will work but you will need to do the following: move all spends to DCB (Diners is not accepted everywhere so I mean all spends where it is accepted). Once you have a few months of spends on the card, write and ask for a credit-limit-enhancement. You want to be at a minimum CL of 8+ but ideally close to 10L. Then after a few months you can write and ask for the upgrade. Even then things look unclear - because of some recent changes people have been posting about here but the steps I outline would be the bare minimum to be able to hope (ha ha).

This will also not work.

In mid of this year

The criteria was also revised again & again.

The criteria for now is unknown but previously it was 12 lacs CL & 10 Lacs Spends.

 

[moglibhai]

My current relationship with HDFC (cc shared limit 7 lakhs) is
1. HDFC DCB (LTF) - Spends are 35-40k per month as I use other cards too. But can move all spends here.
2. HDFC Tata Neu Infinity (Paid) - but I use it for all insurance payments and some gold scheme at Mia. So annual spend reaches 3 lakhs
3. HDFC Swiggy (LTF) - Very rarely used as I live in tier 2 city and don't order food online much. Instamart and Dineout are not available. Kept it till now, because maybe I will relocate to Tier 1 city in a year or two.
3. Salary account with Rs. ~3 lakh per month and 10-15 lakhs FDs in Imperia family account.

My other cards which I use regularly:
1. Axis Atlas
2. ICICI EPM (just got it)
3. SBI Cashback

I want to upgrade to Infinia due to daily limits on the DCB plastic. But all my upgrade and limit increase requests in last two years have been rejected by the bank.

I will shift to APay (using ICICI EPM) for insurance and also got Tata Neu Infinity for my wife as backup.

My question is
1. will closing Tata Neu infinity and Swiggy card help?
2. People in Tier 1 cities, is swiggy card useful to you guys? It is worth keeping?

Reply to 2-

I'm currently residing in Delhi and for me, the Swiggy HDFC card has been a total saviour — especially for grocery shopping. I usually spend around ₹10K+ monthly on groceries, and I’ve noticed that Swiggy Instamart prices are quite close to local market rates and in few cases I got much lower prices compared to market with additonal offers.

With this card, I get 10% cashback on Instamart orders, with a cap of ₹1500 per month, which I consistently hit. On top of that, the card also gives 5% cashback on select merchants like Amazon, Flipkart, etc., with a separate ₹1500 cap — so that’s additional savings if you use it smartly.

In my case, I easily save around ₹1500 a month just on groceries and saving since last 4 months, so for anyone who orders regularly from Swiggy/Instamart, especially in Tier 1 cities, this card is definitely worth keeping.

 

[sd.ac]

This will also not work.

In mid of this year

The criteria was also revised again & again.

The criteria for now is unknown but previously it was 12 lacs CL & 10 Lacs Spends.

I will disagree with this. HDFC does not make the rules for Infinia clear - it's confusing at best. This means that a lot depends on their perception of the applicant and for account holders, the RM, BM etc. I would hesitate to make sweeping statements since for every 10 posts about how an upgrade was denied, there is 1 post saying it was successful (without the salary requirement). My recommendation is to always ensure that you are in the right ballpark - high CL and spends - and then ask for upgrades and follow up on them.
My own journey: Regalia --> paid DCB --> Metal Infinia --> LTF DCB --> Metal Infinia --> Plastic Infinia
does not make a whole lot of sense but it was actually a logical journey - for me (and I didn't have much of a relationship with HDFC during all this). In short, each user's experience is unique...