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.

 

[manishgolcha]

Thank you but I already have Atlas and Plat Travel. I don't use Vistara so no use of IDFC...

I had cancelled the Regalia Gold I had exactly 4.5 months ago. Would waiting until 6 months before applying again improve my chances? I don't have any pre-approved offers.

RM can get this done in cooling period also. so talk to him and ask if he can pull off DCB for you. If he can't then you have to wait for 1.5 months

 

[jar89]

HDFC easily offers credit limit upto 2.5 times your in-hand salary, which comes to 6.5L in your case. But you need another 1.5L to hit the minimum criteria for Infinia.

That being said, I think this is where your long term relationship and the loan would come in handy. The fact that you have 10.5L spends in the last 6 months should also help.

My suggestion: keep the pressure on. First on your RM, and if that doesn't work out, on grievance.redressalcc@hdfcbank.com. Don't let them tarkao-fy you regarding some or the other shortcoming.

That is what the RM is gonna propose. Lets see how it goes.

 

[rogerthat]

RM can get this done in cooling period also. so talk to him and ask if he can pull off DCB for you. If he can't then you have to wait for 1.5 months

Yeah I've already tried but the RM bluntly says he will get it done only if I take ULIP or loan with him.

I read here that people were declined cards because it was not yet 6 months since they cancelled. So I think there's nothing I can do but wait until October.

 

[manishgolcha]

Yeah I've already tried but the RM bluntly says he will get it done only if I take ULIP or loan with him.

I read here that people were declined cards because it was not yet 6 months since they cancelled. So I think there's nothing I can do but wait until October.

In that case ignore what RM says, just try directly going to bank branch and talk to head. I know you have to wait for 1.5 months but no harm in trying. I have tried this with IDFC and Axis. See this

 

[Juganta]

I am using Millenia CC since 2.5 years
Limit 2.2 Lacs
What upgrade should i ask for ? (Main target is to get Infinia)
(Montly spend using Millenia CC is 1 Lac+)

 

[MrMonkey]

I am using Millenia CC since 2.5 years
Limit 2.2 Lacs
What upgrade should i ask for ? (Main target is to get Infinia)
(Montly spend using Millenia CC is 1 Lac+)

Get an upgrade to Regalia Gold. It will open the path for Infinia in future

 

[Vivek86]

What upgrade should i ask for ? (Main target is to get Infinia)

You can try DCB if it suits your spending pattern. It’s relatively easier to obtain.
With its milestone rewards and free memberships it’s as good as Infinia.

 

[tachniki]

Approximately how much money do people save with Infinia? For say 10 L of mix expenses - 2 L education, 3 Lakh hotel & flights + 1 L grocery + 1 L dining+swiggy + 3 L misc.

 

[rogerthat]

In that case ignore what RM says, just try directly going to bank branch and talk to head. I know you have to wait for 1.5 months but no harm in trying. I have tried this with IDFC and Axis. See this

Thanks man, but BM and RM are the same person . It's a very small branch.

I will anyway try once more and then if it still does not work out I will try to move my salary account to another branch and also ask for a new RM.

 

[drkrishnakumar]

I have DCB METAL from past 5 months with a credit limit of 8.26 lakh and I have spent more than 8 lakhs in past 5 months.. Still I have not received any upgrade option to infinia..
I tried via app, email and also through my RM but still they are saying that it's not possible to provide infinia due to some internal policies...

 

[PKMKB]

I have DCB METAL from past 5 months with a credit limit of 8.26 lakh and I have spent more than 8 lakhs in past 5 months.. Still I have not received any upgrade option to infinia..
I tried via app, email and also through my RM but still they are saying that it's not possible to provide infinia due to some internal policies...

contact grievance.redressalcc@hdfcbank.com and ask them for an upgrad based on Limit+last 6 months spend criteria. They'll upgrade.

