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. 😃

 

[aniketkr.sharma]

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

If you aren't able to spend 8 lacs in a year then it's worst deal.

But if you have RG, Still I think you can go for upgrade as rewards points value you accumulate on RG is again 0.5 value of infinia but from dcb its 1.

I thought of the annual memberships that we get on annual fee waiver on spends of 8 lacs, in this situation its good.

 

[satty]

If you aren't able to spend 8 lacs in a year then it's worst deal.

But if you have RG, Still I think you can go for upgrade as rewards points value you accumulate on RG is again 0.5 value of infinia but from dcb its 1.

I thought of the annual memberships that we get on annual fee waiver on spends of 8 lacs, in this situation its good.

Are you sure about the reward points conversion from RG to dcbm is 100%? As per the upgrade form it's 50%
If it's 100% I can go for dcbm.
I have 36k points which will easily cover the fees for 1 year and during that time I can try for upgrade to Infinia again.

 

[aniketkr.sharma]

Are you sure about the reward points conversion from RG to dcbm is 100%? As per the upgrade form it's 50%
If it's 100% I can go for dcbm.
I have 36k points which will easily cover the fees for 1 year and during that time I can try for upgrade to Infinia again.

View attachment 88995

For dcbm upgrade its 50% as for infinia upgrade.

But from dcbm to infinia its 100%

I was saying if you still accumulate points on RG It will be a loss if those spends can be made on dcbm.

 

[satty]

For dcbm upgrade its 50% as for infinia upgrade.

But from dcbm to infinia its 100%

I was saying if you still accumulate points on RG It will be a loss if those spends can be made on dcbm.

Okay... I am still waiting for reply from priorityredressal team if it's rejected again will ask them for dcbm

 

[theXfactor]

Okay... I am still waiting for reply from priorityredressal team if it's rejected again will ask them for dcbm

There are several things to consider and one of the things is recent devaluations on HDFC cards. With the increased processing fee on Amazon gift vouchers effective value back from Infinia came down to 12.54% while DCBM it’s 5.86%. Makes hell lot of difference if you use Apay as payment method and buy vouchers on primary and add-on Infinias.

 

[satty]

There are several things to consider and one of the things is recent devaluations on HDFC cards. With the increased processing fee on Amazon gift vouchers effective value back from Infinia came down to 12.54% while DCBM it’s 5.86%. Makes hell lot of difference if you use Apay as payment method and buy vouchers on primary and add-on Infinias.

that's true .. I do payment via APAY wherever it's accepted also base rewards are also good for offline spends which can be used for flight/hotel booking

 

[satty]

I recently spoke with a customer care representative who informed me that only the last four months of statements are visible on my card. That’s when it struck me that my card was replaced in November 2024 due to misplacement. It seems they consider the latest card for spend calculations, which means only four months of transactions are being accounted for. In my case, this excludes 2 months spending from my old card while calculating spends. Is this fair? Should I escalate the issue or simply spend again to meet the criteria?

 

[aniketkr.sharma]

I recently spoke with a customer care representative who informed me that only the last four months of statements are visible on my card. That’s when it struck me that my card was replaced in November 2024 due to misplacement. It seems they consider the latest card for spend calculations, which means only four months of transactions are being accounted for. In my case, this excludes 2 months spending from my old card while calculating spends. Is this fair? Should I escalate the issue or simply spend again to meet the criteria?

Simply spend to meet the criteria, as if you escalate or do whatever, they will take time for about one or two months to resolve and then you will fall shorten on spends again as those two months will again will not be accounted for past 6 months.

 

[DarthBrooks]

Instead of upgrading my limit by 25k and giving me DCB, HDFC made my Regalia Gold lifetime free, this bank is really something.

 

[sumeet]

You made request for upgrade after spending how much and what is you limit

Instead of upgrading my limit by 25k and giving me DCB, HDFC made my Regalia Gold lifetime free, this bank is really something.

 

[DarthBrooks]

You made request for upgrade after spending how much and what is you limit

My current limit is 4.75L, spent roughly 7L in last 6 months. They said they won't upgrade without limit increase, rejected limit change and upgrade I reverted to PnO to make Regalia LTF or Upgrade. They offered Regalia ltf.

 

[Sobirvs]

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.

How to even find out the exact and accurate last 6 months spends? Card might have emi/gst/processing fees etc, that aren't allowed to be calculated as spends right? I did best to calculate but how to verify the calculation is correct. I calculated 3 times and for now it is 8.3L in last 5 months but how to verify this?

 

[Sobirvs]

Okay... I am still waiting for reply from priorityredressal team if it's rejected again will ask them for dcbm

Why not just spend 1L more and get your calculation to 9L+ and then ask for infinia. Why settle for DCBM.

 

[Sobirvs]

My current limit is 4.75L, spent roughly 7L in last 6 months. They said they won't upgrade without limit increase, rejected limit change and upgrade I reverted to PnO to make Regalia LTF or Upgrade. They offered Regalia ltf.

DAMN.... When u did those 7L spends, didn't they increase the limit meanwhile?

and how old is your regalia gold??

 

[sumeet]

I AM STUCK AT 4.8L FOR MORE THAN 2 YEARS AND NOT GETTING INCREASE TO GET IT BEYOND 5L

 

[Sobirvs]

I AM STUCK AT 4.8L FOR MORE THAN 2 YEARS AND NOT GETTING INCREASE TO GET IT BEYOND 5L

your ITR and how many other cards and total credit limit on other cards (as shown in cibil, not internally in bank as shared_=)????

 

[theXfactor]

I AM STUCK AT 4.8L FOR MORE THAN 2 YEARS AND NOT GETTING INCREASE TO GET IT BEYOND 5L

Hdfc is stingy about CL hikes. One should focus on CL enhancement with HDFC and not spends as much because spends is our discretion but CL is theirs and we can’t arm twist them to enhance it when we need it most

 

[DarthBrooks]

How to even find out the exact and accurate last 6 months spends? Card might have emi/gst/processing fees etc, that aren't allowed to be calculated as spends right? I did best to calculate but how to verify the calculation is correct. I calculated 3 times and for now it is 8.3L in last 5 months but how to verify this?

The dedicated milestone tracking portal gives the exact number.

 

[DarthBrooks]

DAMN.... When u did those 7L spends, didn't they increase the limit meanwhile?

and how old is your regalia gold??

I got it in March 2024, started with 1.5L, now its at 4.75L and last increase was in November 2024, maybe they are holding off for 6 month thing.

 

[theXfactor]

The dedicated milestone tracking portal gives the exact number.

which is this portal?