DCB HDFC not enhancing credit limit

[Vas2398]

Hi,

I have salary account with HDFC from last 15 years. (current sal ~2.5L per month).
I got DCB privilege 2 years ago but I couldnt use it much as Diners was not so acceptable in my town.They decreased limit from 6.95 to 5.6 automatically last July.
Last December, they upgraded it to DCB Metal card as FYF.
Now I am in a city and using more than a lakh per month from past 6 months.(crossed 5 lakh in last 2 months).
After reading the benfits of infinia on Technofino, I thought of getting infinia. As a first step I asked for limit enhancement on my DCB first to 8 lakhs(since I spent 5 lakhs in 2 months). But they are saying I am not eligible.
I sent mail to escalations.hdfc with salary slips but they are saying I have enough limit.

Pleas let me know what I can do to increase limit.
(Relationship with HDFC
1. HDFC term insurance
2. Loan on credit card taken due to emergency
3.Personal loan on HDFC(closed)
4. Salary from 15 years)

My RM calls me every week but I stopped accepting the calls as they are asking me to take FD, personal loans etc.


Thanks,

 

[cesc007]

Utilization + salary plays the role for increase in limit, maybe try contacting cc as well to understand more

 

[_ayush]

For infinia you need 9L spends in last 6 months and 8L credit limit. This is the new eligibility criteria. They will not offer Infinia on 5L spends. Maybe 7.5L spends in last 6 months could work.

You can ask them for manual limit enhancement. Even then if it doesn't reach 8L, you can do FD lein to increase the limit if you really want infinia.

 

[GGGGGG]

For infinia you need 9L spends in last 6 months and 8L credit limit. This is the new eligibility criteria. They will not offer Infinia on 5L spends. Maybe 7.5L spends in last 6 months could work.

You can ask them for manual limit enhancement. Even then if it doesn't reach 8L, you can do FD lein to increase the limit if you really want infinia.

If credit limit has to be increased by 3 lac, then should FD be of same amount?

 

[_ayush]

They increase the limit by 80% of FD amount. So 4L FD would get you 3.2L LE.

 

[aniketkr.sharma]

Hi,

I have salary account with HDFC from last 15 years. (current sal ~2.5L per month).
I got DCB privilege 2 years ago but I couldnt use it much as Diners was not so acceptable in my town.They decreased limit from 6.95 to 5.6 automatically last July.
Last December, they upgraded it to DCB Metal card as FYF.
Now I am in a city and using more than a lakh per month from past 6 months.(crossed 5 lakh in last 2 months).
After reading the benfits of infinia on Technofino, I thought of getting infinia. As a first step I asked for limit enhancement on my DCB first to 8 lakhs(since I spent 5 lakhs in 2 months). But they are saying I am not eligible.
I sent mail to escalations.hdfc with salary slips but they are saying I have enough limit.

Pleas let me know what I can do to increase limit.
(Relationship with HDFC
1. HDFC term insurance
2. Loan on credit card taken due to emergency
3.Personal loan on HDFC(closed)
4. Salary from 15 years)

My RM calls me every week but I stopped accepting the calls as they are asking me to take FD, personal loans etc.


Thanks,

Firstly close your loan on credit card and then will try to reach for manual LE as loan on credit card and limit of credit card both are unsecured and this is stopping your auto LE

 

[Nishan11]

HDFC manual limit enhancement can be disappointing and time consuming experience.
Their grievance, priority and Bhanu will keep finding ways to reject your request.

Me and my spouse both don't have salary account with HDFC. Both are central govt officers, I have slightly higher salary then her & better cibil than her. Still she has INFINIA METAL with 21L limit. I have Tata Neu Infinity & Marriott with 5L limit. 😄

Our usage on HDFC cards are mostly idential as most are for travel, hotel, groceries or investment purposes.

Still no manual LE or Auto LE for me. I don't understand their pattern and I have given up requesting them. She keeps getting LE every year.

 

[aniketkr.sharma]

HDFC manual limit enhancement can be disappointing and time consuming experience.
Their grievance, priority and Bhanu will keep finding ways to reject your request.

Me and my spouse both don't have salary account with HDFC. Both are central govt officers, I have slightly higher salary then her & better cibil than her. Still she has INFINIA METAL with 21L limit. I have Tata Neu Infinity & Marriott with 5L limit. 😄

Our usage on HDFC cards are mostly idential as most are for travel, hotel, groceries or investment purposes.

Still no manual LE or Auto LE for me. I don't understand their pattern and I have given up requesting them. She keeps getting LE every year.

Purely unpredictable 🤣

 

[Vas2398]

Firstly close your loan on credit card and then will try to reach for manual LE as loan on credit card and limit of credit card both are unsecured and this is stopping your auto LE

I will check if there are prepayment charges and close it. Thanks

 

[bhavik886151]

For infinia you need 9L spends in last 6 months and 8L credit limit. This is the new eligibility criteria. They will not offer Infinia on 5L spends. Maybe 7.5L spends in last 6 months could work.

