How to get HDFC Infinia ( or DCB maybe) on C2C basis?

[Shroud]

UPDATE: So the card has been approved yesterday, almost after a month and it'll be delivered within 3 working days. Now the only thing to be seen is if it's Infinia or something else that gets delivered. However, I'm going to get a confirmation from customer care about the same today.

Did you receive your Infinia?

 

[Sanjh009]

Di

Did you receive your Infinia?

It's on the way, God knows for what reason hdfc chose to courier the card through Speed post. It's been 3 days and the card has just reached Moradabad from Noida. Guess the postman is going to walk to my home all the way from Noida. I'm able to see the card on mycard app, it's Infinia only.

 

[Arc_hit]

Infinia no ,DCB yes ,but you need a motivated bank employee to help you out,

Unlike other banks ,HDFC is very stingy with their Premium (Reg Gold) and Super Premium Cards (Infinia & DCB) and doesn't give it away easily ,infact they use it as a laverage to make you take their other(less rewarding) Financial products and services

I am a self employed doctor and I hold Amex platinum travel and sbi prime card and some other credit cards as well with my highest cc limit being 2.60lacs (Amex). My latest itr is 12lacs ….is it possible to get hdfc diners black ….i am a complete credit card enthusiast but not able to get premium cards.
Recently I opened a saving bank account with hdfc and also did a FD of 1.5 lacs with them….kindly guide🙏🏽

 

[Sanjh009]

I am a self employed doctor and I hold Amex platinum travel and sbi prime card and some other credit cards as well with my highest cc limit being 2.60lacs (Amex). My latest itr is 12lacs ….is it possible to get hdfc diners black ….i am a complete credit card enthusiast but not able to get premium cards.
Recently I opened a saving bank account with hdfc and also did a FD of 1.5 lacs with them….kindly guide🙏🏽

I'm not sure about the criteria for self employed individuals but one thing that matters is your credit history and credit card usage. I personally know a HNI getting denied for DCB because his previous credit card usage were minimal. If you do not have a history of high credit card usage, most probably the card would be denied. Anyways, you can check with the branch or your relationship manager.

 

[Swastik]

I am a self employed doctor and I hold Amex platinum travel and sbi prime card and some other credit cards as well with my highest cc limit being 2.60lacs (Amex). My latest itr is 12lacs ….is it possible to get hdfc diners black ….i am a complete credit card enthusiast but not able to get premium cards.

For your salary your credit limit seems too low ,
I'm a senior resident in a medical college, earning similar to you, but my highest card is ICICI with limit of 6L ,but then again I've been in this game for close to a dacade ,got my 1st card when i was in 2nd yr MBBS,

I would suggest first try to get credit limit enhancement for all your cards based on your ITR ,get ICICI cards as they give good credit limits ,
Also get Regalia Gold right away, should be easy with 12L ITR ,and then you try to upgrade later on ,

DCB is a bit tricky in your position ,you'll have to convince your bank employees to take deviation on salary requirements, totally depends on them

 

[hysteriadoc]

I am a self employed doctor and I hold Amex platinum travel and sbi prime card and some other credit cards as well with my highest cc limit being 2.60lacs (Amex). My latest itr is 12lacs ….is it possible to get hdfc diners black ….i am a complete credit card enthusiast but not able to get premium cards.
Recently I opened a saving bank account with hdfc and also did a FD of 1.5 lacs with them….kindly guide🙏🏽

Ask your RM based on your relationship with the bank for Diners Black. If you are not eligible for it, I suggest you take any HDFC card which you are eligible for. I think, based on your account type "eg. For Classic account - Regalia or Regalia Gold" can easily be approved. If you are not approved for Regalia, then I suggest you ask for "Hdfc Doctors Card". You are straightaway eligible for it. Then start the journey of building up your Credit limit over the next 1 year. Increase it upto Rs. 5 Lakhs Credit limit & then ask for Diners Black.

 

[SmartyAadi]

It's on the way, God knows for what reason hdfc chose to courier the card through Speed post. It's been 3 days and the card has just reached Moradabad from Noida. Guess the postman is going to walk to my home all the way from Noida. I'm able to see the card on mycard app, it's Infinia only.

