How To Get HDFC Bank Infinia & DCB Credit Card Easily - New & Upgrade

[TechnoFino]

HDFC Bank Infinia is the best credit card available in India for frequent air travellers. HDFC Bank market this credit card as an invite only card, but in reality you can actually apply for this card.
Official Eligible Income Criteria For HDFC Infinia- 43L ITR (depends on location)
DCB - 24L ITR
If you don't have ITR of 43L/24L you can still get HDFC Infinia/DCB, you have to fulfil some other criteria.
This information is not available publicly on HDFC Bank website.
Hidden Criteria For "New HDFC Bank Infinia Credit Card" - You can apply for new HDFC Bank Infinia credit card using "Card To Card" method, you need a minimum 1 year old other bank credit card with minimum 10 lakhs credit limit for this.
"New HDFC Bank Diners Club Black Credit Card" - You can apply for new HDFC Bank DCB credit card using "Card To Card" method, you need a minimum 1 year old other bank credit card with minimum 5 lakhs credit limit for this.

If your already have a HDFC Bank credit card, then you have to upgrade your existing card to Infinia/DCB,
For Upgrade To Infinia-
1. You need minimum 8 lakhs credit limit on your existing HDFC Bank Credit card
2. Send an email to- grievance.redressalcc@hdfcbank.com & request for card upgrade, fill up and attach credit card upgrade form with the email.
*Credit card upgrade form (New Version) - attached with this thread.

For Upgrade To DCB-
1. You need minimum 5 lakhs credit limit on your existing HDFC Bank Credit card
2. Send an email to- grievance.redressalcc@hdfcbank.com & request for card upgrade, attach card upgrade form with the email.

Update- HDFC Bank asking for 10 lakhs limit on your existing credit card for infinia upgrade.



So, don't be surprised if hdfc bank ask you for 10L limit. 😃

 

[Revitup]

You'll get Infinia soon ... Hopefully

I think as soon as I hit the 8 or 10 Lakh CL, I will apply for Infinia. Difficult to hit the 7-8 lakhs spend in 6 months condition again though.
Lets see, hope for the best.

 

[Revitup]

Don't overspend for any reason
Whatever it may be

For sure,
I will never manufacture spends for a CC.
DCB is good enough for now, 5 Lakh spend is much easier to get fee waiver also.
Only reason I asked for Infinia was that its widely accepted, have never held a diners card so will get to know if thats true.

 

[vprajnya]

For sure,
I will never manufacture spends for a CC.
DCB is good enough for now, 5 Lakh spend is much easier to get fee waiver also.
Only reason I asked for Infinia was that its widely accepted, have never held a diners card so will get to know if thats true.

Your limit will be 8L+ with the next increment.
Dont worry too much about DCB acceptance, it will work more than 90% of the time.
I have been using Diners as my main card since 2015.

 

[sauchadh]

Tried my luck for Infinia, they asked for income documents to check eligibility for higher credit limit, sent them the ITR from last year (haven't filed yet for this year)
They insisted for this years ITR.
I then asked for DCB and they accepted FYF.
Thanks @TechnoFino for this thread.
Waiting for it now

Did you apply for a fresh DCB ? How did you get 1st year Free ?

 

[Revitup]

Your limit will be 8L+ with the next increment.
Dont worry too much about DCB acceptance, it will work more than 90% of the time.
I have been using Diners as my main card since 2015.

Good to know about the acceptance.
Hope it goes that way and I get Infinia by next year before it gets devalued again.

 

[Revitup]

Did you apply for a fresh DCB ? How did you get 1st year Free ?

It was an upgrade from B.Regalia, they offered on the mail.

 

[sauchadh]

Can we get DCB LTF ? If yes, what is the eligibility criteria ?

