Should I upgrade to DCB?

[vineet95]

I currently have a Regalia card with a limit of 6 Lac and am a preferred banking customer. My end goal is Infinia and was wondering if upgrading to DCB can be a problem since it's a Diners Club card.

If I should upgrade, what is the best way to go about it and what are the chances of getting the first year free? Will there be a credit limit increase post upgrade?

 

[SubhankarSubhankar is verified member.]

HDFC do offer FYF upgrade in usual manner. You'll definitely get upgrade later on, both for CL and card

 

[ashwinsid]

I currently have a Regalia card with a limit of 6 Lac and am a preferred banking customer. My end goal is Infinia and was wondering if upgrading to DCB can be a problem since it's a Diners Club card.

If I should upgrade, what is the best way to go about it and what are the chances of getting the first year free? Will there be a credit limit increase post upgrade?

I was/am in the same situation. Had a Regalia with 9.68CL. Was offered DCB (first year free). I asked for Infinia. Was told not possible.

After getting DCB, had lot of issues - Unable to reach human representative o toll free, DCB specific toll free says my card not valid, PIN generation IVR not working. After sorting it a bit, now facing acceptance issues. You DEFINITELY need a backup VISA/MC because you will DEFINITELY face rejection of diners card online and offline also.

Just realize that HDFC wont care of your loyalty etc.

 

[PavanPavan is verified member.]

I was/am in the same situation. Had a Regalia with 9.68CL. Was offered DCB (first year free). I asked for Infinia. Was told not possible.

After getting DCB, had lot of issues - Unable to reach human representative o toll free, DCB specific toll free says my card not valid, PIN generation IVR not working. After sorting it a bit, now facing acceptance issues. You DEFINITELY need a backup VISA/MC because you will DEFINITELY face rejection of diners card online and offline also.

Just realize that HDFC wont care of your loyalty etc.

I accept the lines "HDFC wont care of your loyalty"

 

[sd.ac]

I currently have a Regalia card with a limit of 6 Lac and am a preferred banking customer. My end goal is Infinia and was wondering if upgrading to DCB can be a problem since it's a Diners Club card.

If I should upgrade, what is the best way to go about it and what are the chances of getting the first year free? Will there be a credit limit increase post upgrade?

I've seen examples of upgrades from Regalia to Infinia but more often from DCB to Infinia so for that reason it may be worth taking - given that your goal is an Infinia. Send an email to their grievance redressal team, requesting the upgrade. FYF is the norm for upgrades to DCB and Infinia (mentioned explicitly in their upgrade form).

An Infinia upgrade will need a CL of 8L or beyond and spends of around 7L in the 6 months preceding the upgrade-request. So after your upgrade, write and ask for a CL enhancement. Once the CLE happens, move major expenses to the DCB to meet the spends requirement. The subsequent upgrade is usually straightforward.

The DCB is a good card but does run into acceptance issues so you will have to carry a backup card.

 

[vprajnya]

here is my HDFC card journey
2015 Diners Rewards-> 2017 Diners premium-> 2019 DIners Clubmiles -> Jan2022 Diners Black -> Aug2022 Infinia
Limit Increase- 80K -> 1.15L -> 1.40L -> 3.70L -> 7.20L -> 12.43L

Accept the upgrade to diners black. it is an important step to ur goal of Infinia.
5-10% of places wont accept diners, so you can keep an basic Visa/Mastercard as back.
You will also find alternative places instead of where its not accepted.

Upgrade and limit enhancement are not linked together. Keep checking of the same on the hdfc bank portal.

I have had no major issues with HDFC support team.
DCB has a different team compared to other card and the resolution is always easier and faster.

 

[aswinsegu]

here is my HDFC card journey
2015 Diners Rewards-> 2017 Diners premium-> 2019 DIners Clubmiles -> Jan2022 Diners Black -> Aug2022 Infinia
Limit Increase- 80K -> 1.15L -> 1.40L -> 3.70L -> 7.20L -> 12.43L

Accept the upgrade to diners black. it is an important step to ur goal of Infinia.
5-10% of places wont accept diners, so you can keep an basic Visa/Mastercard as back.
You will also find alternative places instead of where its not accepted.

Upgrade and limit enhancement are not linked together. Keep checking of the same on the hdfc bank portal.

I have had no major issues with HDFC support team.
DCB has a different team compared to other card and the resolution is always easier and faster.

Is you Infinia FYF or LTF upon upgrade?

 

[vprajnya]

Is you Infinia FYF or LTF upon upgrade?

FYF.
Not really worried about it. Will reach the 10L spend limit in October.
Even if its a paid card, since you get points worth the fee amount.
All you need to pay is only GST.
I have already used more than the annual fee worth in lounge access itself.

 

[mojo_jojo123]

FYF.
Not really worried about it. Will reach the 10L spend limit in October.
Even if its a paid card, since you get points worth the fee amount.
All you need to pay is only GST.
I have already used more than the annual fee worth in lounge access itself.

