DCB Please Help with DCB & Swiggy Dilemma!

[vishp]

Hi Everyone,

I am having DCB from Last 4 months. My goal was to get Infinia by end of year, through Credit Limit (8L) and Spend Eligibility (7.5 in 6 months).

I can easily achieve Spend Criteria. But my Credit Limit was 5L, and seeing that how difficult it is to get LE nowadays, that too to 8L, I lost hope, and got the Swiggy LTF Card. I know that getting Non-Core Card further impacts your ability to get LE.

Now the funny thing is I applied for Swiggy Card, a couple of days back, and it got approved yesterday and also I got an automatic LE for DCB ydy to about 7.5+ Lakhs!

Infinia Credit Limit Eligibility is 8 Lakhs, which I am short of by few thousands. I have two choices now.

1. Close Swiggy Card immediately and ask for another manual LE for DCB after few months
2. Use Swiggy Card for a couple of months, close it, and then ask for LE on DCB

Please suggest of how should I proceed. Please let me know if there are any other choices.

 

[vishp]

Tagging few experts I know. Other experts too help out.

@SSV @deep@vie @Vasuki @D₹V @Yugi

 

[Vasuki]

Hi Everyone,

I am having DCB from Last 4 months. My goal was to get Infinia by end of year, through Credit Limit (8L) and Spend Eligibility (7.5 in 6 months).

I can easily achieve Spend Criteria. But my Credit Limit was 5L, and seeing that how difficult it is to get LE nowadays, that too to 8L, I lost hope, and got the Swiggy LTF Card. I know that getting Non-Core Card further impacts your ability to get LE.

Now the funny thing is I applied for Swiggy Card, a couple of days back, and it got approved yesterday and also I got an automatic LE for DCB ydy to about 7.5+ Lakhs!

Infinia Credit Limit Eligibility is 8 Lakhs, which I am short of by few thousands. I have two choices now.

1. Close Swiggy Card immediately and ask for another manual LE for DCB after few months
2. Use Swiggy Card for a couple of months, close it, and then ask for LE on DCB

Please suggest of how should I proceed. Please let me know if there are any other choices.

Do
Fd & lein it & increase limit

 

[vishp]

Do
Fd & lein it & increase limit

FD of 8 Lakhs!?

 

[Vasuki]

FD of 8 Lakhs!?

8 = limit rn + fd lien
8 = 7.75 u have + 1 lakh h can lein and make it
7.75 +80k

8.55 lakh

 

[vishp]

8 = limit rn + fd lien
8 = 7.75 u have + 1 lakh h can lein and make it
7.75 +80k

8.55 lakh

I see. Thank you!

 

[vishp]

Any other suggestions from other experts?

 

[Yugi]

Step 1: Ask for Infinia upgrade once you hit 7.5L milestone, write in the mail you have requisite salary and everything
Step 2: If they accept, they will ask you for income documents, if it suits their criteria then they will increase CL to 8 lakh and then upgrade to paid variant of the card.
Step 3: If they deny, just ask for manual LE and send documents once they ask you. Once CL is more than 8L, do Step 1 again.

@vishp This is tried and tested way, worked for 2 of my friends. They have salaries above 2.7L per month so it was easy for them to get CL increase and they had spends on their DCB which worked in their favour. The above method will not work out if they cannot do manual LE more than 8L on your card.

On side note, DCB LTF is more or less good. It also gives access to virtual priority pass. Unless you are hitting the reward multiplier cap or having acceptance issues don't go for paid Infinia.

 

[coolguy1]

LTF DCB > Infinia, if your spends are low.

DCB < Infinia, if your spends are high.

 

[Sriim]

Hi Everyone,

I am having DCB from Last 4 months. My goal was to get Infinia by end of year, through Credit Limit (8L) and Spend Eligibility (7.5 in 6 months).

I can easily achieve Spend Criteria. But my Credit Limit was 5L, and seeing that how difficult it is to get LE nowadays, that too to 8L, I lost hope, and got the Swiggy LTF Card. I know that getting Non-Core Card further impacts your ability to get LE.

Now the funny thing is I applied for Swiggy Card, a couple of days back, and it got approved yesterday and also I got an automatic LE for DCB ydy to about 7.5+ Lakhs!

Infinia Credit Limit Eligibility is 8 Lakhs, which I am short of by few thousands. I have two choices now.

1. Close Swiggy Card immediately and ask for another manual LE for DCB after few months
2. Use Swiggy Card for a couple of months, close it, and then ask for LE on DCB

Please suggest of how should I proceed. Please let me know if there are any other choices.

