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. 😃

 

[Ankur dhanda]

Hi ,
I have finally got an email from Priority redressal team stating that my current DCB will be upgraded to Infinia metal FYF basis. I am yet to receive the card but I can see the same in my HDFC netbanking account where my current DCB balances along with reward points have been moved to Infinia. Will keep the group posted once I receive the physical card.
I am also checking with Imperia team on how the transactions will be rewarded till the time I do not receive the Infinia card and keep using DCB card for the transit time (as per HDFC app, DCB is showing as 0 balance whereas Infinia account has leftover balances ).

Met the spend criteria, limit criteria, salary criteria? Or by some other push & pull?

 

[HimachaliJeeper404]

Met the spend criteria, limit criteria, salary criteria? Or by some other push & pull?

I think it was more of a relationship (me holding preferred banking relationship via salary & wife being imperia customer) and as guided by TF community, chasers & follow-up to HDFC priority team.
Spend and Limit criteria definitely not met.

 

[Ankur dhanda]

I think it was more of a relationship (me holding preferred banking relationship via salary & wife being imperia customer) and as guided by TF community, chasers & follow-up to HDFC priority team.
Spend and Limit criteria definitely not met.

That’s great they waived these requirements for you, good luck with your infinia.

 

[Ruchit]

Hi - I have a 10+ years old HDFC Regalia LTF Card with a 4.02 L limit. My salary is 24+L. Can someone suggest to me if I'm eligible for a better upgrade?
Currently, I'm receiving requests for Regalia Gold with 1st year free which is silly as Regalia and Regalia Gold have the same benefits. Why should I opt for Regalia Gold with fees?

 

[krishnasharma39]

Hi - I have a 10+ years old HDFC Regalia LTF Card with a 4.02 L limit. My salary is 24+L. Can someone suggest to me if I'm eligible for a better upgrade?
Currently, I'm receiving requests for Regalia Gold with 1st year free which is silly as Regalia and Regalia Gold have the same benefits. Why should I opt for Regalia Gold with fees?

Try for DCB if your spending is more than 4L in the last 6 months. If spends are more than 8L in the last 6 months you can try for Infinia as well. Get in touch with your branch/RM/Grevieance to request for upgrade.

 

[anonymousamigo]

I have ITR >26L, but my monthly take home salary is ~1.5L. Can i still apply for DCB and get it?
JFYI: I held DCP with 6.3L CL and replaced it for Regalia gold LTF 4L CL, 4 months back for acceptability issues.

 

[vineetverma]

I think it was more of a relationship (me holding preferred banking relationship via salary & wife being imperia customer) and as guided by TF community, chasers & follow-up to HDFC priority team.
Spend and Limit criteria definitely not met.

Hi @HimachaliJeeper404 , do you mind letting us kn what was your limit and spends in the last 6 months, and also, a ballpark figure of your salary.

I had talked to my RM and he said that two of the following three criteria must be met:
1. Limit > 8 Lakhs
2. NetSalary > 3 L
3. Last 6 month spends > 7.5 Lakhs

I and my wife are imperia customers ourselves and I just wanna understand how much HDFC is willing to relax the above conditions.

 

[HimachaliJeeper404]

Hi @HimachaliJeeper404 , do you mind letting us kn what was your limit and spends in the last 6 months, and also, a ballpark figure of your salary.

I had talked to my RM and he said that two of the following three criteria must be met:
1. Limit > 8 Lakhs
2. NetSalary > 3 L
3. Last 6 month spends > 7.5 Lakhs

I and my wife are imperia customers ourselves and I just wanna understand how much HDFC is willing to relax the above conditions.

My existing DCB limit was around8.2L
Salary criteria was also met.
And last 6 months spend was around 5L

 

[Tejo]

My existing DCB limit was around8.2L
Salary criteria was also met.
And last 6 months spend was around 5L

Ask for infinia upgrade

 

[nivek]

I have a 6 month old DCB with 5L limit and have spend around 5L in the last 6 months. I have an HDFC Classic account as well. I have an axis Select card with limit of 9.7L, anyway to upgrade to infinia on C2C basis cos no other condition will help in upgrade I guess?

