Alumni route is still available but now the card is FYF instead of LTF.
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Suggest way to get Infinia Upgrade from DCB
- Thread starter Ned_Starks_Head
- Start date
ankitk962
TF Buzz
I was holding DCB since 2019. I used it extensively (8-10 lakhs every year). After getting Magnus, all the spends shifted there. In August, amid the Axis devaluation, I mailed HDFC grievance redressal that I am unable to use DCB at many places and transactions of approx ₹1,00,000 had to be done on other cards. I requested them to upgrade to Infinia LTF. They denied it. Then, I sent the mail to PNO. From them I got the response that they can upgrade my DCB to Infinia FYF. Received the upgraded card in 2 weeks. I have a savings account with HDFC maintaining just MAB of ₹2500.
Ned_Starks_Head
TF Buzz
@Jatin Mangla @ankitk962 @pnvamshi @redcarpet
so, shifting the salary account is must
Cool, I’ll try with that.
PS- should I tell the BM that I’ll do it only if he gets me an infinia?
so, shifting the salary account is must
Cool, I’ll try with that.
PS- should I tell the BM that I’ll do it only if he gets me an infinia?
2 things required: credit limit 8l and spends approx 7.5l.
Yes, always pre-negotiation is a must. Preferably written communication or they raise Infinia request first before your shift account.
Ned_Starks_Head
TF Buzz
Definitely! Tell him you are ready to shift if he'd give you infinia
Ned_Starks_Head
TF Buzz
I met them today, they said they’ll get it done. Any precautions I should take?
Avatar Aang
TF Premier
What was the limit on DCB when you requested for Infinia? I had tried the same but HDFC denied. Escalations didn't work
ankitk962
TF Buzz
The credit limit was 8.26 lakhs.
Ned_Starks_Head
TF Buzz
Did they check salary criteria?
Avatar Aang
TF Premier
Yes. Presently I don't fulfill any of the criterias required for Infinia.
Nifthash
TF Buzz
How much time did it take for the upgrade, after initiating the request?
Team need some input on what is the chance of approval on upgrade to infinia
1. Having LTF DCB with 8 Lakh credit limit
2. Spend about 4.5L in past 3 months
3. More than enough income for infinia
I was thinking about sending a mail to priority redressal stating that I have few big ticket purchase coming up at hometown due to house renovation but can't use my card as DCB is not supported for merchant swipe.
I more thing I have recently opened a savings max account having a good balance ~10L ( emergency fund + trading fund). Not sure if this can be used as a leverage while sending the email for upgrade.
Let me know what do think about probability of approval of infinia upgrade.
Thanks in advancem
1. Having LTF DCB with 8 Lakh credit limit
2. Spend about 4.5L in past 3 months
3. More than enough income for infinia
I was thinking about sending a mail to priority redressal stating that I have few big ticket purchase coming up at hometown due to house renovation but can't use my card as DCB is not supported for merchant swipe.
I more thing I have recently opened a savings max account having a good balance ~10L ( emergency fund + trading fund). Not sure if this can be used as a leverage while sending the email for upgrade.
Let me know what do think about probability of approval of infinia upgrade.
Thanks in advancem
You will get the approval easily - drop a nice note to PNO.
Cakewalk. They'll even give ltf provided you add some more funds.
dexter_greycells
TF Premier
DCB and Infinia are rather similar cards and both have their pros.
- The pro for DCB is the 80k monthly milestone rewards, 2X RPs on dining and annual fee waiver on spends of 5L (That's immaterial for you since you have it LTF). Too much noise is made about DCB's acceptance which isn't that big of an issue.
- The pro for Infinia is a higher daily/monthly bonus RP threshold on HDFC SmartBuy portal, 5X RPs v/s 3X RPs for Gyftr vouchers and no extra surcharge on fuel unlike DCB.
It all depends on your usage. For some people, Infinia may in fact be a downgrade over DCB despite being the supposedly more premium card.
- The pro for DCB is the 80k monthly milestone rewards, 2X RPs on dining and annual fee waiver on spends of 5L (That's immaterial for you since you have it LTF). Too much noise is made about DCB's acceptance which isn't that big of an issue.
- The pro for Infinia is a higher daily/monthly bonus RP threshold on HDFC SmartBuy portal, 5X RPs v/s 3X RPs for Gyftr vouchers and no extra surcharge on fuel unlike DCB.
It all depends on your usage. For some people, Infinia may in fact be a downgrade over DCB despite being the supposedly more premium card.
Last edited:
sv004
TF Premier
Acceptance issue of dcb is real. At many offline and online its not accepted. But no problem at e commerce sites. Also tap and pay never works in diners
Try emailing. If they refuse spend some more (7.5L in 6 months is good enough) and then retry.
If you have patience, once they approve, try to get it ltf or lower threshold fees waiver (5L) instead of 10L
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