 

[card-shard]

I have DCB METAL from past 5 months with a credit limit of 8.26 lakh and I have spent more than 8 lakhs in past 5 months.. Still I have not received any upgrade option to infinia..
I tried via app, email and also through my RM but still they are saying that it's not possible to provide infinia due to some internal policies...

From what I know, you can't get card upgrade in less than 6 months in HDFC.

Wait for statement to be generated after full 6 months of dcb. Iif you qualify spend criteria, you can get INFINIA either pre-approved or by re-requesting nodal officer.

Few related HDFC limits:
* no upgrade within 6 months
* no new card within 45 cards from card closure.

 

[sri_cc]

I have DCB METAL from past 5 months with a credit limit of 8.26 lakh and I have spent more than 8 lakhs in past 5 months.. Still I have not received any upgrade option to infinia..
I tried via app, email and also through my RM but still they are saying that it's not possible to provide infinia due to some internal policies...

I think you need to finish atleast 6 months with the DCB METAL, and only then you will be eligible for INFINIA upgrade.
Again it just makes you eligible, but it's the banks descision finally.

Hope you get it.

 

[Juganta]

Get an upgrade to Regalia Gold. It will open the path for Infinia in future

You can try DCB if it suits your spending pattern. It’s relatively easier to obtain.
With its milestone rewards and free memberships it’s as good as Infinia.

Asking for DCB Metal, via Email channel, waiting for their reply.

 

[vineetverma]

LONG POST ALERT! Finally, the day to write about my own journey to Infinia. I kn that this is long, but I have been wanting to write this for even longer.

TL;DR - Got upgraded from DCB LTF to Infinia FYF by spending >9 lakhs in 5 months with a CL of just 7.23L.

Start of banking relationship with HDFC - 2011 (started as a salary account; stopped being one for a few years in between; was again a salary account for the last two years)
Banking Program - Imperia
Avg balance in the last one year - 1-2L
CIBIL score - 791
HDFC cards held - Tata Neu Infinity (LTF), DCB LTF (Alumni Program)
Credit Limit - 7.23L


Came across the Infinia card on TF itself. Had my eyes set on it for the longest time. But my salary just wasn't enough.

Jul'23 - got my Regalia LTF upgraded to DCB LTF via the Alumni Program - CL had been stagnant at 7.23L for the last 1.5 years.

Till Feb'24 - Didn't use DCB much. Lost my job at the end of the month (this fact will be relevant later). However, during all this time, I made it a practice to take a picture/screenshot of any instance where DCB was not accepted (both online and offline).

Mar'24 - Decided to make an honest effort to get the >7.5L spends within 6 months and hoped that the spends would trigger a limit enhancement to >8L, killing two birds with one stone.

Jun'24 - Directing all possible spends (self, wife, family) to DCB, coupled with an upcoming Eurotrip, got me to >5L spends within 3 months. Kept up the practice of collecting DCB acceptability-issue evidence.

Jun'24 - Sent mail to grievance redressal mentioning DCB acceptability issues, credit limit stagnation, inferior benefits of DCB as compared to Infinia, expected acceptability issues of DCB in upcoming Eurotrip.
Result - DENIED!

Jul'24 - Was hoping to get a CL enhancement basis my high spends in the last 4 months. Decided to cancel my Tata Neu Infinity LTF, hoping that it wud trigger a CL enhancement. VERDICT - It hasn't....AS YET.

Aug'24 - Spends reached >9 lakhs in 5 months.

6 Aug'24 - Sent another mail to grievance redressal mentioning DCB acceptability issues, inferior benefits of DCB as compared to Infinia, expected acceptability issues of DCB in upcoming Eurotrip. Decided not to raise the issue of CL stagnation this time as I had no payslips to show! I figured that if they decided to upgrade to Infinia, they would anyway increase the CL to at least 8L so there was no reason for me to mention it.

Result - INTERESTING!

9 Aug'24 - They agreed to upgrade to Infinia in-principle but mentioned the fact that minimum CL required was 8L and mine was 7.23L. So requested my last 3 month payslips.

