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

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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. 😃

 

[nikhilv0303]

Has anyone been able to score DCB LTF to DCBM LTF?

 

[Sobirvs]

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

as long as he has gotten all the coupons of milestone, then no issue. Also 5kx2 flight voucher on 5L/7.5L milestone will work only when the rest of the payment is made by regalia gold only (it doesn't have to be his own regalia gold, any regalia gold will work).

 

[Indrajeet100]

as long as he has gotten all the coupons of milestone, then no issue. Also 5kx2 flight voucher on 5L/7.5L milestone will work only when the rest of the payment is made by regalia gold only (it doesn't have to be his own regalia gold, any regalia gold will work).

I have used Regalia Gold milestone flight voucher with DCB Metal after upgrade.

 

[Sobirvs]

I have used Regalia Gold milestone flight voucher with DCB Metal after upgrade.

Very interesting. I just checked my regalia gold voucher with infinia and it is working. Damn..!! Why I didn't knew abt this before ugh... Tysm!

 

[sfjohn]

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

Thank you, I have redeemed 2x 5000 vouchers today.

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.

Thank You. Are there any exclusions for the spends? My Smartbuy portal benefits page shows 9.48L spends for last 5 months (Jan 2 to June 2). If I include Dec spends, it should be well above 11L for 6 months. Should I exclude any spends ? There is a 2L education fee and ~ 50-70k in smartbuy vouchers in last 6 months.

 

[nikhilv0303]

Thank you, I have redeemed 2x 5000 vouchers today.


Thank You. Are there any exclusions for the spends? My Smartbuy portal benefits page shows 9.48L spends for last 5 months (Jan 2 to June 2). If I include Dec spends, it should be well above 11L for 6 months. Should I exclude any spends ? There is a 2L education fee and ~ 50-70k in smartbuy vouchers in last 6 months.
View attachment 100012

The one that is higher is good... send them 11L in last 6 months.. don't exclude anything

 

[nikhilv0303]

Has anyone been able to score DCB LTF to DCBM LTF?

Has anyone been to upgrade LTF to LTF for DBCM?

 

[Sobirvs]

Thank you, I have redeemed 2x 5000 vouchers today.


Thank You. Are there any exclusions for the spends? My Smartbuy portal benefits page shows 9.48L spends for last 5 months (Jan 2 to June 2). If I include Dec spends, it should be well above 11L for 6 months. Should I exclude any spends ? There is a 2L education fee and ~ 50-70k in smartbuy vouchers in last 6 months.
View attachment 100012

no all spends are considered retail spends. Even emi's are considered. Just refund/reversals are subtracted, all other spends are fine.

 

[kiwi195]

Is 7.7L limit and 8.5L spends in 6 months good enough for requesting an upgrade from DCB metal to Infinia?

 

[nikhilv0303]

Is 7.7L limit and 8.5L spends in 6 months good enough for requesting an upgrade from DCB metal to Infinia?

Tough, but you can try mailing grievance and pno and also mention you’re facing issues of DCB acceptance due to which it’s becoming difficult to spend higher

 

[sfjohn]

The one that is higher is good... send them 11L in last 6 months.. don't exclude anything

no all spends are considered retail spends. Even emi's are considered. Just refund/reversals are subtracted, all other spends are fine.

I emailed HDFC grievance.redressalcc requesting for Card Upgrade last week and I received the reply for sending Card Upgrade form and Salary Slips to chennai. I send only the card upgrade form without the salary slips and I got the below reply yesterday.


I got my first HDFC card in 2005 which was 20 years ago. There should have been some very minor changes to my signature over the years. Moreover, I am sure I must have signed the application forms 20 years ago in a hurry without giving much importance the signatures. Could you please advise on how to proceed with this?

 

[Axelblaze]

I currently hold Regalia Gold with CL of 5.81 lakhs. My spends easily crossed 10 lakhs in the past 6 months . Which card I should request to upgrade to ? Do we need to send the salary slips along with card upgrade form ? Is it mandatory ? I am bit hesistant on this because my take home got reduced due to salary advance and tax deduction arrears for the past three months.

Experts need your guidance on this. Please share your valuable inputs

 

[elite34700]

I emailed HDFC grievance.redressalcc requesting for Card Upgrade last week and I received the reply for sending Card Upgrade form and Salary Slips to chennai. I send only the card upgrade form without the salary slips and I got the below reply yesterday.
View attachment 101307

I got my first HDFC card in 2005 which was 20 years ago. There should have been some very minor changes to my signature over the years. Moreover, I am sure I must have signed the application forms 20 years ago in a hurry without giving much importance the signatures. Could you please advise on how to proceed with this?

You can send a consent from your registered email address with hdfc agreeing to the conversion of reward points at prevailing ratio and agreeing to the pricing of first year free and post that you’re okay to pay annual charges if spend criteria is not met. That should do the trick. Explicitly write that you’re travelling and cannot physically sign , hence giving a consent over an email. ( make sure you send from registered email ID ) . This’ll work.

 

[elite34700]

I currently hold Regalia Gold with CL of 5.81 lakhs. My spends easily crossed 10 lakhs in the past 6 months . Which card I should request to upgrade to ? Do we need to send the salary slips along with card upgrade form ? Is it mandatory ? I am bit hesistant on this because my take home got reduced due to salary advance and tax deduction arrears for the past three months.

Experts need your guidance on this. Please share your valuable inputs

If you’re take home is < 4 L don’t aim for infinia , humble suggestion would be go for dcb . Simple logic ; limit = netx2 these days with hdfc.