Queries | DCB LTF and Upgrade

[PavanPavan is verified member.]

Hi All,

I tried my best to convert My DCB to LTF but i was rejected
1) Any criteria to get DCB LTF?
2) My RM is asking me to put request for infinia upgrade after cooling period ,What is cooling period ? Will it be approved ? i don't have So much ITR

 

[Wealth is my birth right!]

Got my Millenia CC (1 lakh limit) upgraded to DCB LTF (5 lakh limit) under Alumni offer.
They asked for degree certificate and proof of employment.

Congratulations and welcome to DCB family buddy.
How many days it took for this upgrade?

 

[akash]

Congratulations and welcome to DCB family buddy.
How many days it took for this upgrade?

Sent the email to grievance Grievance.Redressalcc@hdfcbank.com on October 16th, then followed an email thread asking for documents/consent etc, finally recieved confirmation of LTF DCB and card dispatch details on October 26th

 

[Akshay9512]

Got my Millenia CC (1 lakh limit) upgraded to DCB LTF (5 lakh limit) under Alumni offer.
They asked for degree certificate and proof of employment.

What all was asked exactly? Payslip of around what income? any thing else? My Salary is 1.52 Per month? Is it applicable to me?

 

[akash]

What all was asked exactly? Payslip of around what income? any thing else? My Salary is 1.52 Per month? Is it applicable to me?

Technically they require > 1.75L/month as per eligibility requirements, try it out anyways.

Documents/details asked:
1. Your consent for card upgrade mentioning the last four digits of your current card number.
2. Credit Card variant to be upgraded.
3. Acceptance towards transfer of Reward points from your old HDFC Bank credit card to the new card variant as per the applicable conversion ratio.
4. Degree completion certificate from an institute in Alumni program list
5. Valid proof of employment (payslips)

 

[Akshay9512]

Technically they require > 1.75L/month as per eligibility requirements, try it out anyways.

Documents/details asked:
1. Your consent for card upgrade mentioning the last four digits of your current card number.
2. Credit Card variant to be upgraded.
3. Acceptance towards transfer of Reward points from your old HDFC Bank credit card to the new card variant as per the applicable conversion ratio.
4. Degree completion certificate from an institute in Alumni program list
5. Valid proof of employment (payslips)

Okay Got it! At what income did you apply? If you okay to share

 

[akash]

Okay Got it! At what income did you apply? If you okay to share

Fortunately I got a bonus last month that took my payslip amount to >1.75L (around INR 2.35L). HDFC didn't seem to look into the breakup of the payslip that much 🙂

 

[Wealth is my birth right!]

Fortunately I got a bonus last month that took my payslip amount to >1.75L (around INR 2.35L). HDFC didn't seem to look into the breakup of the payslip that much 🙂

True with hdfc many of their staff don’t know what about gross and net salary lol

 

[PixelNexus007]

Regalia LTF to DCB FYF was accepted for me with just under short of 1L payslip and existing 5L regalia credit limit.

Just curious, do they accept Indian nationals who are foreign university alumni as part of DCB LTF offer?

 

[Wealth is my birth right!]

Regalia LTF to DCB FYF was accepted for me with just under short of 1L payslip and existing 5L regalia credit limit.

Just curious, do they accept Indian nationals who are foreign university alumni as part of DCB LTF offer?

The list didn’t have such mention but like bits pilani kind of Dubai campus will be considered as exceptional

 

[PixelNexus007]

The list didn’t have such mention but like bits pilani kind of Dubai campus will be considered as exceptional

Thanks, I'll meet the 5L annual spend threshold easily. Think I'll email them after 6 months or so after meeting the spend threshold. PS: It's a US based university

 

[kkk]

Regalia LTF to DCB FYF was accepted for me with just under short of 1L payslip and existing 5L regalia credit limit.

Just curious, do they accept Indian nationals who are foreign university alumni as part of DCB LTF offer?

You can try. There is no harm in trying 🙂

 

[kkk]

The list didn’t have such mention but like bits pilani kind of Dubai campus will be considered as exceptional

Can you share the list?

 

[akash]

HDFC LTF DCB Institutes.xlsx

onedrive.live.com

Can you share the list?

 

[Akshay9512]

Fortunately I got a bonus last month that took my payslip amount to >1.75L (around INR 2.35L). HDFC didn't seem to look into the breakup of the payslip that much 🙂

So you basically just shared 1 month payslip?

 

[akash]

So you basically just shared 1 month payslip?

Yep, they didn't specify the number of payslips required. One worked.

 

[Wealth is my birth right!]

Thanks, I'll meet the 5L annual spend threshold easily. Think I'll email them after 6 months or so after meeting the spend threshold. PS: It's a US based university

Good idea!
US based university may be given weightage if u apply for AMex either in US or here...

 

[kkk]

I am NIT Warangal alumni but they told NIT Warangal is not under Alumni program. They are offering FYF DCB. Should I take it?

 

[Wealth is my birth right!]

I am NIT Warangal alumni but they told NIT Warangal is not under Alumni program. They are offering FYF DCB. Should I take it?

IMO yes from 2nd year u can do spend based waivers

 

[ltf4ever]

I am NIT Warangal alumni but they told NIT Warangal is not under Alumni program. They are offering FYF DCB. Should I take it?

i have ltf dcb and still find it difficult to find much value due to limited redemption options. better go for other cards like magnus or infinia that have almost same fees but at least you get equivalent amount of reward points on renewal. Unless your spends are high enough for annual fee waiver.

 

[kkk]

i have ltf dcb and still find it difficult to find much value due to limited redemption options. better go for other cards like magnus or infinia that have almost same fees but at least you get equivalent amount of reward points on renewal.

I have Magnus. Infinia is only invite based. One of the main reason why I am looking for DCB LTF is for unlimited international lounge access for add-on cards. There are very less option for unlimited international lounge for add-on card. For unlimited domestic lounge access on add-on, I have BoB Eterna which has fees of Rs. 2500 but I have used it for more than 3L+, so it's literally free for 2 years(I applied in June 2022).