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. 😃

 

[Avatar Aang]

Escalate to PriorityRedressal.CreditCards@hdfcbank.com or some other address?

Yes. If they don't budge then escalate to PNO

 

[satty]

Got DCBM only last week

What's the spend criteria for DCBM ?

 

[Ayushsingh_2001]

What's the spend criteria for DCBM ?

5 lakh limit on existing card with 5 lakh spends in last 6 months

 

[kaka11]

Hi friends ,
Pleased to inform that I have got an upgrade to Infinia metal.

Thanks to all the members for invaluable suggestions and discussions and especially @TechnoFino for this amazing community

 

[theXfactor]

Hi friends ,
Pleased to inform that I have got an upgrade to Infinia metal.

Thanks to all the members for invaluable suggestions and discussions and especially @TechnoFino for this amazing community

Congratulations, buddy! Provide further details about your journey, limit, pricing etc.

 

[kaka11]

Well my journey started with salary account in HDFC since 2018

I am Doctor by profession

I was offered preapproved LTF Regalia in early 2019 like many of us at that time
This was also my first credit card

My RM & BM are idiots...so they have no role in my journey

My initial limit was maybe around 3 lakh
I did not had much knowledge about credit cards at that time and simply used it as a payment option everywhere i got a chance and cleared my dues in full everytime on time.

I kept getting regular auto limit enhancements throughout this period till 2024

Then in late 2023 I stumbled upon this amazing forum and my life changed

From 3 credit catds in 2023 to 16 as of now... u can see how much I learnt from here

Here I came to know about more rewarding credit cards and that sometimes a paid card can be much much better than a LTF card

So I upgraded my regalia to regalia gold in january 2024 and then to DCB metal in September 2024 and now to Infinia metal in march 2025.....

All these upgrades under the guidance of this community.. were based on limit and spends requirement and were 1st year free

As for the Infinia upgrade my limit was 10 lakh and spends in excess of 10 lakh in last 6 months ...all the spends were proper retail spends...no rotation, no rental, no education payments, no insurance payments ...very minimal utility payments


Thanks everyone for not just infinia...but for enhancing my overall financial world knowledge.

 

[350modena]

Well my journey started with salary account in HDFC since 2018

I am Doctor by profession

I was offered preapproved LTF Regalia in early 2019 like many of us at that time
This was also my first credit card

My RM & BM are idiots...so they have no role in my journey

My initial limit was maybe around 3 lakh
I did not had much knowledge about credit cards at that time and simply used it as a payment option everywhere i got a chance and cleared my dues in full everytime on time.

I kept getting regular auto limit enhancements throughout this period till 2024

Then in late 2023 I stumbled upon this amazing forum and my life changed

From 3 credit catds in 2023 to 16 as of now... u can see how much I learnt from here

Here I came to know about more rewarding credit cards and that sometimes a paid card can be much much better than a LTF card

So I upgraded my regalia to regalia gold in january 2024 and then to DCB metal in September 2024 and now to Infinia metal in march 2025.....

All these upgrades under the guidance of this community.. were based on limit and spends requirement and were 1st year free

As for the Infinia upgrade my limit was 10 lakh and spends in excess of 10 lakh in last 6 months ...all the spends were proper retail spends...no rotation, no rental, no education payments, no insurance payments ...very minimal utility payments


Thanks everyone for not just infinia...but for enhancing my overall financial world knowledge.

Great! Congrats!

One Q - regalia to regalia gold was a pre approved offer?

 

[kaka11]

Great! Congrats!

One Q - regalia to regalia gold was a pre approved offer?

Yes preapproved fyf

 

[350modena]

Yes preapproved fyf

Seen on Xpressway or did you get an email ?

 

[taskmaster]

I have 8L limit on my Regalia Gold, around 3L spends in the last 3-4 months. Also a salary account with HDFC with around 2L/month credit. Any chance of me getting DCB Metal or Infinia upgrade?

 

[aniketkr.sharma]

I have 8L limit on my Regalia Gold, around 3L spends in the last 3-4 months. Also a salary account with HDFC with around 2L/month credit. Any chance of me getting DCB Metal or Infinia upgrade?

Spends are less but you can try

 

[kvndsz512]

I have 8L limit on my Regalia Gold, around 3L spends in the last 3-4 months. Also a salary account with HDFC with around 2L/month credit. Any chance of me getting DCB Metal or Infinia upgrade?

try to mail once and see... if they dont then try increasing spends to around 9L~ in last 6 months if u want infinia else 5/6L~ spends in last 6 months for dcb

 

[taskmaster]

try to mail once and see... if they dont then try increasing spends to around 9L~ in last 6 months if u want infinia else 5/6L~ spends in last 6 months for dcb

I can increase but regalia has such low limits on Smartbuy that my other cards feel better. Whats the salary criteria for dcb now? I think Infinia might be tough for me but can get dcb metal for flights and hotels, they have higher smartbuy capping.

 

[taskmaster]

Spends are less but you can try

Is the pdf attached to this post still valid? Or is their some update?

 

[aniketkr.sharma]

Is the pdf attached to this post still valid? Or is their some update?

Valid, but they will send you the form after reviewing as I got.

 

[satty]

I have 8L limit on my Regalia Gold, around 3L spends in the last 3-4 months. Also a salary account with HDFC with around 2L/month credit. Any chance of me getting DCB Metal or Infinia upgrade?

They rejected my RG->Infinia upgrade stating spend is 8.33lac in last 6 months, so I think it's more than 9lac now.
I asked them about the spends criteria, but they are saying it's internal policy.

 

[aniketkr.sharma]

They rejected my RG->Infinia upgrade stating spend is 8.33lac in last 6 months, so I think it's more than 9lac now.
I asked them about the spends criteria, but they are saying it's internal policy.

Yeah then they will allow dcbm, ask & get it

 

[satty]

Yeah then they will allow dcbm, ask & get it

Problem with dcbm is acceptability and no renewal benefit.
I am not far from Infinia spends criteria and my RG CL is also 14lac+, so don't want to settle for dcbm.
If they denied again than will see ..

 

[aniketkr.sharma]

Problem with dcbm is acceptability and no renewal benefit

Acceptability issue is outside India, wherever rupay works diners works too, and renewal benefits are only beneficial if you don't pay fees.

I think annual memberships are included in renewal afaik

 

[satty]

Acceptability issue is outside India, wherever rupay works diners works too, and renewal benefits are only beneficial if you don't pay fees.

I think annual memberships are included in renewal afaik

renewal benefit in terms of reward points, for Infinia you get the 12500 points against the renewal fees of 12500+GST but for dcbm no rewards against the fees for 10000+GST