You can ask them for manual limit enhancement. Even then if it doesn't reach 8L, you can do FD lein to increase the limit if you really want infinia.

These much spend on any card is eligible for the Infinia or these spend on HDFC card only consider for infinia

 

[Dobbiee]

HDFC manual limit enhancement can be disappointing and time consuming experience.
Their grievance, priority and Bhanu will keep finding ways to reject your request.

Me and my spouse both don't have salary account with HDFC. Both are central govt officers, I have slightly higher salary then her & better cibil than her. Still she has INFINIA METAL with 21L limit. I have Tata Neu Infinity & Marriott with 5L limit. 😄

Our usage on HDFC cards are mostly idential as most are for travel, hotel, groceries or investment purposes.

Still no manual LE or Auto LE for me. I don't understand their pattern and I have given up requesting them. She keeps getting LE every year.

Things to check at your end:
1. Do you have a core credit card of HDFC. (This would help in faster upgrades).
2. Does your spouse keep much more money in Account, FD and investments, compared to you. (This can trigger auto limit enhancements).
3. Any loans going on in your name.
4. Longer history of banking with HDFC.
5. Type of corporate tie-up with the organization.

There would surely be some differences between your and your spouse relationship with HDFC.
Do identify those and guide all about it here.

 

[_ayush]

These much spend on any card is eligible for the Infinia or these spend on HDFC card only consider for infinia

hdfc is preferrable. very few have received on other card spends. for me they denied other card spends.

 

[R@J]

HDFC manual limit enhancement can be disappointing and time consuming experience.
Their grievance, priority and Bhanu will keep finding ways to reject your request.

Me and my spouse both don't have salary account with HDFC. Both are central govt officers, I have slightly higher salary then her & better cibil than her. Still she has INFINIA METAL with 21L limit. I have Tata Neu Infinity & Marriott with 5L limit. 😄

Our usage on HDFC cards are mostly idential as most are for travel, hotel, groceries or investment purposes.

Still no manual LE or Auto LE for me. I don't understand their pattern and I have given up requesting them. She keeps getting LE every year.

I have noticed that once you get more than one card from HDFC (1 core + floater)...they stop giving generous LEs. there are very few cases where people have got LE, if they had 2 cards......while single core card holders still get a LE once in a year or so.

Note: it is basis purely my observation

 

[shu_sha]

Hi,

I have salary account with HDFC from last 15 years. (current sal ~2.5L per month).
I got DCB privilege 2 years ago but I couldnt use it much as Diners was not so acceptable in my town.They decreased limit from 6.95 to 5.6 automatically last July.
Last December, they upgraded it to DCB Metal card as FYF.
Now I am in a city and using more than a lakh per month from past 6 months.(crossed 5 lakh in last 2 months).
After reading the benfits of infinia on Technofino, I thought of getting infinia. As a first step I asked for limit enhancement on my DCB first to 8 lakhs(since I spent 5 lakhs in 2 months). But they are saying I am not eligible.
I sent mail to escalations.hdfc with salary slips but they are saying I have enough limit.

Pleas let me know what I can do to increase limit.
(Relationship with HDFC
1. HDFC term insurance
2. Loan on credit card taken due to emergency
3.Personal loan on HDFC(closed)
4. Salary from 15 years)

My RM calls me every week but I stopped accepting the calls as they are asking me to take FD, personal loans etc.


Thanks,

Mail to pno and tell them if this kind of service I am getting for my 15 years of relationship with HDFC then I'll say good bye and will close all of my relationship with you and will move on with some top tier bankers.

Chances are more if you threatened them

 

[jhanishdev]

HDFC maybe the largest bank of India but it is just another PSU which lacks customer service.

I stopped worrying about my HDFC credit card and now it lies dormant in the drawer. No limit enhancements or upgrades even after 10 years even after regular usage meeting the spend criteria. I have many others better credit cards which provide better limits and returns.

stop worrying and move on. There is a reason why the credit card businesses of banks are under stress. Their systems are meant to rewards the freeloaders and penalize the genuine users. Axis M3B fiasco and the number of people pleading for Infinia are proof.

 

[tachniki]

HDFC maybe the largest bank of India but it is just another PSU

HDFC may behave like PSU. But it is a private bank.

 

[jar89]

Just posting my experience and what I did to upgrade from DCB to Infinia in Sep 2024 - Had the required spends in past 6 months, but CL was only 5.97 L.
Not sure what helped here, cos its still a mystery for me - but hope you could draw some references and try from your end.

Requested RM to upgrade to Imperia account (in Sep 2024) from Preferred, which he did despite not meeting the 3L salary criteria.
And then he was supposed to take approval by Dec 2024 based on my 2.6 L salary credit, loan relation with HDFC (21L), last 6 months spend ~ 10.5 L, long 10 year relation with HDFC, Salary account with HDFC etc.

But I couldn't wait and tried my luck by sending a mail to escalation cc with my use cases and eligibility to get Infinia and they replied to send supporting docs and a letter to their Chennai address.
I send the same use cases as a letter along with my pay slips, loan account screenshots and last 6 months spend.