May be you are high on travelling person.. .

 

[vprajnya]

May be you are high on travelling person.. .

My travel is not too high.
Happed to travel international once in August and once in September.
Both the trips had a layover in between.
Bangalore- 2 visits (Business class lounge where they don't accept cards, i used my priority pass even here)
Layover- 4 visits
Departure- 2 visits

$27 * 8 = $216. Its almost 17K INR in todays conversion.

 

[Arosaurabh]

I've seen examples of upgrades from Regalia to Infinia but more often from DCB to Infinia so for that reason it may be worth taking - given that your goal is an Infinia. Send an email to their grievance redressal team, requesting the upgrade. FYF is the norm for upgrades to DCB and Infinia (mentioned explicitly in their upgrade form).

An Infinia upgrade will need a CL of 8L or beyond and spends of around 7L in the 6 months preceding the upgrade-request. So after your upgrade, write and ask for a CL enhancement. Once the CLE happens, move major expenses to the DCB to meet the spends requirement. The subsequent upgrade is usually straightforward.

The DCB is a good card but does run into acceptance issues so you will have to carry a backup card.

Hi, I have just received Axis Magnus card, while i was following up with HDFC for upgrading from Regalia LTF to Infinia LTF, they have not accepted the request but offered instead DCB FYF, I am not sure what to do now, my annual spend would be in range of 10-12L, with the current HDFC credit card devaluation does it makes sense to take this offer and spend (except for Magnus milestone months) remaining amounts on it. Can any of help @Subhankar @Wealth is my birth right! @ashwink @TechnoFino Thanks!

 

[Wealth is my birth right!]

Hi, I have just received Axis Magnus card, while i was following up with HDFC for upgrading from Regalia LTF to Infinia LTF, they have not accepted the request but offered instead DCB FYF, I am not sure what to do now, my annual spend would be in range of 10-12L, with the current HDFC credit card devaluation does it makes sense to take this offer and spend (except for Magnus milestone months) remaining amounts on it. Can any of help @Subhankar @Wealth is my birth right! @ashwink @TechnoFino Thanks!

DCB ask for ltf it’s worth for intl lounges both main and addon unlimited

 

[Arosaurabh]

I have again requested them to reconsider Infinia, or atleast offer DCB LTF or otherwise i will close down this card. Let's see. If they still don't budge, should i accept this FYF offer.

 

[Arosaurabh]

I have again requested them to reconsider Infinia, or atleast offer DCB LTF or otherwise i will close down this card. Let's see. If they still don't budge, should i accept this FYF offer.

Update : I was refused DCB LTF and have given closure of request with only offer of FYF and waiver of fee next year on Rs 5L spend. But they said upgradation of card is an ongoing process depending on spend on the card. Should i still take this offer?

 

[Wealth is my birth right!]

Update : I was refused DCB LTF and have given closure of request with only offer of FYF and waiver of fee next year on Rs 5L spend. But they said upgradation of card is an ongoing process depending on spend on the card. Should i still take this offer?

Yes take it and spend with a plan so that u will get infinia upgrade
Other thread there pls search for the tips

 

[Chaitanya-a]

I accept the lines "HDFC wont care of your loyalty"

True. Even though I'm enrolled in their Preferred banking program, no upgrade was given over Moneyback since last 3 years. Their RM is shit as well. Said only bank can upgrade the card. I can't do anything. Don't know what are they paid for?! Maybe for selling ULIPs n all.

 

[Arosaurabh]

Yes take it and spend with a plan so that u will get infinia upgrade
Other thread there pls search for the tips

Thanks for the response, but if i still continue with Regalia LTF , how difficult it would be in future to target Infinia.

 

[WhoU]

True. Even though I'm enrolled in their Preferred banking program, no upgrade was given over Moneyback since last 3 years. Their RM is shit as well. Said only bank can upgrade the card. I can't do anything. Don't know what are they paid for?! Maybe for selling ULIPs n all.

I am in Imperia, I had a huge amount of FD with them. Hold DCB with 11L limit. And yet I was denied Infinia upgrade 🙂
Gave them an ultimatum I will upgrade to Magnus, if not given Infinia. I did that of course.
After devaluation my RM asks if I am looking for Infinia upgrade 🙂
HDFC doesn’t care for loyalty at all.

 

[Chaitanya-a]

I am in Imperia, I had a huge amount of FD with them. Hold DCB with 11L limit. And yet I was denied Infinia upgrade 🙂
Gave them an ultimatum I will upgrade to Magnus, if not given Infinia. I did that of course.
After devaluation my RM asks if I am looking for Infinia upgrade 🙂
HDFC doesn’t care for loyalty at all.

Recently opened account with IDFC First. Will make it my primary account after sometime. Their RM atleast attend the call and take me seriously.
Niyo Global and Fi Money for small transactions. Only Platinum DC of HDFC is worthy for me. Nothing else.