 

[bdasultan]

HDFC Bank Infinia is the best credit card available in India for frequent air travellers. HDFC Bank market this credit card as an invite only card, but in reality you can actually apply for this card.
Official Eligible Income Criteria For HDFC Infinia- 43L ITR (depends on location)
DCB - 24L ITR
If you don't have ITR of 43L/24L you can still get HDFC Infinia/DCB, you have to fulfil some other criteria.
This information is not available publicly on HDFC Bank website.
Hidden Criteria For "New HDFC Bank Infinia Credit Card" - You can apply for new HDFC Bank Infinia credit card using "Card To Card" method, you need a minimum 1 year old other bank credit card with minimum 10 lakhs credit limit for this.
"New HDFC Bank Diners Club Black Credit Card" - You can apply for new HDFC Bank DCB credit card using "Card To Card" method, you need a minimum 1 year old other bank credit card with minimum 5 lakhs credit limit for this.

If your already have a HDFC Bank credit card, then you have to upgrade your existing card to Infinia/DCB,
For Upgrade To Infinia-
1. You need minimum 8 lakhs credit limit on your existing HDFC Bank Credit card
2. Send an email to- grievance.redressalcc@hdfcbank.com & request for card upgrade, fill up and attach credit card upgrade form with the email.
*Credit card upgrade form (New Version) - attached with this thread.

For Upgrade To DCB-
1. You need minimum 5 lakhs credit limit on your existing HDFC Bank Credit card
2. Send an email to- grievance.redressalcc@hdfcbank.com & request for card upgrade, attach card upgrade form with the email.

Done!

Hi, thanks for this info! I have a LTF Regalia with 6.86L limit. Do you think I can get Infinia by this method by ticking limit increase + upgrade option? Or should I just apply for limit increase first? (Have no income documents to submit but am a preferred account holder and spent 8 lakhs+ on my regalia in the past 9-10 months). Thanks!

 

[viveksingh1005]

Tried my luck for Infinia, they asked for income documents to check eligibility for higher credit limit, sent them the ITR from last year (haven't filed yet for this year)
They insisted for this years ITR.
I then asked for DCB and they accepted FYF.
Thanks @TechnoFino for this thread.
Waiting for it now

please close it after first year .. i dont see any point paying 12.5k when you cannot recoup the same and there is not avenue to recoup it as well after so much devaluation

 

[Revitup]

please close it after first year .. i dont see any point paying 12.5k when you cannot recoup the same and there is not avenue to recoup it as well after so much devaluation

I would never pay for this card after so much devaluation, I think I will only return it if I cant fulfil the 5 lakh fee waiver milestone.

 

[nitrogenSingh]

5L fee waiver for Infinia?

5L wavier for DCB

8L for plastic infinia
10L for metal infinia

 

[nitrogenSingh]

please close it after first year .. i dont see any point paying 12.5k when you cannot recoup the same and there is not avenue to recoup it as well after so much devaluation

Yup i agree completely, there is no way to get some part of fee back via in form reward points. 12.5k is too much.
If one can spend 5L annually, then definitely go for it. else not good card

 

[ashwink]

5L wavier for DCB

8L for plastic infinia
10L for metal infinia

Why don't request for LTF..

 

[Subhash]

Can I use this method To upgrade 4.87 L Regalia card to DCB.
Also I’m having 6 plus years of relationship with HDFC.

 

[nitrogenSingh]

Can I use this method To upgrade 4.87 L Regalia card to DCB.
Also I’m having 6 plus years of relationship with HDFC.

How long have you been holding regalia?
Spend pattern ?

 

[nitrogenSingh]

HDFC doesn't care about your relationship with them

As per understanding, they care most of the spend pattern and credit limit
Just an observation

 

[Revitup]

Talking about DCB, that's the one I mentioned in getting.
Rs 10,000 and gst

5L fee waiver for Infinia?

 

[nitrogenSingh]

Talking about DCB, that's the one I mentioned in getting.
Rs 10,000 and gst

Can you please share which card you currently hold, its limit, how long have been holding the current card?
By current card i mean the card you had before DCB.

 

[Revitup]

Can you please share which card you currently hold, its limit, how long have been holding the current card?
By current card i mean the card you had before DCB.

Already mentioned yesterday,
B.Regalia 5L since September last year.
I still dont understand, HDFC wants more spends and CL but they only increase your CL when youre not spending as much.

 

[Subhash]

How long have you been holding regalia?
Spend pattern ?

Regalia for 1 to 2 years. Regalia First prior to that.
I use to spend for hdfc offers, PayZapp, and offline spends.
now moved offline spends to StanC ultimate.