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. 😃

 

[Indrajeet100]

Do you have salary account with HDFC?

No. But I have a very old saving account with average of 1lac balance. I asked them to upgrade to classic or preferred. Told them will easily keep 2-3lacs balance in saving if they upgrade but branch just took request couple of times and simply no response.

 

[thanix]

Is there any difference between DCB and DCB metal in features? I know the spend needed for fee waiver is higher in Metal but any benefits in Metal?

After 2 years with DCB, I am getting the offer to upgrade to metal.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Is there any difference between DCB and DCB metal in features? I know the spend needed for fee waiver is higher in Metal but any benefits in Metal?

After 2 years with DCB, I am getting the offer to upgrade to metal.

Few differences
Daily & monthly cap is 10k for DCB metal
I think for DCB daily is 2500 and monthly is 7500

There is an additional 10k bonus as quarterly milestone on spend of 4 lakhs in a quarter on DCB metal

No monthly vouchers on 80k spend on DCB metal.

 

[thanix]

Few differences
Daily & monthly cap is 10k for DCB metal
I think for DCB daily is 2500 and monthly is 7500

There is an additional 10k bonus as quarterly milestone on spend of 4 lakhs in a quarter on DCB metal

No monthly vouchers on 80k spend on DCB metal.

Thank you very much, looks like DCB metal is not for my spend pattern.

 

[Harsha448]

Yeah you were right. My RM is total waste. She kept delaying, even after I spent 10L in 3-4 months, with a credit limit of 8L in DCB metal. She asked me to bring 5L funds to account so that it will 100% get approved. Even after doing that, she asked to shift salary account to HDFC. I just sent mail to priority redressal after this and within 3-4 days, they approved it and within 3-4 days after that, I now have Infinia metal!
But I miss the milestone benefits in this.

What was the process? Did they send approval mail immediately to you as a reply? I received an upgrade form/ to confirm something on mail and saying they will review the request and subject to internal checks. Does this mean is it approved or still there are chances to be rejected?

 

[meumangarora]

Need a small feedback if it's a possible way to get Infinia.
I have 2 cards from HDFC. Credit limit is more than 8L. Spends on 1 card are high and would qualify for Infinia upgrade, but I want to keep that card. Can I ask them to upgrade the other card with less spends based on the high spends on the other card?
I also hold Imperia savings account with the bank.

 

[bhanusingh783]

Has HDFC stopped taking C2C application from branch. I wanted to apply for DCB but was informed by the credit card agent that they do not take C2C application from march.

 

[akash2401akash2401 is verified member.]

I have hdfc sb max account, I applied for hdfc regalia gold and after 2 rejections and one mb+ approval I have got the virtual regalia gold card today. Below are my queries:
1. I have amex with limit of Rs. 5.6 lacs and can I apply via c2c for possibly DCB?

2. How easy is HDFC with cc limit enhancement?

Thanks in advance

 

[akmittal]

Thanks to the community, got upgrade to Infinia from DCB.

 

[Harsha448]

Thanks to the community, got upgrade to Infinia from DCB.

@akmittal .is it through redressal mail and what was the process? I received a mail asking for confirmation on fee, points conversion etc. what are the steps after this, if you are aware?

 

[akmittal]

@akmittal .is it through redressal mail and what was the process? I received a mail asking for confirmation on fee, points conversion etc. what are the steps after this, if you are aware?

Yes got emails from redressal. After taking confirmation/concent they just emailed that they have mailed the card and you will receive in 5-7 days

 

[Hello_World]

So, here's my story of how my AMEX Platinum charge card was canceled, and it made me switch my expenses to Business Regalia: https://www.technofino.in/community/threads/amex-financial-review.7351/post-647582

Background​

I've been an HDFC customer for the past 12 years. Initially, I was a preferred customer, but now I have an Imperia relationship. My last three months account credits are approx 29 lakhs, and my salary is also credited to my HDFC account. I maintain an average monthly balance of around 1.5 to 2 lakhs.
After switching my expenses from AMEX to HDFC CC, I made transactions worth 4.3 lakhs within two months and realised the advantages of HDFC credit cards. My Life-Time Free (LTF) Regalia card has a limit of 4.15 lakhs. With upcoming expenses worth 5 lakhs, I decided to upgrade my existing card to the INFINIA METAL. I emailed the grievance redressal team, requesting an increase in my credit limit and an upgrade to the INFINIA METAL card.

The Upgrade Process​

A couple of days later, I received a response stating that I needed an existing credit limit of 10 lakhs for them to consider my request for an INFINIA METAL upgrade. To increase my credit limit, they asked for three months' salary slips, which I provided. In my reply, I reiterated my wish to get the INFINIA METAL card, emphasizing my high expenses and long-standing relationship with the bank. I also shared my last three months' bank statements to strengthen my case.

Approval and Upgrade​

Following my reply, I received another response from the grievance redressal team. They informed me that, based on the documents I provided, the bank was willing to increase my credit limit by 3.85 lakhs, raising my Business Regalia limit to 8 lakhs. They also offered me a upgrade either to Business Black CC FYF or INFINIA METAL FYF after the limit increase. They asked for my consent and whether I was aware of the card features and annual fee. I responded positively, agreeing to the credit limit increase and the upgrade to the INFINIA METAL card.

Today, my credit limit was revised to 8 lakhs, and I received an email from the bank stating that the INFINIA METAL card would be delivered to my home address within a week.

