Should I get DCB or wait for Infinia

[Elitecarder]

Currently holding Regalia Gold with CL 6.5L. Been trying to get Infinia for some time. Now trying to meet the spend criteria. I have met the 75% of 9L spend in 4 months, can reach the remaining in 2 months. The issue is the current CL, I have tried multiple times/multiple routes to increase it but none has worked. Now I checked with RM she said I can now upgrade to DCB FYF. After reaching the spend criteria in 6 months what are the chances that I can get Infinia with the current CL or Should I take the DCB now?

 

[jar89]

I got my DCB in Nov 2023 (Regalia CL was 5.23 L and last 6 months spend was 5.5L) and Infinia upgrade in Sep 2024. My CL was only 5.97L against the requirement of 8L CL.
Last 6 months spend was around 10.5 L and total spend was 23 L in the card anniversary year.

 

[Elitecarder]

I got my DCB in Nov 2023 (Regalia CL was 5.23 L and last 6 months spend was 5.5L) and Infinia upgrade in Sep 2024. My CL was only 5.97L against the requirement of 8L CL.
Last 6 months spend was around 10.5 L and total spend was 23 L in the card anniversary year.

Was the upgrade solely based on the spend criteria?

 

[jar89]

Not sure..i send a detailed mail to them with my use cases, the issue with DCB acceptability at international locations, the 10 year relation I have with them, my salary account, loan with HDFC etc..not sure if it helped the approval process..I can paste the mail here if you prefer..

 

[Elitecarder]

Not sure..i send a detailed mail to them with my use cases, the issue with DCB acceptability at international locations, the 10 year relation I have with them, my salary account, loan with HDFC etc..not sure if it helped the approval process..I can paste the mail here if you prefer..

Thanks a lot it would help

 

[jar89]

This is what I did - end to end process
This was in Sep 2024 before they hiked the DCB - Infinia upgrade eligibility criteria.

Asked RM to upgrade my salary account to Imperia from Preferred. The criteria is 3L net credit, whereas I only had 2.6 L. He took some approval and got me upgraded to Imperia.

I tried my luck by sending a mail to escalation cc with my use cases and eligibility to get Infinia and they replied to send supporting docs and a letter to their Chennai address.
I send the below letter along with my pay slips, loan account screenshots and last 6 months spend.

My DCB had only 5.97 L limit, but my spends were high.
I hold a Tata Neu Infinity and I don't think its an issue to get Infinia (owning a co-branded card). Not sure though.

I am pasting the letter that I send to them. Hope this helps at least few who are kind of on the same boat.

Mail content:

Hello,

I would like to upgrade my DCB to Infinia along with limit upgrade. Or If I can choose only one, I would like to opt for Infinia.

Below are my use cases/requirements/eligibility for limit and Infinia upgrade.

1) The total spend in my current card anniversary year is ~23 L (as per customer care, when I last checked) and in the past 6 months it's ~10.7 L. So, I have been a high spender and have paid my dues on time in the entire history of CC usage without any defaults.

2) I am an Imperia account holder with my salary credited to HDFC account.

3) I have been a long-term customer with HDFC and holding an account for nearly 9 years and have been using your credit cards for a few years now with high spends.

4) I am having an upcoming purchase of nearly 10 L and would need my limit to be enhanced to pay this expense.

5) An issue with DCB is its acceptability - I had a foreign trip to Azerbaijan in March 2024 and I even enrolled for the Global value program. I had enabled international transactions and yet the DCB card was not accepted in any of the places including Marriott properties or luxury malls in Azerbaijan.
I tried my luck in Qatar during transit and it was rejected there as well.
I have upcoming trips in Dec and Apr to Thailand and Japan and I plan to use my entire spends on HDFC CC for this purpose.
Infinia will be my best bet for this requirement.

6) I am holding a home loan with HDFC of 21 L and have not defaulted on it till date. I have shifted this from AXIS bank to HDFC considering my long term relation with HDFC.

7) I am drawing an In-hand Salary close to 2.6 L now and the total salary is 3.2 L with taxes.
I have switched to a new firm from Aug and still I am using HDFC as the salary account even though AXIS is the preferred bank for my new employer. HDFC has been by salary account for 9 years now.

Based on my spending over the past 6-8 months and the long-term relationship I am holding with HDFC and considering all the above factors that I have mentioned for my upcoming spends, I request to upgrade my card to Infinia with an increased limit of 10 L or above.