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

[TechnoFinoTechnoFino is verified member.]

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. 😃

 

[Hihihi]

Anyone know how to apply for HDFC addon card for family member if he doesn't have HDFC account? My RM told me to open new account and then apply if you apply via add on form filling than it will have higher chance of rejection ... Anyone recently applied via add-on form?

Simply call customer service and apply. Sometimes I get amazed at the audacity of HDFC RMs misselling to such extent!

 

[Sriim]

Simply call customer service and apply. Sometimes I get amazed at the audacity of HDFC RMs misselling to such extent!

I don't think you can apply via customer care for a family member without HDFC account. You can easily get via filling form and giving in nearby HDFC branch though. No need to open a new account

 

[pranjal1984]

Finally DCB Metal is getting reflected in Mobile App today. The timeline of my HDFC cards history is
April 2023 Diners Millenia LTF 3.35 L
January 2024 Regalia Gold LTF 3.35 L
May 2025 Diners Club Black FYF 5.00 L

Spends in last one year is more than 8 lakhs. I am also maintaining a Preferred Savings account with AMB more than 10 L.
Only concern will be acceptability of Diners network but will transfer big spends from SBI Cashback to the new card.

 

[Sobirvs]

Finally DCB Metal is getting reflected in Mobile App today. The timeline of my HDFC cards history is
April 2023 Diners Millenia LTF 3.35 L
January 2024 Regalia Gold LTF 3.35 L
May 2025 Diners Club Black FYF 5.00 L

Spends in last one year is more than 8 lakhs. I am also maintaining a Preferred Savings account with AMB more than 10 L.
Only concern will be acceptability of Diners network but will transfer big spends from SBI Cashback to the new card.

how the limit got inc? auto le? or thru docs?

 

[pranjal1984]

how the limit got inc? auto le? or thru docs?

Through income documents. Never got a single LE till now.

 

[Aniket Sharma]

Finally DCB Metal is getting reflected in Mobile App today. The timeline of my HDFC cards history is
April 2023 Diners Millenia LTF 3.35 L
January 2024 Regalia Gold LTF 3.35 L
May 2025 Diners Club Black FYF 5.00 L

Spends in last one year is more than 8 lakhs. I am also maintaining a Preferred Savings account with AMB more than 10 L.
Only concern will be acceptability of Diners network but will transfer big spends from SBI Cashback to the new card.

Don't maintain, they will not consider your bank balance, now cl & spends matter only

 

[pranjal1984]

Don't maintain, they will not consider your bank balance, now cl & spends matter only

What about fat balances like 1 cr+ for Infinia ?

 

[Aniket Sharma]

What about fat balances like 1 cr+ for Infinia ?

You have to maintain it for 3 months to get infinia

 

[pranjal1984]

You have to maintain it for 3 months to get infinia

As per latest promotional snapshot. I saw it . Plus Imperia vintage for 3 months.

 

[Aniket Sharma]

As per latest promotional snapshot. I saw it . Plus Imperia vintage for 3 months.

Yeah, that's correct

 

[rimtesh]

do we need credit limit and spends both or they will bump up the limit automatically provided i spent 9l in last 6 months

 

[Aniket Sharma]

do we need credit limit and spends both or they will bump up the limit automatically provided i spent 9l in last 6 months

Both, sometimes they bump but its rare case

 

[kumarvishwas]

Hi Guys,

I had a query regarding the accelerated reward points on the Infinia Metal card.

As we know Infinia metal has a cap of maximum 15K accelerated reward points per month on Smartbuy, I wanted to understand regarding the cap.

If say a customer makes a transaction worth Rs.10,000 on SmartBuy on 29/05/2025 using Infinia credit card and is expected to receive 1650 accelerated reward points which usually credit in T+4 days where T is the transaction date, if the 1650 reward points are credited on 02/06/2025, will these 1650 reward points be covered under the capping of 15K accelerated points for May 2025 or June 2025?

Just wanted to understand the monthly capping where the transaction is carried out in T month and the accelerated reward points for the transaction are credited in T+1 month.

 

[vadixit]

Hi Guys,

I had a query regarding the accelerated reward points on the Infinia Metal card.

As we know Infinia metal has a cap of maximum 15K accelerated reward points per month on Smartbuy, I wanted to understand regarding the cap.

If say a customer makes a transaction worth Rs.10,000 on SmartBuy on 29/05/2025 using Infinia credit card and is expected to receive 1650 accelerated reward points which usually credit in T+4 days where T is the transaction date, if the 1650 reward points are credited on 02/06/2025, will these 1650 reward points be covered under the capping of 15K accelerated points for May 2025 or June 2025?

Just wanted to understand the monthly capping where the transaction is carried out in T month and the accelerated reward points for the transaction are credited in T+1 month.

It is based on settlement date and not transaction date.

 

[kumarvishwas]

It is based on settlement date and not transaction date.

So points credit date is not equal to settlement date right?

Say transaction is settled on 30/31st May, 2025, so the 1650 points although being credit on 2nd June, would still be considered under the quota of May month?

 

[Sriim]

So points credit date is not equal to settlement date right?

Say transaction is settled on 30/31st May, 2025, so the 1650 points although being credit on 2nd June, would still be considered under the quota of May month?

Yes it'll be considered under May month

 

[siddsa]

Hi Guys

I have recently upgraded to Infinia from DCBM. I believe it was spend criteria in which I got upgraded (CL>20L, spend > 16L) in last six month. Directly sent mail to priority redressal email for upgrade which was approved shortly (3 days)

I hope it helps others in their upgrade process.

 

[sfjohn]

I currently hold Regalia Gold Card since Jan 2024 and has a Credit Limit of 15L. In last six months, I have spent ~11L of which, June bill which generated last week is 3.5L+.
Should I request for Infinia upgrade immediately or should request after completing this month credit card bill payment (Due date is last week of June)? I have auto-pay enabled for bill payment and hence not sure if I pay the bill now, will the auto-pay duplicate the payment.

 

[Sobirvs]

I currently hold Regalia Gold Card since Jan 2024 and has a Credit Limit of 15L. In last six months, I have spent ~11L of which, June bill which generated last week is 3.5L+.
Should I request for Infinia upgrade immediately or should request after completing this month credit card bill payment (Due date is last week of June)? I have auto-pay enabled for bill payment and hence not sure if I pay the bill now, will the auto-pay duplicate the payment.

u can req. the upgrade right away, don't worry abt bill payment. They will still upgrade. Just make sure the actual amount spent is atleast 9L.

 

[nikhilv0303]

I currently hold Regalia Gold Card since Jan 2024 and has a Credit Limit of 15L. In last six months, I have spent ~11L of which, June bill which generated last week is 3.5L+.
Should I request for Infinia upgrade immediately or should request after completing this month credit card bill payment (Due date is last week of June)? I have auto-pay enabled for bill payment and hence not sure if I pay the bill now, will the auto-pay duplicate the payment.

Ensure you’re redeeming all relevant quarterly milestone vouchers before you send the upgrade request