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

[TechnoFinoTechnoFino is verified member.]

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. 😃

 

[_ayush]

I have a 1 year old LTF business regalia with 2L limit. Applied c2c using higher limit ICICI card but HDFC provided only 2L limit (close to what I had from SBI Card), that also after sending physical forms to Chennai. I have spent over 6L in last 6 months and over 8.5L in anniversary year on the business regalia. I have not received any limit increase despite high usage and making full on-time payments. I don't have any other relationship with HDFC (HDFCLife rejected my term insurance many years ago, I got the same coverage for ICICI and stayed away from HDFC). I have high disposable income but my personal ITR is modest thanks to smart business structuring and tax planning. Hence, I don't want to send them my ITR. How can I get limit increment and get BizBlack/DCB/Infinia? I can meet the 6 months spend requirements for Infinia, but I don't have the required credit limit or ITR. Hoping to get help from the experienced members here.

ULIP can be an option if you have 'disposable' income.

 

[hundredth]

ULIP can be an option if you have 'disposable' income.

Thanks. But I think I am not that desperate for some credit card. With ULIP I would lose much more money than the extra credit card benefits I might get. I used 'disposable income' in the usual accounting context. But ULIP will actually 'dispose' it. 🤣

 

[hundredth]

ULIP can be an option if you have 'disposable' income.

Btw what would be the minimum ULIP investment that one can do just for a super premium card? Any reference value or ballpark will do. I know it will not be worth it, but still numbers can give better idea.

 

[Deleted member 11974]

1-2L minimum ulip required for infinia

 

[_ayush]

Btw what would be the minimum ULIP investment that one can do just for a super premium card? Any reference value or ballpark will do. I know it will not be worth it, but still numbers can give better idea.

I discussed with an RM. She said she cant go below 15k pm policy for approval.

 

[hundredth]

1-2L minimum ulip required for infinia

I discussed with an RM. She said she cant go below 15k pm policy for approval.

What if we cancel the ULIP during free look period? Or after 1 month (writing off first premium as loss).

 

[SSV]

What if we cancel the ULIP during free look period? Or after 1 month (writing off first premium as loss).

It would be around 1.5 L. pa. ie ball park figure..
You can do whatever you want after you got your infinia and face the outcome

 

[hundredth]

It would be around 1.5 L. pa. ie ball park figure..
You can do whatever you want after you got your infinia and face the outcome

If infinia is issued instantly/fast people would just cancel the ULIP during free look period and get infinia for free. Is this possible?

 

[SSV]

If infinia is issued instantly/fast people would just cancel the ULIP during free look period and get infinia for free. Is this possible?

This may technically be possible but not sure of the consequences later

 

[Deleted member 11974]

BANK CAN CLAWBACK INFINIA IF IT WANTS TO

 

[hundredth]

This is an interesting question. Even if ULIP is not cancelled within free look period but after 2-3 months (assuming it is monthly scheme), the loss will not be much. Somebody must have tried this already. If anyone has further insights, please do share.

 

[SSV]

This is an interesting question. Even if ULIP is not cancelled within free look period but after 2-3 months (assuming it is monthly scheme), the loss will not be much. Somebody must have tried this already. If anyone has further insights, please do share.

I think for the first time annual premium may be required to make ULIP as surrogate to Infinia…

 

[_ayush]

I asked them about surrendering ULIP. The agent said whole first year premium (around 2L) will be lost. Might vary from policy to policy.
Also I think they wont issue the card until free look up period is over.

 

[SSV]

I asked them about surrendering ULIP. The agent said whole first year premium (around 2L) will be lost. Might vary from policy to policy.
Also I think they wont issue the card until free look up period is over.

Correct, HDFC didn’t become the biggest bank in India for silly reasons …

 

[hundredth]

If they don't issue card unless free look period is over then it is risky coz they might later say that they failed to get approval for the card.

Which ULIP take 100% discontinuance fee? Can you get details for the plan she is offering? The online hdfc ULIP has 0% discontinuance charges. Afaik, you should get the money back after 5 years along with some basic interest.

 

[kvndsz512]

I have a 1 year old LTF business regalia with 2L limit. Applied c2c using higher limit ICICI card but HDFC provided only 2L limit (close to what I had from SBI Card), that also after sending physical forms to Chennai. I have spent over 6L in last 6 months and over 8.5L in anniversary year on the business regalia. I have not received any limit increase despite high usage and making full on-time payments. I don't have any other relationship with HDFC (HDFCLife rejected my term insurance many years ago, I got the same coverage for ICICI and stayed away from HDFC). I have high disposable income but my personal ITR is modest thanks to smart business structuring and tax planning. Hence, I don't want to send them my ITR. How can I get limit increment and get BizBlack/DCB/Infinia? I can meet the 6 months spend requirements for Infinia, but I don't have the required credit limit or ITR. Hoping to get help from the experienced members here.

do u have multiple hdfc cards?

 

[hundredth]

do u have multiple hdfc cards?

No just this one.

 

[Karan04]

Question. What happens for office verification for remote workers?
Address verification is not an issue, but I am not at office.. some guy from HDFC called and said they were at the office..
asked them if they wanted the number of the HR dept, but they said the verification cant be dont by speaking on the phone.

what next?

 

[smuff]

Has anyone observed the patterns of not getting LE when cobranded card is taken? Even after good usage.

 

[vineetverma]

Has anyone observed the patterns of not getting LE when cobranded card is taken? Even after good usage.

I swear I was just about to ask the same question.

Have had a DCB LTF for 10 months now, but got myself a Tata Neu Infinity FYF right after that for UPI purposes. And no LE since then! Does anybody have any insight on this?
@anirban.choudhury @SSV