How to Get DCP Credit Card as LTF? Facing Rejections & No Upgrade Offers

[BK7]

Hi everyone,

I'm trying to get the HDFC Diners Club Privilege (DCP) credit card as Lifetime Free (LTF) for my wife, but facing a few issues and hoping someone here can guide us:

• Online application says she's not eligible, despite meeting the income requirements.
• She contacted her HDFC Relationship Manager (salary account RM), but they are refusing to issue it as LTF. Instead, they are pushing for a paid variant via agent-assisted application.

Separately, I already hold the HDFC Millennia and Swiggy cards (shared limit of ₹75,000), but:

• I’m not getting any upgrade offers (even for DCP or Regalia).
• No limit enhancement offers either.
• My salary is ₹70,000 per month.
• I recently closed both my HDFC salary and savings accounts – could that be affecting my eligibility or upgrade path?
• I used to have a Millenia card with a ₹2.5L limit, but I closed it three years ago. Looking back, I regret that decision—wish I had known about this community back then.

Questions:

1. Any tips on how to get the DCP as LTF, especially for my wife? Is RM escalation the only way?
2. Could the closure of my HDFC savings/salary accounts be impacting upgrade/limit offers?
3. Any workaround or best practices others have used to get LTF or improve credit card offers from HDFC?

Appreciate any help or suggestions!

 

[Tejo]

Best way is to close existing, start from the beginning....

 

[jyothisthaliath]

I my case, I was having HDFC saving account since 6 months. I was using the debit card a lot for CC bill payments. DCP was my first HDFC credit card. I had applied online in 2025 January when they had an offer going on for LTF DCP and FYF Regalia Gold. I applied through the website. My application was on hold for many days. With constant email followup, they asked me to send my salary documents to Chennai office. Then within some days it got approved.

 

[Wealth is my birth right!]

Hi everyone,

I'm trying to get the HDFC Diners Club Privilege (DCP) credit card as Lifetime Free (LTF) for my wife, but facing a few issues and hoping someone here can guide us:

• Online application says she's not eligible, despite meeting the income requirements.
• She contacted her HDFC Relationship Manager (salary account RM), but they are refusing to issue it as LTF. Instead, they are pushing for a paid variant via agent-assisted application.

Separately, I already hold the HDFC Millennia and Swiggy cards (shared limit of ₹75,000), but:

• I’m not getting any upgrade offers (even for DCP or Regalia).
• No limit enhancement offers either.
• My salary is ₹70,000 per month.
• I recently closed both my HDFC salary and savings accounts – could that be affecting my eligibility or upgrade path?
• I used to have a Millenia card with a ₹2.5L limit, but I closed it three years ago. Looking back, I regret that decision—wish I had known about this community back then.

Questions:

1. Any tips on how to get the DCP as LTF, especially for my wife? Is RM escalation the only way?
2. Could the closure of my HDFC savings/salary accounts be impacting upgrade/limit offers?
3. Any workaround or best practices others have used to get LTF or improve credit card offers from HDFC?

Appreciate any help or suggestions!

A fresh start will do since ur limit is not upto the floor levels of next higher cards
Apply other bank c2c higher limit when doing fresh