My DCB had only 5.97 L limit, but my spends were high. I hold a Tata Neu Infinity and I don't think its an issue for getting Infinia. Not sure though.

I am pasting the letter that I send to them. Hope it helps at least few who are kind of on the same boat.

Hello,

I would like to upgrade my DCB to Infinia along with limit upgrade. Or If I can choose only one, I would like to opt for Infinia.

Below are my use cases/requirements/eligibility for limit and Infinia upgrade.

1) The total spend in my current card anniversary year is ~23 L (as per customer care, when I last checked) and in the past 6 months it's ~10.7 L. So, I have been a high spender and have paid my dues on time in the entire history of CC usage without any defaults.

2) I am an Imperia account holder with my salary credited to HDFC account.

3) I have been a long-term customer with HDFC and holding an account for nearly 9 years and have been using your credit cards for a few years now with high spends.

4) I am having an upcoming purchase of nearly 10 L and would need my limit to be enhanced to pay this expense.

5) An issue with DCB is its acceptability - I had a foreign trip to Azerbaijan in March 2024 and I even enrolled for the Global value program. I had enabled international transactions and yet the DCB card was not accepted in any of the places including Marriott properties or luxury malls in Azerbaijan.
I tried my luck in Qatar during transit and it was rejected there as well.
I have upcoming trips in Dec and Apr to Thailand and Japan and I plan to use my entire spends on HDFC CC for this purpose.
Infinia will be my best bet for this requirement.

6) I am holding a home loan with HDFC of 21 L and have not defaulted on it till date. I have shifted this from AXIS bank to HDFC considering my long term relation with HDFC.

7) I am drawing an In-hand Salary close to 2.6 L now and the total salary is 3.2 L with taxes.
I have switched to a new firm from Aug and still I am using HDFC as the salary account even though AXIS is the preferred bank for my new employer. HDFC has been by salary account for 9 years now.

Based on my spending over the past 6-8 months and the long-term relationship I am holding with HDFC and considering all the above factors I have mentioned for my upcoming spends, I request to upgrade my card to Infinia with an increased limit of 10 L or above.

 

[Yugi]

Just posting my experience and what I did to upgrade from DCB to Infinia in Sep 2024 - Had the required spends in past 6 months, but CL was only 5.97 L.
Not sure what helped here, cos its still a mystery for me - but hope you could draw some references and try from your end.

Requested RM to upgrade to Imperia account (in Sep 2024) from Preferred, which he did despite not meeting the 3L salary criteria.
And then he was supposed to take approval by Dec 2024 based on my 2.6 L salary credit, loan relation with HDFC (21L), last 6 months spend ~ 10.5 L, long 10 year relation with HDFC, Salary account with HDFC etc.

But I couldn't wait and tried my luck by sending a mail to escalation cc with my use cases and eligibility to get Infinia and they replied to send supporting docs and a letter to their Chennai address.
I send the same use cases as a letter along with my pay slips, loan account screenshots and last 6 months spend.

My DCB had only 5.97 L limit, but my spends were high. I hold a Tata Neu Infinity and I don't think its an issue for getting Infinia. Not sure though.

I am pasting the letter that I send to them. Hope it helps at least few who are kind of on the same boat.

Hello,

I would like to upgrade my DCB to Infinia along with limit upgrade. Or If I can choose only one, I would like to opt for Infinia.

Below are my use cases/requirements/eligibility for limit and Infinia upgrade.

1) The total spend in my current card anniversary year is ~23 L (as per customer care, when I last checked) and in the past 6 months it's ~10.7 L. So, I have been a high spender and have paid my dues on time in the entire history of CC usage without any defaults.

2) I am an Imperia account holder with my salary credited to HDFC account.

3) I have been a long-term customer with HDFC and holding an account for nearly 9 years and have been using your credit cards for a few years now with high spends.

4) I am having an upcoming purchase of nearly 10 L and would need my limit to be enhanced to pay this expense.

5) An issue with DCB is its acceptability - I had a foreign trip to Azerbaijan in March 2024 and I even enrolled for the Global value program. I had enabled international transactions and yet the DCB card was not accepted in any of the places including Marriott properties or luxury malls in Azerbaijan.
I tried my luck in Qatar during transit and it was rejected there as well.
I have upcoming trips in Dec and Apr to Thailand and Japan and I plan to use my entire spends on HDFC CC for this purpose.
Infinia will be my best bet for this requirement.

6) I am holding a home loan with HDFC of 21 L and have not defaulted on it till date. I have shifted this from AXIS bank to HDFC considering my long term relation with HDFC.

7) I am drawing an In-hand Salary close to 2.6 L now and the total salary is 3.2 L with taxes.
I have switched to a new firm from Aug and still I am using HDFC as the salary account even though AXIS is the preferred bank for my new employer. HDFC has been by salary account for 9 years now.

Based on my spending over the past 6-8 months and the long-term relationship I am holding with HDFC and considering all the above factors I have mentioned for my upcoming spends, I request to upgrade my card to Infinia with an increased limit of 10 L or above.

Congratulations on you Infinia