However, I noticed that in the same mail, they also asked me to reply back with my consent to the following usual questions:

Last four digits of card no -
Product type to be upgraded -
Confirm for pricing -
Aware of reward points conversion and product features -
Need confirmation from register mail id on scrutinizing your cibil report as a part of credit validation

This made me feel that they had already made up their mind to upgrade to Infinia and asking for the payslips was just a formality. So I replied with just my consent to the above questions and didn't send any attachments, knowing that if they insisted later, I could always say that I forgot

HOWEVER, the same day, in order to pre-empt any concerns regarding my financial situation since I might have to prove that I was 'worthy' of Infinia, I moved around some funds and increased the balance in my HDFC savings account to >10L (no investments were harmed in the making of this endeavour ).

16 Aug'24 - I got a call from my RM, telling me that the credit card team was requesting a callback from me as they were expecting some documents. Damn!

The same day, I replied back, providing my payslips for the months of Jan, Feb & Mar'24 (approx. in-hand salary 1.75L), mentioning that I had quit my job a few months back, so I was sending the latest payslips that I had. I also categorically requested them to hurry up so that i could get the Infinia in time and use it on my upcoming Eurotrip, saying that I expected spends of approx. 5L on Infinia during the trip.

16 Aug'24 - Got mail saying that my Infinia FYF had been approved. SUCCESS!

However, weird thing. They never increased my CL. So I got Infinia at a CL of 7.23L only. Never seen that happen!

Thanks a lot to TF for this entire journey. I have gained a tremendous amount of information from this forum and I would love to help out anyone in any way I can. Feel free to reach out in case you need any more info.


P.S. - I, of course, have no idea as to which thing/things worked in my favour - my >10L account balance created just a few days before, my payslips from a few months back, cancelling my Tata Neu Infinity LTF (this still hurts!) or just the fact that I had managed to spend >9 lakhs in 5 months itself. I am just glad that something did!

 

[sri_cc]

LONG POST ALERT! Finally, the day to write about my own journey to Infinia. I kn that this is long, but I have been wanting to write this for even longer.

TL;DR - Got upgraded from DCB LTF to Infinia FYF by spending >9 lakhs in 5 months with a CL of just 7.23L.

Start of banking relationship with HDFC - 2011 (started as a salary account; stopped being one for a few years in between; was again a salary account for the last two years)
Banking Program - Imperia
Avg balance in the last one year - 1-2L
CIBIL score - 791
HDFC cards held - Tata Neu Infinity (LTF), DCB LTF (Alumni Program)
Credit Limit - 7.23L


Came across the Infinia card on TF itself. Had my eyes set on it for the longest time. But my salary just wasn't enough.

Jul'23 - got my Regalia LTF upgraded to DCB LTF via the Alumni Program - CL had been stagnant at 7.23L for the last 1.5 years.

Till Feb'24 - Didn't use DCB much. Lost my job at the end of the month (this fact will be relevant later). However, during all this time, I made it a practice to take a picture/screenshot of any instance where DCB was not accepted (both online and offline).

Mar'24 - Decided to make an honest effort to get the >7.5L spends within 6 months and hoped that the spends would trigger a limit enhancement to >8L, killing two birds with one stone.

Jun'24 - Directing all possible spends (self, wife, family) to DCB, coupled with an upcoming Eurotrip, got me to >5L spends within 3 months. Kept up the practice of collecting DCB acceptability-issue evidence.

Jun'24 - Sent mail to grievance redressal mentioning DCB acceptability issues, credit limit stagnation, inferior benefits of DCB as compared to Infinia, expected acceptability issues of DCB in upcoming Eurotrip.
Result - DENIED!

Jul'24 - Was hoping to get a CL enhancement basis my high spends in the last 4 months. Decided to cancel my Tata Neu Infinity LTF, hoping that it wud trigger a CL enhancement. VERDICT - It hasn't....AS YET.

