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Quickest Roadmap for HDFC DCB Metal/ Infinia

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Druv38

Druv38

TF Buzz
What's the quickest way to get the HDFC premium cards like HDFC DCB Metal and Infinia? I am eligible for getting a first year free regalia gold or LTF Diner's club privilege.
I have heard that you can get an offer to upgrade to DCB metal despite not meeting the 3L+ Salary criteria if you take either regalia or DCP and spend a certain amount within the next XX months. I would like to know more about it.
I am planning to apply for the regalia just before the next international trip so that I can hit the spending milestones required for the DCB metal card. I have cards with better reward rate like the SBI Cashback and Axis Atlas, but I will be willing to give up on those to be able to get DCB/ DCB Metal.
I am 23 right now, with a 765+ credit score. I also have a salary account with HDFC bank for the past 3 months with a little over 1L salary credit, ITR will be more due to stocks and bonuses. What's the quickest way to get DCB metal?
 
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Druv38 said:
My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.
Click to expand...
If you didn't have any core cards, then it’s alright to close. I don't think it’s going to be an issue in the future.
 
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Druv38 said:
My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.
Click to expand...
Bro 2.5 years before RM also told and I got half limit of what I had.

They are just shit people sitting for advising wrong ideas.
 
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Druv38 said:
My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.
Click to expand...
Have you applied for a core card after closing your Swiggy card? What was your Swiggy limit and the limit on the new card?

Yes, I agree that getting a core card is difficult, and if you already have a co-branded card, it becomes even harder. You won’t be able to apply directly. In that case, the only way is through the grievance route or via BM/RM. The online option won’t be available, and if you try, there’s a 90% chance it will get rejected.
 
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aniketkr.sharma said:
Bro 2.5 years before RM also told and I got half limit of what I had.

They are just shit people sitting for advising wrong ideas.
Click to expand...
aniketkr.sharma said:
I mailed preferred banking to remove RM and then they degraded my account to standard and from then I never had any issue.

Got DCBM Last month, without help of RM's
Click to expand...
This should be the approach.
I shared my experience in a thread where my limit was much lower compared to my other cards. I got the card early in my unsecured credit card journey with no prior relationship with HDFC and tried to get a core card. That’s why I closed my card and started an SB relationship with them.
Anindya98

Regalia Gold Thread 'Kickstarting My Banking Journey with HDFC for Pre-Approved LTF Credit Card Offers! 💳🚀'

With advice from @SSV & @Anupama_Jha, I reopened my HDFC journey after closing my Tata Neu Plus CC (74K limit) since they refused to upgrade it to Infinity or a core card. Got the 2nd-year fee waived with 87K spends but finally closed it in Jan 2025.

Opened a Max Savings Account on 24th March 2025, received all details the next morning, and the welcome kit was dispatched on 28/03/2025 - Delivered by 30/03/2025.

Welcome Kit Includes:
✅ HDFC New Platinum DC
✅ Passbook
✅ 5 Leaves Cheque Book

However, they sent the New Platinum DC by default, which is pretty...
  • Anindya98
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  • Replies: 34
  • Forum: HDFC Bank Credit Card
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