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 (holding 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.
Last edited:
