HDFC DCB thoughts

[meliodas]

I got HDFC DCB 2 months back, and I knew it's acceptance were bad because of "Diners", but it's really bad - not acceptable with Google, many grocery shops, even big hotels(Hyatt)

Current limit on it is 8.8L
I am in talks with my RM to get Infinia, but they are saying my salary is not enough, they offered LTF regalia.

I have my salary account in HDFC for a long time, but I'm honestly tired especially after getting to know they don't update CIBIL limit of HDFC card.

I recently got magnus, so going to move all the transactions there, but I really don't wanna pay 10k fees on my DCB, so I asked for DCB LTF, they mentioned it needs to made LTF while it's being issued, they suggested to get Regalia first and then in a couple of months they said they will try to issue LTF DCB.

HDFC is my longest credit line, so I don't want to close the credit line completely, so I guess I will take HDFC Regalia LTF for now, and see if I can upgrade in the future.

Let me know if there's something better I can do here

 

[Slayer]

Paid DCB is trash
HDFC doesn't want to gain new customers

Denied my father paid Infinia with 50L+ ITR and having 2 accounts with HDFC for over 15 years

Peak clown attitude

 

[Parky]

I got HDFC DCB 2 months back, and I knew it's acceptance were bad because of "Diners", but it's really bad - not acceptable with Google, many grocery shops, even big hotels(Hyatt)

Current limit on it is 8.8L
I am in talks with my RM to get Infinia, but they are saying my salary(2.2L) is not enough, they offered LTF regalia.

I have my salary account in HDFC for a long time, but I'm honestly tired especially after getting to know they don't update CIBIL limit of HDFC card.

I recently got magnus, so going to move all the transactions there, but I really don't wanna pay 10k fees on my DCB, so I asked for DCB LTF, they mentioned it needs to made LTF while it's being issued, they suggested to get Regalia first and then in a couple of months they said they will try to issue LTF DCB.

HDFC is my longest credit line, so I don't want to close the credit line completely, so I guess I will take HDFC Regalia LTF for now, and see if I can upgrade in the future.

Let me know if there's something better I can do here

I can completely resonate with this issue because a similar discussion happened to me as well. I think it's better to take a regalia card instead of DCB because any way you are getting Magnus card

 

[jack333]

Press harder for infinia citing acceptability issues on dcb. Mention all the places where dcb didn't work. You can search this forum to find many such merchants. Threaten to close card and shift spends to magnus. You'll surely get infinia as your limit is 8+. Mail here PriorityRedressal.CreditCards@hdfcbank.com

 

[sd.ac]

Since you got it a couple of months ago, you could just keep it for now and see how things evolve with the credit card market. Closer to the end of the year, write to HDFC again saying that you have almost no spends on the card due to poor acceptance and ask for an upgrade. If they refuse, you can always downgrade then. DCB does have offer some nice benefits...

 

[sv004]

I was also so fed up with dcp that finally switched to millenia

 

[mgforce]

Press harder for infinia citing acceptability issues on dcb. Mention all the places where dcb didn't work. You can search this forum to find many such merchants. Threaten to close card and shift spends to magnus. You'll surely get infinia as your limit is 8+. Mail here PriorityRedressal.CreditCards@hdfcbank.com

DCB to Infinia upgrade can be done only if credit limit on DCB is min 10 lakhs

Source: Personal experience. I had CL of 8L and first CL was updated and then card upgrade

cc😡vishnugt