Hmm, HDFC looks set to introduce a metal version of DCB that raises the daily and monthly cap of the current PVC DCB.
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And I also got the same auto upgrade offer to DCB Metal FYF, but I went for Infinia upgrade via RM and got it approved.
It is definitely there in their internal policy, which they will not reveal. They will never admit it through the official channels similar to the spending criteria (xx in 6 months) or other criteria which is not public. You can extract these information from your RM, who generally talk in the back channels with the CC team.
Also, all these criteria can be overcome by the BM and above depending on how you negotiate and your NRV with them.
It’s the policy actually. Nevertheless there’s a solution. Since you meet the spends and the limit already you’ll need a product level approval as far as I know. Talk to your RM and ask to seek the same through product.
Product level approval :
- You are currently using DCB so DCB is managed by a product manager who looks after diners acquisitions and product pool ( number of customers etc ), so giving you an infinia means letting you go from the existing diners pool for which the product manager who owns diners network at hdfc needs to approve . This is product level approval.
- RM is useless : This is a universal problem. This is where you need to talk to minimum of cluster head or a circle head to F**k RMs happiness. Their email IDs will be at the branch.
- 6 months period : Usually policy doesn’t allow an upgrade in < 6 months that’s where you need to seek an exception. Branch banking head approval will supersede this and get you an infinia. Product level approval will be managed by the CC team that’s a small thing.
- You are currently using DCB so DCB is managed by a product manager who looks after diners acquisitions and product pool ( number of customers etc ), so giving you an infinia means letting you go from the existing diners pool for which the product manager who owns diners network at hdfc needs to approve . This is product level approval.
- RM is useless : This is a universal problem. This is where you need to talk to minimum of cluster head or a circle head to F**k RMs happiness. Their email IDs will be at the branch.
- 6 months period : Usually policy doesn’t allow an upgrade in < 6 months that’s where you need to seek an exception. Branch banking head approval will supersede this and get you an infinia. Product level approval will be managed by the CC team that’s a small thing.
Branch banking head approval also not reqd , straight away product level approval is enough.
You cannot. Product won’t handle CRM, talk to branch banking leadership. Alternatively kindly DM, let’s check this.
I got confused with these 2 contradictory replies.
Finally placed savings/salary account closure request 😅.
kumars_001
TF Select
Does DCB metal gives reward on rental payment and will it count for milestone?
I have a rent of 50k every month. If it's beneficial then will have to convince my owner
I have a rent of 50k every month. If it's beneficial then will have to convince my owner
What benefits you were expecting?
Ltf Infinia ?
Read the previous mail chain.
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