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. 😃

 

[RandomUsername]

Mail to priority redressal or grievance asking for DCB

After getting dcb and showing my spends for a year am I eligible for infinia?

 

[RandomUsername]

I currently have indusind pinnacle with 5L limit and 40ITR and spends of 15L.

 

[Gautam3]

Yeah, it works if you meet eligibility. I got Moneyback though I applied for Millenia, so I mailed here. Got it replaced within a month!

I also got business moneyback( not activate yet) but I wanted millennia card. Can you please tell me where to email for replacement?

 

[pradeep421]

We have also provide possible details in our platform, As per latest Guide line of bank, any one can also check details of any bank credit cards at our platform at Banksathi

 

[starstruck]

We have also provide possible details in our platform, As per latest Guide line of bank, any one can also check details of any bank credit cards at our platform at Banksathi

Are you an agent there?

 

[sahil624]

Hi all, my RM offered me Infinia against my DCB LTF. Major dilemma. Should I upgrade? Help needed.
It is being offered FYF.

 

[mojo_jojo123]

Hi all, my RM offered me Infinia against my DCB LTF. Major dilemma. Should I upgrade? Help needed.

how .. what is the reason .. .infinia LTF ?

 

[sahil624]

how .. what is the reason .. .infinia LTF ?

Not LTF. DCB is LTF they are upgrading it to Infinia FYF.

 

[ADITYA1904]

Hi all, my RM offered me Infinia against my DCB LTF. Major dilemma. Should I upgrade? Help needed.
It is being offered FYF.

Upgrade to FYF infinia…worth it…

 

[sahil624]

Upgrade to FYF infinia…worth it…

Even giving up DCB LTF is okay?

 

[nikhilesh71]

how .. what is the reason .. .infinia LTF ?

I too got the same offer. I think paid infinia over LTF DCB , differences are not that much. Except for higher limit of 15K points instead of 7.5K which I never exceed anyways. I refused that offer. You will loose out Milestone benefits & 2X dining benefit as well.

 

[ADITYA1904]

Even giving up DCB LTF is okay?

Of course if your spending is high…worth it…also against annual fee you can get 12500 rewards points which is worth it if accor all 22500…also higher smartbuy limit and also many other benefits…

 

[sahil624]

I too got the same offer. I think paid infinia over LTF DCB , differences are not that much. Except for higher limit of 15K points instead of 7.5K which I never exceed anyways. I refused that offer. You will loose out Milestone benefits & 2X dining benefit as well.

2x dining benefit is a really good feature of this card. Sadly there is no way to keep both Infinia and Diners Black card.

 

[nikhilesh71]

Also

2x dining benefit is a really good feature of this card. Sadly there is no way to keep both Infinia and Diners Black card.

Also consider 2500 annual fees(GST component) for paid infinia which will nullify whatever extra benefit it offers to an extent

 

[mojo_jojo123]

Not LTF. DCB is LTF they are upgrading it to Infinia FYF.

did you spend high in DCB recently ?

 

[sahil624]

did you spend high in DCB recently ?

No not that much.

 

[mastfun]

No not that much.

My RM said I will have to spend 7.5 L in 6 months to be eligible 🙂

 

[sahil624]

Sti

My RM said I will have to spend 7.5 L in 6 months to be eligible 🙂

I think it depends on person to person.
Still confused whether to go for FYF Infinia upgrade from DCB LTF. Because of LTF status of DCB I am having second thoughts.

 

[sousnake]

Sti

I think it depends on person to person.
Still confused whether to go for FYF Infinia upgrade from DCB LTF. Because of LTF status of DCB I am having second thoughts.

Same here, problem I see is that in future if infinia is devalued or for some reason need to close infinia then I loose DCB as well. Once closed we can't get DCB back.
I don't understand why HDFC doesn't allow paid infinia with other cards.

 

[SmartSave]

Does complaining to RBI help in getting Infinia in my case?

Case: Former RM on a con-call with CC Manager promised if I spend 7L in 6 months, I'll get Infinia. This was last year and I ended up exceeding the criteria by 3 times. I followed up and he kept saying no offers available. At the time I ignored and moved on. Later followed up but this time RM itself got changed and new RM says they have no idea about past conversation and that my account isn't eligible. Only DCB is being offered. Escalated to PNO too and they too said the same thing after multiple follow ups in last 1 month.

Now I'm wondering if I could file an official complaint with RBI B.O and demand for a LE/Card Upgrade that was promised by former RM. The only problem is, I don't have any written records but the call was done on a recorded line (bank's end). So technically, I don't have any evidence yet I've tried to explain and even requested them to retrieve the call history/recordings and confirm this but they ignore that and continue to say I can only get DCB.

I can pick DCB but the major issue is, my limit won't meet the criteria required for Infinia in future while I can easily meet the spending criteria -- These two being connected is a major problem as one is not in my control (CL) and another is (spending) but it feels pointless to meet the spending criteria when CL criteria fails. ITR is out of option, self employed profile is another issue.

I read somewhere people bambooing through RBI B.O and getting LE from multiple banks but IDK if it works for upgrades too? My other concern is, if I take this route, it would ruin the existing relationship with the bank as this is my primary card and account having long relationship. Thoughts? Anyone tried?