Aug'24 - Spends reached >9 lakhs in 5 months.

6 Aug'24 - Sent another mail to grievance redressal mentioning DCB acceptability issues, inferior benefits of DCB as compared to Infinia, expected acceptability issues of DCB in upcoming Eurotrip. Decided not to raise the issue of CL stagnation this time as I had no payslips to show! I figured that if they decided to upgrade to Infinia, they would anyway increase the CL to at least 8L so there was no reason for me to mention it.

Result - INTERESTING!

9 Aug'24 - They agreed to upgrade to Infinia in-principle but mentioned the fact that minimum CL required was 8L and mine was 7.23L. So requested my last 3 month payslips.

However, I noticed that in the same mail, they also asked me to reply back with my consent to the following usual questions:

Last four digits of card no -
Product type to be upgraded -
Confirm for pricing -
Aware of reward points conversion and product features -
Need confirmation from register mail id on scrutinizing your cibil report as a part of credit validation

This made me feel that they had already made up their mind to upgrade to Infinia and asking for the payslips was just a formality. So I replied with just my consent to the above questions and didn't send any attachments, knowing that if they insisted later, I could always say that I forgot

HOWEVER, the same day, in order to pre-empt any concerns regarding my financial situation since I might have to prove that I was 'worthy' of Infinia, I moved around some funds and increased the balance in my HDFC savings account to >10L (no investments were harmed in the making of this endeavour ).

16 Aug'24 - I got a call from my RM, telling me that the credit card team was requesting a callback from me as they were expecting some documents. Damn!

The same day, I replied back, providing my payslips for the months of Jan, Feb & Mar'24 (approx. in-hand salary 1.75L), mentioning that I had quit my job a few months back, so I was sending the latest payslips that I had. I also categorically requested them to hurry up so that i could get the Infinia in time and use it on my upcoming Eurotrip, saying that I expected spends of approx. 5L on Infinia during the trip.

16 Aug'24 - Got mail saying that my Infinia FYF had been approved. SUCCESS!

However, weird thing. They never increased my CL. So I got Infinia at a CL of 7.23L only. Never seen that happen!

Thanks a lot to TF for this entire journey. I have gained a tremendous amount of information from this forum and I would love to help out anyone in any way I can. Feel free to reach out in case you need any more info.


P.S. - I, of course, have no idea as to which thing/things worked in my favour - my >10L account balance created just a few days before, my payslips from a few months back, cancelling my Tata Neu Infinity LTF (this still hurts!) or just the fact that I had managed to spend >9 lakhs in 5 months itself. I am just glad that something did!

congrats on INFINIA
long journey but you never gave up and finally got the reward

 

[mastfun]

Well I applied to HDFC Infinia Metal through my branch without any issues with my ITR. The application says in process, hoping for the best!

 

[kumars_001]

Yeah, Guess so. Today I got an offer to upgrade my account to Imperia maybe I hit the HDFC jack pot

Does this have MAB required?

 

[Avatar Aang]

LONG POST ALERT! Finally, the day to write about my own journey to Infinia. I kn that this is long, but I have been wanting to write this for even longer.

TL;DR - Got upgraded from DCB LTF to Infinia FYF by spending >9 lakhs in 5 months with a CL of just 7.23L.

Start of banking relationship with HDFC - 2011 (started as a salary account; stopped being one for a few years in between; was again a salary account for the last two years)
Banking Program - Imperia
Avg balance in the last one year - 1-2L
CIBIL score - 791
HDFC cards held - Tata Neu Infinity (LTF), DCB LTF (Alumni Program)
Credit Limit - 7.23L


Came across the Infinia card on TF itself. Had my eyes set on it for the longest time. But my salary just wasn't enough.

Jul'23 - got my Regalia LTF upgraded to DCB LTF via the Alumni Program - CL had been stagnant at 7.23L for the last 1.5 years.

