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.

 

[_ayush]

80% is standard in hdfc for any card be it indian oil

This is what they reply. I have made an FD of 4 lakhs. Not sure what they are smoking.

We acknowledge your consent for limit enhancement and clarify that we were unable to process owing to the incorrect enhancement limit mentioned on the mail. In this regard, we would like to confirm that we are willing to review an additional credit limit of Rs.360,000.00 from your existing credit limit assigned in your credit card account.

 

[VasukiVasuki is verified member.]

This is what they reply. I have made an FD of 4 lakhs. Not sure what they are smoking.

We acknowledge your consent for limit enhancement and clarify that we were unable to process owing to the incorrect enhancement limit mentioned on the mail. In this regard, we would like to confirm that we are willing to review an additional credit limit of Rs.360,000.00 from your existing credit limit assigned in your credit card account.

3.6 +5.2 = 7.8 😁

Bruh I highlighted to you about 80 % rule of fd In my first suggestion itself

 

[_ayush]

3.6 +5.2 = 7.8 😁

Bruh I highlighted to you about 80 % rule of fd In my first suggestion itself

yeah so 80% of 4L should be 3,2L right. I sent 3.2L in my previous mail. Not sure how they got 3.6L

 

[VasukiVasuki is verified member.]

yeah so 80% of 4L should be 3,2L right. I sent 3.2L in my previous mail. Not sure how they got 3.6L

Hdfc counting .

 

[_ayush]

@Vasuki @imdjay thanks guys. I am able to see 8.6L credit limit in netbanking.

 

[imdjay]

@Vasuki @imdjay thanks guys. I am able to see 8.6L credit limit in netbanking.

Now you can ask for infinia after spend 🙃

 

[_ayush]

Now you can ask for infinia after spend 🙃

thats the plan. but ironically, now that I can get it, it doesnt seem that great especially compared to dcb ltf.

 

[imdjay]

thats the plan. but ironically, now that I can get it, it doesnt seem that great especially compared to dcb ltf.

if you can get this without any extra effort, its any day better than DCB LTF.

 

[kuchbhikuchbhi is verified member.]

do

thats the plan. but ironically, now that I can get it, it doesnt seem that great especially compared to dcb ltf.

don't chicken out just yet my boy

 

[adldeeps]

You can get manual LE even if u have co branded cards if your salary/ITR qualifies. But 6 months is the cooldown period for manual LE.
So if you can wait for 6 months, use swiggy and then ask for manual LE and ask for upgrade if you get 8L CL.
If you want to upgrade before 6 months, close swiggy and you may get auto LE if you are lucky enough.

My story: I got manual LE from 3.6L to 6L 1 year ago. Then no auto LE as I had tata neu infinity.
I closed Tata neu 2 months back and got auto LE from 6L to 10L.
Now I am trying to get to 7.5L spends in last 6 months them I will ask for upgrade.

Yes learnt this hard way recently. For LE they need atleast a gap of 6 months from previous LE. Similarly for card upgrade they need atleast a gap of 6 months from previous upgrade.

In Nov 2023 I was upgraded to Regalia gold LTF automatically with CL 8.15 but untill then I wasnt aware of 3x 5x game but soon I joined the chase. Then obtained Tata Neu Infinity & Swiggy both. But Couldn't get LE for more than a year now I tried 2-3 times but I am guessing because I have TNI and swigy LE was not happening even though my spends were High. But I was able to get DBC Metal in Jul 2024 and then recently Infinia too in Feb 2025. So chase is over in about 14 months 🙂