DCB Metal to Infinia upgrade plan

[airman]

Hi team,
I recently upgraded from a LTF Regalia (limit 4.5 lakhs) to FYF DCB Metal (limit 20 lakhs) in Feb '25. However, I am targeting an upgrade to Infinia. Not possible via the salary route.
For which I am planning to move some of my rent payments and my friends rent payments (~1.5 Lakhs per month total) to my Credit Card via Red-giraffe. Added on with some other personal expenses I am hoping to exceed 9 lakhs of spends in the next 6 months period.

Doubts -

1. Is there any cooldown period before I can ask for an upgrade, given that I was just upgraded recently?
2. If possible what are the chances for the upgrade, given that I would be paying quite a good sum for the surcharge charged by HDFC (1%+gst) and Redgirrafe for the rental payments. Would this be worth the trouble?
3. Would rent payments be fine to be counted as spends for the evaluation of the upgrade criteria?
4. Any other route that I can take?

 

[techstrom007]

1. Existing card which needs to be upgraded must be 6 months old.
2. No
3. Yes
4. Yes, If your existing salary is more than 5L/ month or your account has > 1 Cr deposits.

Upgrade is the most easiest and practical way possible.

 

[airman]

1. Existing card which needs to be upgraded must be 6 months old.
2. No
3. Yes
4. Yes, If your existing salary is more than 5L/ month or your account has > 1 Cr deposits.

Upgrade is the most easiest and practical way possible.

The salary one would not be possible.
Is there any update on the upgrade route via spends in the past 6 months, is it still 8 lakhs?
As mentioned here - https://www.technofino.in/community/threads/query-regarding-hdfc-infinia-upgrade.36395/

 

[AkashTrip]

Hi team,
I recently upgraded from a LTF Regalia (limit 4.5 lakhs) to FYF DCB Metal (limit 20 lakhs) in Feb '25. However, I am targeting an upgrade to Infinia. Not possible via the salary route.
For which I am planning to move some of my rent payments and my friends rent payments (~1.5 Lakhs per month total) to my Credit Card via Red-giraffe. Added on with some other personal expenses I am hoping to exceed 9 lakhs of spends in the next 6 months period.

Doubts -

1. Is there any cooldown period before I can ask for an upgrade, given that I was just upgraded recently?
2. If possible what are the chances for the upgrade, given that I would be paying quite a good sum for the surcharge charged by HDFC (1%+gst) and Redgirrafe for the rental payments. Would this be worth the trouble?
3. Would rent payments be fine to be counted as spends for the evaluation of the upgrade criteria?
4. Any other route that I can take?

Hi Airman, you are having a goo chance to upgrade as few of my friends have already upgraded through expense route
On a separate note , how you were able to increase your limit from 4.5 lakhs to 20 lakhs.
Can you please also share with me as I am also interested to increase my credit limit for Diners black for quite some time but HDFC is not increasing it

 

[itsMrKPK]

Hi team,
I recently upgraded from a LTF Regalia (limit 4.5 lakhs) to FYF DCB Metal (limit 20 lakhs) in Feb '25. However, I am targeting an upgrade to Infinia. Not possible via the salary route.
For which I am planning to move some of my rent payments and my friends rent payments (~1.5 Lakhs per month total) to my Credit Card via Red-giraffe. Added on with some other personal expenses I am hoping to exceed 9 lakhs of spends in the next 6 months period.

Doubts -

1. Is there any cooldown period before I can ask for an upgrade, given that I was just upgraded recently?
2. If possible what are the chances for the upgrade, given that I would be paying quite a good sum for the surcharge charged by HDFC (1%+gst) and Redgirrafe for the rental payments. Would this be worth the trouble?
3. Would rent payments be fine to be counted as spends for the evaluation of the upgrade criteria?
4. Any other route that I can take?

interesting to see that credit limit increase. What was the reason of the huge increase in the limit. throw some light please

 

[airman]

Hey folks I didn't have HDFC as my salary account when I had the Regalia with a limit of 4.5 lakhs.
I requested DCB after I moved my salary account to HDFC, and maybe that was the reason for the huge limit increase?

 

[airman]

Looks like based on this
The upgrade is gonna be impossible, I had just confirmed the possibility of the upgrade a couple of weeks back and the credit card guy said it would be possible.

But called him again today and said that the salary criteria has become mandatory.

Infinia Thread 'Breaking! New HDFC Infinia criteria increased? - Update July 2025'

Jul 5, 2025

Date mentioned is 15-06-2025 on bottom right corner.

Most imp
1. CL requirement increased to 10L.
2. If your CL is increased to 10L recently in last 6 months, then this won't work.

I have tons of questions.

1. Do we need ITR/Salary even if Imperia/infinity RLV/TRV requirement is reached?
2. Is CL/Spends criteria increased only in case of imperia/infinity?

Normal sending email to grievance, is 8L limit still works?

Anyways, make of this what you will.



Source : Twitter

• Sobirvs
• infinia new
• Replies: 83
• Forum: HDFC Bank Credit Card

• 
• 
• 

 

[Indrajeet100]

Hi team,
I recently upgraded from a LTF Regalia (limit 4.5 lakhs) to FYF DCB Metal (limit 20 lakhs) in Feb '25. However, I am targeting an upgrade to Infinia. Not possible via the salary route.
For which I am planning to move some of my rent payments and my friends rent payments (~1.5 Lakhs per month total) to my Credit Card via Red-giraffe. Added on with some other personal expenses I am hoping to exceed 9 lakhs of spends in the next 6 months period.

Doubts -

1. Is there any cooldown period before I can ask for an upgrade, given that I was just upgraded recently?
2. If possible what are the chances for the upgrade, given that I would be paying quite a good sum for the surcharge charged by HDFC (1%+gst) and Redgirrafe for the rental payments. Would this be worth the trouble?
3. Would rent payments be fine to be counted as spends for the evaluation of the upgrade criteria?
4. Any other route that I can take?

How you got limit enhancement from Rs.4.5lacs to Rs.20lacs if you do not meet salary criteria? Here even when I sent them salary slip of 3lacs net they enhanced from 4lacs to 6.2lacs on RG to DCBM upgrade!!
Any case there are plenty of material on forum DCBM vs Infinia. Unless you are heavily into smartbuy vouchers, DCBM is not bad. I have got spend of more than 10lacs in last six months but have decided not to bother fighting for Infinia atleast this year.

 

[Aniket Sharma]

How you got limit enhancement from Rs.4.5lacs to Rs.20lacs if you do not meet salary criteria? Here even when I sent them salary slip of 3lacs net they enhanced from 4lacs to 6.2lacs on RG to DCBM upgrade!!
Any case there are plenty of material on forum DCBM vs Infinia. Unless you are heavily into smartbuy vouchers, DCBM is not bad. I have got spend of more than 10lacs in last six months but have decided not to bother fighting for Infinia atleast this year.

Almost same, but i too have doubt for this huge limit awesome hike

 

[airman]

How you got limit enhancement from Rs.4.5lacs to Rs.20lacs if you do not meet salary criteria? Here even when I sent them salary slip of 3lacs net they enhanced from 4lacs to 6.2lacs on RG to DCBM upgrade!!
Any case there are plenty of material on forum DCBM vs Infinia. Unless you are heavily into smartbuy vouchers, DCBM is not bad. I have got spend of more than 10lacs in last six months but have decided not to bother fighting for Infinia atleast this year.

A while back I was an imperia customer due to family relationship but then we moved our funds away from HDFC. Maybe that could have also contributed to this?
Although at the time of the upgrade I was down to a preferred account. TBH I have no idea how that happened.