How To Get HDFC Bank Infinia & DCB Credit Card Easily - New & Upgrade

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HDFC Bank Infinia is the best credit card available in India for frequent air travellers. HDFC Bank market this credit card as an invite only card, but in reality you can actually apply for this card.
Official Eligible Income Criteria For HDFC Infinia- 43L ITR (depends on location)
DCB - 24L ITR
If you don't have ITR of 43L/24L you can still get HDFC Infinia/DCB, you have to fulfil some other criteria.
This information is not available publicly on HDFC Bank website.
Hidden Criteria For "New HDFC Bank Infinia Credit Card" - You can apply for new HDFC Bank Infinia credit card using "Card To Card" method, you need a minimum 1 year old other bank credit card with minimum 10 lakhs credit limit for this.
"New HDFC Bank Diners Club Black Credit Card" - You can apply for new HDFC Bank DCB credit card using "Card To Card" method, you need a minimum 1 year old other bank credit card with minimum 5 lakhs credit limit for this.

If your already have a HDFC Bank credit card, then you have to upgrade your existing card to Infinia/DCB,
For Upgrade To Infinia-
1. You need minimum 8 lakhs credit limit on your existing HDFC Bank Credit card
2. Send an email to- grievance.redressalcc@hdfcbank.com & request for card upgrade, fill up and attach credit card upgrade form with the email.
*Credit card upgrade form (New Version) - attached with this thread.

For Upgrade To DCB-
1. You need minimum 5 lakhs credit limit on your existing HDFC Bank Credit card
2. Send an email to- grievance.redressalcc@hdfcbank.com & request for card upgrade, attach card upgrade form with the email.

Update- HDFC Bank asking for 10 lakhs limit on your existing credit card for infinia upgrade.



So, don't be surprised if hdfc bank ask you for 10L limit. 😃

 

[thelazycamel]

So I have a DCB plastic LTF, and I was looking to upgrade it to Infinia. I meet the limit criteria on my DCB (15L) but I am falling a bit short of the spend ceiteria. My RM said I need to have 9L spend in the last 6 months, which honestly sounds excessive! I thought it was 8L.

But anyway, my question is, can I make some refundable bookings on my credit card, get the upgrade and refund the spends? Are there any issues with this approach? Can the bank take back my Infinia card after it has been activated? Also, what happens to the refunds once my DCB is closed, where will the refund go?

 

[MrMonkey]

So I have a DCB plastic LTF, and I was looking to upgrade it to Infinia. I meet the limit criteria on my DCB (15L) but I am falling a bit short of the spend ceiteria. My RM said I need to have 9L spend in the last 6 months, which honestly sounds excessive! I thought it was 8L.

But anyway, my question is, can I make some refundable bookings on my credit card, get the upgrade and refund the spends? Are there any issues with this approach? Can the bank take back my Infinia card after it has been activated? Also, what happens to the refunds once my DCB is closed, where will the refund go?

The spend criteria has been increased recently from around 7-8L to 9L in last 6months and these spends should be billed, as unbilled spends are not usually considered under the criteria. Any refunds on the old card will be routed to the new card

 

[theXfactor]

So I have a DCB plastic LTF, and I was looking to upgrade it to Infinia. I meet the limit criteria on my DCB (15L) but I am falling a bit short of the spend ceiteria. My RM said I need to have 9L spend in the last 6 months, which honestly sounds excessive! I thought it was 8L.

But anyway, my question is, can I make some refundable bookings on my credit card, get the upgrade and refund the spends? Are there any issues with this approach? Can the bank take back my Infinia card after it has been activated? Also, what happens to the refunds once my DCB is closed, where will the refund go?

I get what you are trying to do. Basically, you want to do the cancellable bookings, upgrade your DCB to Infinia and then cancel the bookings and get the refund to the source. Not a clean way of going about it. Don't know if there would be any repercussions if banks finds out.

Usually banks don't cancel cards once upgraded/issued unless they find out unfair practices as per their terms
Refund will come to your card account AFAIK but consult with their CC.

 

[Andy1]

So I have a DCB plastic LTF, and I was looking to upgrade it to Infinia. I meet the limit criteria on my DCB (15L) but I am falling a bit short of the spend ceiteria. My RM said I need to have 9L spend in the last 6 months, which honestly sounds excessive! I thought it was 8L.

But anyway, my question is, can I make some refundable bookings on my credit card, get the upgrade and refund the spends? Are there any issues with this approach? Can the bank take back my Infinia card after it has been activated? Also, what happens to the refunds once my DCB is closed, where will the refund go?

No issues other than tracing back refund to new card.

 

[sravanbrahma]

So I have a DCB plastic LTF, and I was looking to upgrade it to Infinia. I meet the limit criteria on my DCB (15L) but I am falling a bit short of the spend ceiteria. My RM said I need to have 9L spend in the last 6 months, which honestly sounds excessive! I thought it was 8L.

But anyway, my question is, can I make some refundable bookings on my credit card, get the upgrade and refund the spends? Are there any issues with this approach? Can the bank take back my Infinia card after it has been activated? Also, what happens to the refunds once my DCB is closed, where will the refund go?

Interesting idea. Try booking US flight tickets two way in MMT and give it a try. It's almost fully refundable except for convience fee.( Check with customer care before doing it)

While refund just ask MMT to refund to bank account stating that my card was cancelled. This worked for me earlier due to genuine cancellation of card.