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. 😃

 

[idon]

i have a diners privilege with 12L CL. I have made 4.5L spends in last 5 months. Now I have to buy a car, and i have two options:
1. spend 0.5L using DCP and get eligibility for Diners Black
2. spend 3.5L using DCP and be eligible for Infinia

keep in mind that since DCP is a low rewards card, i’ll be taking around 1.5% hit on the MDR. Take home salary post taxes is 3.8L. Any suggestions?

 

[elite34700]

i have a diners privilege with 12L CL. I have made 4.5L spends in last 5 months. Now I have to buy a car, and i have two options:
1. spend 0.5L using DCP and get eligibility for Diners Black
2. spend 3.5L using DCP and be eligible for Infinia

keep in mind that since DCP is a low rewards card, i’ll be taking around 1.5% hit on the MDR. Take home salary post taxes is 3.8L. Any suggestions?

Go for infinia, you’ll get it FYF .

 

[Indrajeet100]

i have a diners privilege with 12L CL. I have made 4.5L spends in last 5 months. Now I have to buy a car, and i have two options:
1. spend 0.5L using DCP and get eligibility for Diners Black
2. spend 3.5L using DCP and be eligible for Infinia

keep in mind that since DCP is a low rewards card, i’ll be taking around 1.5% hit on the MDR. Take home salary post taxes is 3.8L. Any suggestions?

It depends on which card you want. Between Infinia and DCB only issue I feel was monthly cap on accelerated points smartbuy 10k vs 15k, for me it gets hit couple of times in year due to hotel booking otherwise I can get 10k quarterly bonus on DCB which is much more profitable. If your spends are too low and not hitting milestone, should go for Infinia even if some cost now in terms of MDR paid.

 

[nikhilv0303]

Also DCBM, if spends lower than 8 lakhs then renewal fee applicable but no rewards given.
Infinia has same amount of RPs gives for renewal fees... only gst out of pocket

 

[navdeep22]

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.

Just for info, DCB metal doesn't give any reward points on payment of annual fee right?

 

[pranjal1984]

Just for info, DCB metal doesn't give any reward points on payment of annual fee right?

No reward points on annual fees payment for DCB

 

[navdeep22]

No reward points on annual fees payment for DCB

They are giving me DCB metal and BiZ black, because of this reason I am looking for infinia