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.

 

[Andy1]

Hi all, recently my credit card was upgraded to DCB metal.Can I apply for add on card via email?

 

[aniketkr.sharma]

Hi all, recently my credit card was upgraded to DCB metal.Can I apply for add on card via email?

Yeah definitely but be aware no addon for friends

 

[vadixit]

Hi all, recently my credit card was upgraded to DCB metal.Can I apply for add on card via email?

No, you will have to fill addon form and send via post or drop in HDFC branch to Chennai office with following documents.
1. Valid Photo ID.
2. PAN card or Form 60 with Address Proof. (All documents should be self-attested by add-on applicant). You may visit the below link for add-on application.

Link: https://www.hdfcbank.com/content/bb...ersonal/Add-on-application-form-15-2-2022.pdf

 

[aniketkr.sharma]

Hi all, recently my credit card was upgraded to DCB metal.Can I apply for add on card via email?

Apply addon via internet/mobile banking.

 

[Andy1]

Yeah definitely but be aware no addon for friends

Thanks for

No, you will have to fill addon form and send via post or drop in HDFC branch to Chennai office with following documents.
1. Valid Photo ID.
2. PAN card or Form 60 with Address Proof. (All documents should be self-attested by add-on applicant). You may visit the below link for add-on application.

Link: https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms Centre/Content/Detail Page/Forms Center -personal/Add-on-application-form-15-2-2022.pdf

Has anyone ever tried to get add on via email recently?earlier for upgrade also we had to post or drop to branch only.

 

[Andy1]

Apply addon via internet/mobile banking.

Not possible if family member doesn't have a hdfc bank account.

 

[aniketkr.sharma]

Not possible if family member doesn't have a hdfc bank account.

Yeah, they need an account.

Thanks for

Has anyone ever tried to get add on via email recently?earlier for upgrade also we had to post or drop to branch only.

Didn't went through any post, but as long you will take to get approval through email or by post, better open an account and apply for add-on it will be quick and the card will arrive in next 2-3 days

 

[Andy1]

Yeah, they need an account.


Didn't went through any post, but as long you will take to get approval through email or by post, better open an account and apply for add-on it will be quick and the card will arrive in next 2-3 days

Having an extra account these days is unbearable. I'll post but not open a savings account.

 

[Dazzwilliams]

Hi all, recently my credit card was upgraded to DCB metal.Can I apply for add on card via email?

Paid or LTF?

 

[Andy1]

Paid or LTF?

It's an upgrade so FYF

 

[Lobogris]

Having an extra account these days is unbearable. I'll post but not open a savings account.

What is the disadvantage of opening an account?

 

[MrMonkey]

What is the disadvantage of opening an account?

Maintaining minimum balance, unnecessary calls for credit cards/loans/ULIP etc etc

 

[iambpr]

@here

I have a query regarding Infinia Statement wrt Forex Markup Fee
I travelled out of the country 2 times in the last 2 months

In Jan's credit card statement, I have an entry as CONSOLIDATED FCY MARKUP FEE and is of around 5k rupees
I wanted to debug this markup fee, as this is additional to the GST etc. entries they post for each foreign currency transaction

How do I back-calculate the conversion rate HDFC is charging ?

Becacuse from the looks of it, if this fee is included, then the conversion rate is at least 1-2% higher than 2% that is claimed

 

[aniketkr.sharma]

@here

I have a query regarding Infinia Statement wrt Forex Markup Fee
I travelled out of the country 2 times in the last 2 months

In Jan's credit card statement, I have an entry as CONSOLIDATED FCY MARKUP FEE and is of around 5k rupees
I wanted to debug this markup fee, as this is additional to the GST etc. entries they post for each foreign currency transaction

How do I back-calculate the conversion rate HDFC is charging ?

Becacuse from the looks of it, if this fee is included, then the conversion rate is at least 1-2% higher than 2% that is claimed

The markup fee is for the transaction and gst is on markup fee.

Now calculate, if it's going beyond 2% + 18%gst.

Then raise complaint.

 

[thelazycamel]

@here

I have a query regarding Infinia Statement wrt Forex Markup Fee
I travelled out of the country 2 times in the last 2 months

In Jan's credit card statement, I have an entry as CONSOLIDATED FCY MARKUP FEE and is of around 5k rupees
I wanted to debug this markup fee, as this is additional to the GST etc. entries they post for each foreign currency transaction

How do I back-calculate the conversion rate HDFC is charging ?

Becacuse from the looks of it, if this fee is included, then the conversion rate is at least 1-2% higher than 2% that is claimed

I faced the same issue with my DCB, they charged 1% extra on my forex transactions... I only looked at 2 high value transactions where I noticed the issue, did you find the case for all your transactions?