 

[HimachaliJeeper404]

Ask for infinia upgrade

Got it just 2 days back as FYF. Was pushing them a lot for LTF but managed with FYF only.

 

[HimachaliJeeper404]

I have a 6 month old DCB with 5L limit and have spend around 5L in the last 6 months. I have an HDFC Classic account as well. I have an axis Select card with limit of 9.7L, anyway to upgrade to infinia on C2C basis cos no other condition will help in upgrade I guess?

What I understood from HDFC is that Infinia as c2c is not available right now. They have stopped issuing it as c2c basis. Try to speak to your RM if anyhting can be done.

 

[nivek]

What I understood from HDFC is that Infinia as c2c is not available right now. They have stopped issuing it as c2c basis. Try to speak to your RM if anyhting can be done.

My RM is as useful as a scarecrow!

 

[akmittal]

I have LTF DCB with 6.6 Lac limit. Is it worth it to upgrade to FYF infinia if annual spends are 8-9 Lac?

 

[SSV]

I have LTF DCB with 6.6 Lac limit. Is it worth it to upgrade to FYF infinia if annual spends are 8-9 Lac?

I think so..
After Infinia Reserve, I think they will relax rules on Infinia metal .if you have strong case, they can make Metal LTF after a year or two..just my guess

 

[Lord Of Darkness]

Hi @HimachaliJeeper404 , do you mind letting us kn what was your limit and spends in the last 6 months, and also, a ballpark figure of your salary.

I had talked to my RM and he said that two of the following three criteria must be met:
1. Limit > 8 Lakhs
2. NetSalary > 3 L
3. Last 6 month spends > 7.5 Lakhs

I and my wife are imperia customers ourselves and I just wanna understand how much HDFC is willing to relax the above conditions.

It all depends on the RM. I casually mentioned to RM i was looking for Infinia, he asked me my salary, he said criteria is net should be >2 lakhs and he can take exception from unit head to go ahead with Infinia.

My case:
My existing limit on DCB: 6 lakhs
My net salary - around 1.75 lakhs
Net spends in last 6 months - maybe less than 3 lakhs

I filled the upgrade form, sent the 3 months salary slips to the RM, and within a week, I got upgraded to Infinia Metal with limit of 8 lakhs.

 

[nivek]

It all depends on the RM. I casually mentioned to RM i was looking for Infinia, he asked me my salary, he said criteria is net should be >2 lakhs and he can take exception from unit head to go ahead with Infinia.

My case:
My existing limit on DCB: 6 lakhs
My net salary - around 1.75 lakhs
Net spends in last 6 months - maybe less than 3 lakhs

I filled the upgrade form, sent the 3 months salary slips to the RM, and within a week, I got upgraded to Infinia Metal with limit of 8 lakhs.

How old was your DCB?

 

[Lord Of Darkness]

How old was your DCB?

Hardly an year old - that too FYF DCB.
I am an HDFC bank credit card customer for 16 years though.

 

[H4CK_H0PP3R]

Guys I have applied for home loan with 95L, received approved sanction letter,I have hdfc salary account since last 6 months, my current highest limit with other bank is 6.8L, my total annual spends less than 3-4L from multiple cards, cibil is 780+ & net salary is less than 2L, I am thinking to push them with home loan criteria, anyone here got any success with loan? I currently hold business moneyback cc of hdfc which is basic ltf cc, I do not have RM but got regelia pre approval offer few days back, What are my chances of DCB/infinia ltf/fyf with home loan specially.

 

[D₹V]

Guys I have applied for home loan with 95L, received approved sanction letter,I have hdfc salary account since last 6 months, my current highest limit with other bank is 6.8L, my total annual spends less than 3-4L from multiple cards, cibil is 780+ & net salary is less than 2L, I am thinking to push them with home loan criteria, anyone here got any success with loan? I currently hold business moneyback cc of hdfc which is basic ltf cc, I do not have RM but got regelia pre approval offer few days back, What are my chances of DCB/infinia ltf/fyf with home loan specially.

@S S V might answer