Infinia Seeking Advice on Infinia Upgrade from DCB Metal

[techie_space]

Hello TechnoFino Community,

I currently hold a DCB Metal card with 8L CL.

Over the next two quarters, I have significant planned expenses, including an international holiday and home renovation, totaling approximately ₹8.5L in spends over six months.

I’d like to know what spend threshold would make me eligible for an upgrade to Infinia. By June, my card will be over six months old (issued at the end of 2024).

Regarding income, I don’t declare any tax saving tools like 80C/80D/Home Loan etc., but I can show an in-hand salary of ₹2.3L during the April–June quarter. If required and suggested I can declare them and take the in hand to close to 2.5-2.7L.

Would appreciate any suggestions on how to approach this upgrade request. Initially, I aimed for Infinia but had to settle for DCB Metal, which isn’t bad considering its quarterly milestone benefits. However, I feel that it sometimes encourages unnecessary spending, which might become an issue if I don’t have organic high-value expenses in the future.

Looking forward to your insights!

 

[Slayer]

My first question is why you need Infinia?

 

[elite34700]

I think post the expense you should be good to go for an upgrade. Just mail them and it should be sorted.

 

[sunit123]

Income tax officer can now access your email and social media accounts....Infinia might cause infinite trouble for you

Your email and social media account can be accessed by income tax officers starting next financial year in these cases

Starting April 1, 2026, the income tax department will have the authority to access social media, emails, and other digital spaces to curb tax evasion. This has been granted to them under the new income tax bill. This will also include search and seizure powers over your assets and documents...

economictimes.indiatimes.com

 

[sicko101]

What do you mean you dont declare much in ITR? and expecting in hand 2.3 L?
If you are salaried you have to show your complete income from salary as TDS would be getting dedcuted?

 

[techie_space]

Sorry - I think there is a mis understanding on what I wanted to say. I meant I don't declare tax saving choices to employer. Like 80C / 80D / Home Loan / whatever. I file it during eFiling directly. Never the less, from next FY more or less everyone will switch to New Tax Regime.

So now the thing is that, if at all there is any necessity of salary criteria, I can declare all and push the in-hand to 2.7L for couple of months.

PS: Updated the post, apologies!

 

[techie_space]

My first question is why you need Infinia?

1. I have 2-3 major vacation plans in an year, with at least one booking through MMT. The rewards cap on Diners is quite limiting for MMT (75,000). To maximize rewards, I have to split flight and MMT bookings across different months, and over optimize it. Given the high spending for an international trip, an upgrade would offer a better reward rate.
2. While DCB is great if expenses are strategically planned across quarters, Infinia offers greater overall benefits without the hassle of tracking and planning within a specific period. Yes, there’s a milestone tracker, but I’d prefer a worry-free experience.

 

[msd07]

btw was ur DCB paid or LTF?
Also how is the acceptance of DCBM in india especially stores like dmart.. jewellery shops... etc

 

[msd07]

 

[Slayer]

1. I have 2-3 major vacation plans in an year, with at least one booking through MMT. The rewards cap on Diners is quite limiting for MMT (75,000). To maximize rewards, I have to split flight and MMT bookings across different months, and over optimize it. Given the high spending for an international trip, an upgrade would offer a better reward rate.
2. While DCB is great if expenses are strategically planned across quarters, Infinia offers greater overall benefits without the hassle of tracking and planning within a specific period. Yes, there’s a milestone tracker, but I’d prefer a worry-free experience.

Fair enough .

 

[techie_space]

btw was ur DCB paid or LTF?
Also how is the acceptance of DCBM in india especially stores like dmart.. jewellery shops... etc

It's FYF based on 1.5L spends in 90 days.

Acceptance is good offline (believe me)
I'm really facing issues online! Strange but true!

Overall I'd say 85% acceptance ratio

 

[techie_space]

@msd07 - as per the image posted
Criteria is as follows:

Existing card limit or limit enhancement offer exists for a limit of >= 8L
AND
Spends in last 6months is greater than 6L

Is this the recent criteria, because I've seen people telling limit >=10L and spends >=8L in last 6 months?

 

[Slayer]

It's FYF based on 1.5L spends in 90 days.

Acceptance is good offline (believe me)
I'm really facing issues online! Strange but true!

Overall I'd say 85% acceptance ratio

I'll agree, my father hasn't faced any issues with acceptability of diners offline (as they've partnered up with Rupay) and coinicidentally I've face a few hiccups online than offline wasn't able to pay stamp duty (amex was accepted but not diners 🤣)

 

[kuchbhikuchbhi is verified member.]

View attachment 85596

This image is from which thread.

 

[msd07]

This image is from which thread.

missed it bro.. now search ia showing N number on threads on Infinia

 

[techstrom007]

View attachment 85596

This is old criteria and after sept'24 this was updated.

 

[techstrom007]

@msd07 - as per the image posted
Criteria is as follows:


Is this the recent criteria, because I've seen people telling limit >=10L and spends >=8L in last 6 months?

The criteria in the image was updated in sept last yr.

This is the new criteria.

Net salary 5L is for new cards not upgrades.

 

[Lobogris]

Income tax officer can now access your email and social media accounts....Infinia might cause infinite trouble for you

Your email and social media account can be accessed by income tax officers starting next financial year in these cases

Starting April 1, 2026, the income tax department will have the authority to access social media, emails, and other digital spaces to curb tax evasion. This has been granted to them under the new income tax bill. This will also include search and seizure powers over your assets and documents...

economictimes.indiatimes.com

Can doesn't mean will. There is no way they can access or monitor billions of accounts.

 

[sunit123]

Can doesn't mean will. There is no way they can access or monitor billions of accounts.

billion not required...they will only squeeze more juice from 2 cr who pay income tax..moreover, they will run program on mails to search specific keywords...they will not check manually

 

[sunit123]

1. I have 2-3 major vacation plans in an year, with at least one booking through MMT. The rewards cap on Diners is quite limiting for MMT (75,000). To maximize rewards, I have to split flight and MMT bookings across different months, and over optimize it. Given the high spending for an international trip, an upgrade would offer a better reward rate.
2. While DCB is great if expenses are strategically planned across quarters, Infinia offers greater overall benefits without the hassle of tracking and planning within a specific period. Yes, there’s a milestone tracker, but I’d prefer a worry-free experience.

bro with income of 2.5 lakh, u are planning a spend of 8.5 lakh...you will be pefect bakra for income tax to achieve their targets