Weird. I have only seen them using Bluedart for Infinia & DCB. Infact, they delivered mine in 2 days and add ons were delivered within 24hrs. I requested add on at some 9 or 10PM and next day got the card in the evening😛

 

[Avatar Aang]

UPDATE: So the card has been approved yesterday, almost after a month and it'll be delivered within 3 working days. Now the only thing to be seen is if it's Infinia or something else that gets delivered. However, I'm going to get a confirmation from customer care about the same today.

Please share a detailed story in a separate thread. It'll help many people. TIA.

 

[Arc_hit]

For your salary your credit limit seems too low ,
I'm a senior resident in a medical college, earning similar to you, but my highest card is ICICI with limit of 6L ,but then again I've been in this game for close to a dacade ,got my 1st card when i was in 2nd yr MBBS,

I would suggest first try to get credit limit enhancement for all your cards based on your ITR ,get ICICI cards as they give good credit limits ,
Also get Regalia Gold right away, should be easy with 12L ITR ,and then you try to upgrade later on ,

DCB is a bit tricky in your position ,you'll have to convince your bank employees to take deviation on salary requirements, totally depends on them

I do have a icici Amazon pay card with 63k limit and a ICICI coral with 2.2lacs limit

 

[Arc_hit]

Ask your RM based on your relationship with the bank for Diners Black. If you are not eligible for it, I suggest you take any HDFC card which you are eligible for. I think, based on your account type "eg. For Classic account - Regalia or Regalia Gold" can easily be approved. If you are not approved for Regalia, then I suggest you ask for "Hdfc Doctors Card". You are straightaway eligible for it. Then start the journey of building up your Credit limit over the next 1 year. Increase it upto Rs. 5 Lakhs Credit limit & then ask for Diners Black.

How to ask for credit limit increase. For the sbi prime card I hold I checked online today on their website but it says for 1lac/month net income based on 12lac itr the existing 2.38lac limit that sbi prime has rite now is the max they can give

 

[Swastik]

How to ask for credit limit increase. For the sbi prime card I hold I checked online today on their website but it says for 1lac/month net income based on 12lac itr the existing 2.38lac limit that sbi prime has rite now is the max they can give

Don't bother with SBI ,they're the worst when it comes to credit limit increase,
My Sbi card is stuck at 1.4L limit since few yrs now

 

[hysteriadoc]

How to ask for credit limit increase. For the sbi prime card I hold I checked online today on their website but it says for 1lac/month net income based on 12lac itr the existing 2.38lac limit that sbi prime has rite now is the max they can give

Send your latest ITR documents with CL increase form to Chennai address.

 

[Arc_hit]

Don't bother with SBI ,they're the worst when it comes to credit limit increase,
My Sbi card is stuck at 1.4L limit since few yrs now

Ok thank u

 

[Hell_Kitty]

@Sanjh009 what was your net take home per month when you got your Infinia?

 

[jack333]

It's on the way, God knows for what reason hdfc chose to courier the card through Speed post. It's been 3 days and the card has just reached Moradabad from Noida. Guess the postman is going to walk to my home all the way from Noida. I'm able to see the card on mycard app, it's Infinia only.

Did you check if your infinia metal is LTF? Many NTB have got their first card as LTF including infinia

 

[Sanjh009]

@Sanjh009 what was your net take home per month when you got your Infinia?

It's 2.6 LPM.

 

[Sanjh009]

Did you check if your infinia metal is LTF? Many NTB have got their first card as LTF including infinia

I've not received any such communication. What I know is if I spend 3L within 120 days, my joining fees would be waived off. Maybe this offer is applicable every year, making the card LTF.

 

[jack333]

I've not received any such communication. What I know is if I spend 3L within 120 days, my joining fees would be waived off. Maybe this offer is applicable every year, making the card LTF.

No this is only joining offer for one time. After three months drop a mail asking if your card is LTF or not

 

[Sanjh009]

No this is only joining offer for one time. After three months drop a mail asking if your card is LTF or not

Thanks for the information. I'll check with them.

 

[Hell_Kitty]

It's 2.6 LPM.

I have almost the same but they are denying it saying I'm not eligible. I'm existing customer with HDFC. @Sanjh009