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Quickest Roadmap for HDFC DCB Metal/ Infinia

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Druv38

Druv38

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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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kvndsz512 said:
whats ur current limit on HDFC?
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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.
 
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Druv38 said:
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.
Click to expand...
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
 
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kvndsz512 said:
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
Click to expand...
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?
 
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Druv38 said:
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?
Click to expand...
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.
 
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