Only Premium & Super Premium Cards Discussion

[SmartSave]

So I finally made the move to upgrade my Regalia LTF to DCB FYF. It's on the way.

But they didn't give LE. I'll meet the spend criteria if DCB acceptance is fine but I wonder what else I can do to qualify for Infinia (Other than ITR -- Not Salaried), floor limit is a major challenge unless they're soft with that criteria? Anyone aware?

Also, what are some other things I can do to maximize my chances for an upgrade in next few months?

 

[ccdc]

how did you get dcb fyf?

 

[bugmenot]

I honestly didn't get the relevance of this post in secret group. This should be posted in main forum.

 

[SmartSave]

I honestly didn't get the relevance of this post in secret group. This should be posted in main forum.

To keep it focused among SPC holders (assuming most of them are here). It's not a secret but there is no point of noise from non holders.

how did you get dcb fyf?

Asked them to upgrade? Met their criteria of floor limit + spends.

 

[WandereR]

how did you get dcb fyf?

All cards are fyf when upgraded.

 

[Dexter]

To keep it focused among SPC holders (assuming most of them are here). It's not a secret but there is no point of noise from non holders.


Asked them to upgrade? Met their criteria of floor limit + spends.

But wouldn't it be better to educate the people who are not holding DCB already, hence posting in the open forum!

 

[SmartSave]

But wouldn't it be better to educate the people who are not holding DCB already, hence posting in the open forum!

What's there to educate in this? I'm not jumping line and getting Infinia through some tricks. Regalia to DCB is a standard upgrade which was long due in my case and easy for anyone else too. Mine is focused on the next step for which someone needs to first get DCB and if they did, they're welcome in this group.

 

[MilesMax]

Was it a pre-approved offer? How did you manage to get this upgrade?

 

[noobdipesh]

You can see my journey to infinia. Link: https://www.technofino.in/community...rejection-to-infinia-in-just-1-5-years.17240/

 

[SmartSave]

Was it a pre-approved offer? How did you manage to get this upgrade?

No. Floor limit was above required criteria. Spend criteria also met. Reached out to PNO. Got DCB FYF offered based on profile and internal checks.

 

[SmartSave]

You can see my journey to infinia. Link: https://www.technofino.in/community...rejection-to-infinia-in-just-1-5-years.17240/

Your journey involved ITR which obviously would make things much easier. Mine is non-ITR based.

Congrats btw!!

 

[MilesMax]

No. Floor limit was above required criteria. Spend criteria also met. Reached out to PNO. Got DCB FYF offered based on profile and internal checks.

Is the spend criteria mandatory? Also what is the spend criteria for DCB?

 

[Salvo08]

So I finally made the move to upgrade my Regalia LTF to DCB FYF. It's on the way.

But they didn't give LE. I'll meet the spend criteria if DCB acceptance is fine but I wonder what else I can do to qualify for Infinia (Other than ITR -- Not Salaried), floor limit is a major challenge unless they're soft with that criteria? Anyone aware?

Also, what are some other things I can do to maximize my chances for an upgrade in next few months?

Congratulations. Spend 6-8L during next 6 months and then try your luck for Infinia. But only relevant if your Credit Limit is >8L. Otherwise wait for LE and then beef up your expenditure on DCB.

 

[noobdipesh]

Your journey involved ITR which obviously would make things much easier. Mine is non-ITR based.

Congrats btw!!

Why? You don’t file ITR or the income is low?

 

[Salvo08]

Why? You don’t file ITR or the income is low?

For salaried employees banks usually do not accept/entertain ITR and ask for last three months salary slips and the bank statement, in which salary gets credited. ITR only for self employed.

 

[noobdipesh]

For salaried employees banks usually do not accept/entertain ITR and ask for last three months salary slips and the bank statement, in which salary gets credited. ITR only for self employed.

Have you tried it in HDFC? As SBI doesn't even accept ITR for self employed.

 

[Salvo08]

Have you tried it in HDFC? As SBI doesn't even accept ITR for self employed.

Never had to because of my relationship with the bank except once when I had to share pay slips along with ITR. IDFC does not accept ITR for salaried employees at all.

 

[noobdipesh]

Never had to because of my relationship with the bank except once when I had to share pay slips along with ITR.

So why don't you try once by sharing your ITR and computation of income?

 

[noobdipesh]

IDFC does not accept ITR for salaried employees at all.

I am really annoyed with this. They always ask for bank statement but we don't get salary credit in bank at same date for every month. Also, sometime the amount is very high and something is low. I am unable to get LE because of it in SBICARD

 

[Salvo08]

So why don't you try once by sharing your ITR and computation of income?

I don't have any issue with HDFC. I have what I could want from the Bank. Pretty happy with the bank till date. No unnecessary calls for investment and timely resolution of issues.