Till Feb'24 - Didn't use DCB much. Lost my job at the end of the month (this fact will be relevant later). However, during all this time, I made it a practice to take a picture/screenshot of any instance where DCB was not accepted (both online and offline).

Mar'24 - Decided to make an honest effort to get the >7.5L spends within 6 months and hoped that the spends would trigger a limit enhancement to >8L, killing two birds with one stone.

Jun'24 - Directing all possible spends (self, wife, family) to DCB, coupled with an upcoming Eurotrip, got me to >5L spends within 3 months. Kept up the practice of collecting DCB acceptability-issue evidence.

Jun'24 - Sent mail to grievance redressal mentioning DCB acceptability issues, credit limit stagnation, inferior benefits of DCB as compared to Infinia, expected acceptability issues of DCB in upcoming Eurotrip.
Result - DENIED!

Jul'24 - Was hoping to get a CL enhancement basis my high spends in the last 4 months. Decided to cancel my Tata Neu Infinity LTF, hoping that it wud trigger a CL enhancement. VERDICT - It hasn't....AS YET.

Aug'24 - Spends reached >9 lakhs in 5 months.

6 Aug'24 - Sent another mail to grievance redressal mentioning DCB acceptability issues, inferior benefits of DCB as compared to Infinia, expected acceptability issues of DCB in upcoming Eurotrip. Decided not to raise the issue of CL stagnation this time as I had no payslips to show! I figured that if they decided to upgrade to Infinia, they would anyway increase the CL to at least 8L so there was no reason for me to mention it.

Result - INTERESTING!

9 Aug'24 - They agreed to upgrade to Infinia in-principle but mentioned the fact that minimum CL required was 8L and mine was 7.23L. So requested my last 3 month payslips.

However, I noticed that in the same mail, they also asked me to reply back with my consent to the following usual questions:

Last four digits of card no -
Product type to be upgraded -
Confirm for pricing -
Aware of reward points conversion and product features -
Need confirmation from register mail id on scrutinizing your cibil report as a part of credit validation

This made me feel that they had already made up their mind to upgrade to Infinia and asking for the payslips was just a formality. So I replied with just my consent to the above questions and didn't send any attachments, knowing that if they insisted later, I could always say that I forgot

HOWEVER, the same day, in order to pre-empt any concerns regarding my financial situation since I might have to prove that I was 'worthy' of Infinia, I moved around some funds and increased the balance in my HDFC savings account to >10L (no investments were harmed in the making of this endeavour ).

16 Aug'24 - I got a call from my RM, telling me that the credit card team was requesting a callback from me as they were expecting some documents. Damn!

The same day, I replied back, providing my payslips for the months of Jan, Feb & Mar'24 (approx. in-hand salary 1.75L), mentioning that I had quit my job a few months back, so I was sending the latest payslips that I had. I also categorically requested them to hurry up so that i could get the Infinia in time and use it on my upcoming Eurotrip, saying that I expected spends of approx. 5L on Infinia during the trip.

16 Aug'24 - Got mail saying that my Infinia FYF had been approved. SUCCESS!

However, weird thing. They never increased my CL. So I got Infinia at a CL of 7.23L only. Never seen that happen!

Thanks a lot to TF for this entire journey. I have gained a tremendous amount of information from this forum and I would love to help out anyone in any way I can. Feel free to reach out in case you need any more info.


P.S. - I, of course, have no idea as to which thing/things worked in my favour - my >10L account balance created just a few days before, my payslips from a few months back, cancelling my Tata Neu Infinity LTF (this still hurts!) or just the fact that I had managed to spend >9 lakhs in 5 months itself. I am just glad that something did!

I also thought that Infinia will probably come with minimum CL of 8L. However they've upgraded my DCB LTF to Infinia with CL<6L.

 

[vineetverma]

I also thought that Infinia will probably come with minimum CL of 8L. However they've upgraded my DCB LTF to Infinia with CL<6L.

Just goes to show that for HDFC, other than the spends criteria, no rule is sacrosanct.