Fairly easy I guess, and now let's see how my INFINIA journey unfolds.

 

[arnabtripathi]

I have DCB LTF with 18L limit and expenses of around 20L in last year. Is it possible to get Infinia as a separate new card alongside DCB via email route.

 

[BVCBVC is verified member.]

I have DCB LTF with 18L limit and expenses of around 20L in last year. Is it possible to get Infinia as a separate new card alongside DCB via email route.

For Infinia FYF looking at your spends and CL you can upgrade, but to get 2nd core card (Infinia along with DCB) you need to talk to RM/BM. They can do it.

Earlier getting 2 core cards from HDFC was not possible, but these days some users reported 3 core cards also on the forum.

 

[card-shard]

I have DCB LTF with 18L limit and expenses of around 20L in last year. Is it possible to get Infinia as a separate new card alongside DCB via email route.

I am interested to know why you want to have both cards, instead of simply upgrading to Infinia?
Infinia is an overall better card than DCB.

 

[Nishan11]

So, here's my story of how my AMEX Platinum charge card was canceled, and it made me switch my expenses to Business Regalia: https://www.technofino.in/community/threads/amex-financial-review.7351/post-647582

Background​

I've been an HDFC customer for the past 12 years. Initially, I was a preferred customer, but now I have an Imperia relationship. My last three months account credits are approx 29 lakhs, and my salary is also credited to my HDFC account. I maintain an average monthly balance of around 1.5 to 2 lakhs.
After switching my expenses from AMEX to HDFC CC, I made transactions worth 4.3 lakhs within two months and realised the advantages of HDFC credit cards. My Life-Time Free (LTF) Regalia card has a limit of 4.15 lakhs. With upcoming expenses worth 5 lakhs, I decided to upgrade my existing card to the INFINIA METAL. I emailed the grievance redressal team, requesting an increase in my credit limit and an upgrade to the INFINIA METAL card.

The Upgrade Process​

A couple of days later, I received a response stating that I needed an existing credit limit of 10 lakhs for them to consider my request for an INFINIA METAL upgrade. To increase my credit limit, they asked for three months' salary slips, which I provided. In my reply, I reiterated my wish to get the INFINIA METAL card, emphasizing my high expenses and long-standing relationship with the bank. I also shared my last three months' bank statements to strengthen my case.

Approval and Upgrade​

Following my reply, I received another response from the grievance redressal team. They informed me that, based on the documents I provided, the bank was willing to increase my credit limit by 3.85 lakhs, raising my Business Regalia limit to 8 lakhs. They also offered me a upgrade either to Business Black CC FYF or INFINIA METAL FYF after the limit increase. They asked for my consent and whether I was aware of the card features and annual fee. I responded positively, agreeing to the credit limit increase and the upgrade to the INFINIA METAL card.

Today, my credit limit was revised to 8 lakhs, and I received an email from the bank stating that the INFINIA METAL card would be delivered to my home address within a week.

Fairly easy I guess, and now let's see how my INFINIA journey unfolds.

After giving consent, how many days it took to receive the new upgrade approval?

 

[BVCBVC is verified member.]

I am interested to know why you want to have both cards, instead of simply upgrading to Infinia?
Infinia is an overall better card than DCB.

To have maximum benefit from Smart Buy I guess.

DCB have limit per month, so to get 2 cards.

 

[Swastik]

I am interested to know why you want to have both cards, instead of simply upgrading to Infinia?
Infinia is an overall better card than DCB.

More limit on Smartbuy if holding both cards then just infinia

 

[Hello_World]

After giving consent, how many days it took to receive the new upgrade approval?

5 days, and today my INFINIA METAL was delivered.

 

[Indrajeet100]

Maybe this is correct. I first got Money back with small limit after few months they made it Millennia LTF with just 1.5lacs limit immediately I got Tata Neu Infinity LTF within same limit. Now more than a year, no upgrade and no limit increase though my score is 800plus, ITR 50plus spend of 6lacs in year on Millennia though no salary account. When I check upgrade or limit increase it shows that is best I can be given. I have ICICI Amazon with 10lacs, Amex Plat Travel and MRCC with total limits of 10lacs.Just got one Axis Privilege for trying Axis Cards though it showed I am eligible for Magnus/ Atlas too. But HDFC I even run out of limit every quarter when I pay school fees but they have kept it at 1.5lacs. I have to even stop using card in month I pay fees. I had actually got HDFC card just to avail offers on Amazon or Flipkart. Now I realised that spend on Credit cards can earn good rewards and Infinia/ DCB can be great option for that, they have just kept me at basic card and limit.

Taking advice given here, I wrote mail to grievance and got back reply asking salary slips. I mailed back both salary slips and ITR. They came back with offer of increasing limit by 2.5lacs to 4lacs, which still is not great and offered to upgrade to Regalia Gold FYF from Millennia LTF. FYF or LTF makes no difference as I can simply pay fees of 1lacs every quarter to meet 4lacs target. Would have really liked everyone's favourite Infinia or atleast DCB but really don't have spends left to do on these cards to meet 8/ 10lacs target for annual fees. I do Amazon spends on Amazon Pay Card and plan to do 6.40lacs on Amex MRCC(20k per month) and Platinum Travel(4lacs annual). I think my portfolio is now is complete. Thanks to advice given here.