I had Regalia Gold and Tata Neu Infinity even i asked for manual LE in March 2024 and they provided.

You don't have to close Swiggy card to get manual LE. Cobranded cards might affect auto LE frequency. But doesn't affect manual LE.

Request manual LE after 6 months. As long as you have the income and spends, they'll provide it

 

[girish3456]

Hi Everyone,

I am having DCB from Last 4 months. My goal was to get Infinia by end of year, through Credit Limit (8L) and Spend Eligibility (7.5 in 6 months).

I can easily achieve Spend Criteria. But my Credit Limit was 5L, and seeing that how difficult it is to get LE nowadays, that too to 8L, I lost hope, and got the Swiggy LTF Card. I know that getting Non-Core Card further impacts your ability to get LE.

Now the funny thing is I applied for Swiggy Card, a couple of days back, and it got approved yesterday and also I got an automatic LE for DCB ydy to about 7.5+ Lakhs!

Infinia Credit Limit Eligibility is 8 Lakhs, which I am short of by few thousands. I have two choices now.

1. Close Swiggy Card immediately and ask for another manual LE for DCB after few months
2. Use Swiggy Card for a couple of months, close it, and then ask for LE on DCB

Please suggest of how should I proceed. Please let me know if there are any other choices.

Is your DCB LTF for you

 

[girish3456]

I had Regalia Gold and Tata Neu Infinity even i asked for manual LE in March 2024 and they provided.

You don't have to close Swiggy card to get manual LE. Cobranded cards might affect auto LE frequency. But doesn't affect manual LE.

Request manual LE after 6 months. As long as you have the income and spends, they'll provide it

Is Regalia LTF for you

 

[girish3456]

LTF DCB > Infinia, if your spends are low.

DCB < Infinia, if your spends are high.

Came to know HDFC Bank may remove LTF for DCB and all other cards aswell in future for those who already had a HDFC LTF cards. Is this true. Does anybody had heard such update if that's the case then no point in sticking with the hdfc bank credit card then.

@SSV - can you throw some insight here

 

[Sriim]

Is Regalia LTF for you

Y e s

 

[helloworld]

did you drop a mail and request for upgrade?

and escalate to till pno?

 

[coolguy1]

Came to know HDFC Bank may remove LTF for DCB and all other cards aswell in future for those who already had a HDFC LTF cards. Is this true. Does anybody had heard such update if that's the case then no point in sticking with the hdfc bank credit card then.

@SSV - can you throw some insight here

Taking away LTF from an LTF card is against the policies and you can sue them for that.
(until the product gets discontinued or the bank shuts down - both of which the chances are very less)

Or they might offer you an optional or exciting upgrade at a discounted price which you can opt for based on your choice. 🙂

 

[vishp]

Step 1: Ask for Infinia upgrade once you hit 7.5L milestone, write in the mail you have requisite salary and everything
Step 2: If they accept, they will ask you for income documents, if it suits their criteria then they will increase CL to 8 lakh and then upgrade to paid variant of the card.
Step 3: If they deny, just ask for manual LE and send documents once they ask you. Once CL is more than 8L, do Step 1 again.

@vishp This is tried and tested way, worked for 2 of my friends. They have salaries above 2.7L per month so it was easy for them to get CL increase and they had spends on their DCB which worked in their favour. The above method will not work out if they cannot do manual LE more than 8L on your card.

On side note, DCB LTF is more or less good. It also gives access to virtual priority pass. Unless you are hitting the reward multiplier cap or having acceptance issues don't go for paid Infinia.

Hi! Thank you! I have FYF DCB Metal. So Infinia will be better for me. Will try your suggestion after reaching 7.5L spends.

 

[vishp]

I had Regalia Gold and Tata Neu Infinity even i asked for manual LE in March 2024 and they provided.

You don't have to close Swiggy card to get manual LE. Cobranded cards might affect auto LE frequency. But doesn't affect manual LE.

Request manual LE after 6 months. As long as you have the income and spends, they'll provide it

Thank you for the suggestion! I looked into the TnCs of Swiggy Card and itseems there are multiple exclusions for online 5%, which was the sole reason I was taking it. My DCB seemed better and hence have gone ahead with closure of Swiggy card. Want to keep my CC collection minimal.

 

[vishp]

Is your DCB LTF for you

No. Its FYF DCB METAL. Will request for upgrade after reaching 7.5L spend.

 

[jeevanreddy58]

LTF DCB > Infinia, if your spends are low.

DCB < Infinia, if your spends are high.

What if it is dcb LtF and mostly spends are on gyftr...
3x vs 5X game