Quickest Roadmap for HDFC DCB Metal/ Infinia

[Druv38]

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?

 

[kvndsz512]

whats ur current limit on HDFC?

 

[Druv38]

whats ur current limit on HDFC?

I haven't applied fpr the regalia FYF or DCP LTF yet. Was thinking of waiting till I have major spends incoming so that I can show a good spending in the first 6 months of card issuance.
I did have a Swiggy HDFC which I just closed. That had a limit of 50,000. They just gave it to me without ever asking for income or anything, but I have closed it now.
As mentioned, I do have a Salary Account with HDFC with a little over 1L monthly hitting my account, I also have a ICICI Sapphiro LTF with 3L, HSBC Live+ with 3L and SBI cashback with 1.5L limits.

 

[kvndsz512]

I haven't applied fpr the regalia FYF or DCP LTF yet. Was thinking of waiting till I have major spends incoming so that I can show a good spending in the first 6 months of card issuance.
I did have a Swiggy HDFC which I just closed. That had a limit of 50,000. They just gave it to me without ever asking for income or anything, but I have closed it now.
As mentioned, I do have a Salary Account with HDFC with a little over 1L monthly hitting my account, I also have a ICICI Sapphiro LTF with 3L, HSBC Live+ with 3L and SBI cashback with 1.5L limits.

so the cards which ur telling are they preapproved? bcuz in NetBanking if it is preapproved u can see limit what they are offering

bcuz 5L is the base limit u need for dinners black upgrade also in future apart from spends so what limit ur getting is important

 

[Druv38]

so the cards which ur telling are they preapproved? bcuz in NetBanking if it is preapproved u can see limit what they are offering

bcuz 5L is the base limit u need for dinners black upgrade also in future apart from spends so what limit ur getting is important

Got it, I will wait till they increase my preapproved limit and then apply for either of those cards. Any recommendations on which one I should get out of DCP and Regalia Gold?

 

[Druv38]

I don't see these cards on the netbanking portal. The RM at the HDFC near me said that he will get me these.

 

[Anindya98]

Get the RG LTF with 1L Saary Criteria

 

[rimtesh]

Get the RG LTF with 1L Saary Criteria

What's the process of it ?

 

[6ix9ine]

Get the RG LTF with 1L Saary Criteria

+1, even FYF or paid is fine either.

Recently my friend went straight to Infinia metal FYF from Regalia Gold LTF. Skipping DCB metal.

 

[rimtesh]

By spending 8lakh + and having credit limit of 8+ on rg ?

 

[ashwinikumar900]

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?

Whats the limit of your current HDFC cards? If it is above 5L, your current card will be upgraded into DCB METAL, if bank hasn’t changed their rules.

 

[Anindya98]

What's the process of it ?

Ask your RM/BM to apply based on Salary Criteria, and when you use HDFC as your Salary account, the process will be faster and smoother.

 

[kvndsz512]

I don't see these cards on the netbanking portal. The RM at the HDFC near me said that he will get me these.

then must not be pre-approved it would be normal apply process

 

[rimtesh]

Ask your RM/BM to apply based on Salary Criteria, and when you use HDFC as your Salary account, the process will be faster and smoother.

Don't have a salary account

 

[Anindya98]

Don't have a salary account

Salary Slip will work

 

[sunit123]

Quickest roadmap is to marry son/daughter of MD/CEO

 

[Druv38]

Whats the limit of your current HDFC cards? If it is above 5L, your current card will be upgraded into DCB METAL, if bank hasn’t changed their rules.

I just closed my HDFC Swiggy, will apply for Regalia Gold LTF or FYF by speaking with the RM, hoping for the best.

 

[ashwinikumar900]

I just closed my HDFC Swiggy, will apply for Regalia Gold LTF or FYF by speaking with the RM, hoping for the best.

I do not believe it was necessary to close the Swiggy card. If you wish, you may retain it.

 

[Anindya98]

I just closed my HDFC Swiggy, will apply for Regalia Gold LTF or FYF by speaking with the RM, hoping for the best.

Bad move. HDFC will likely offer a lower limit than your previous card.

 

[Druv38]

Bad move. HDFC will likely offer a lower limit than your previous card.

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.