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. 😃

 

[sfjohn]

For credit card upgrade I had replied to their mail giving consent for upgrade, conversion of points etc. and that did it. Changing signatures is big pain. ...

I had sent the email mentioning the consent for upgrade and conversion of points, annual fees to escalation.cc and grievance.redressalcc. I had also send another physical copy of card upgrade form via post. I have again received the same email from CreditCardOps.Maintenance today (June 29) stating:

We regret to inform that we are unable to process your request for Upgradation of your existing credit card and enhancement of credit limit as signature in the application form does not match with the one maintained in our records. We request you to forward us a fresh instruction duly signed (as maintained in our records) to enable us do the needful.

Meanwhile, I had also received below email from grievance.redressalcc on June 25.

This is with reference to your recent email dated June 24, 2025 regarding your HDFC Bank credit card upgrade request.
Based on your current representation regarding your HDFC Bank Credit Card upgrade request, we have taken up for an appropriate review. We shall respond to you by July 08, 2025 and request you to bear with us in the interim period.

Should I wait till July 8 for the reply from grievance redressal? I believe the reply from CreditCardOps.Maintenance may be in response to the physical copies which I had sent via speed post.

 

[sfjohn]

Update: HDFC Grievance Redressal sent me an email on July 7 requesting for additional consent for

1. Your consent for card upgrade mentioning the last four digits of your current card number.
2. Credit Card variant to be upgraded.
3. Acceptance to scrutinize Credit Bureau reports such as CIBIL, Equifax etc to review eligibility as per credit policies.

I gave them the the consent over email on the same day. However they closed the request on same day and created a new request stating they will respond by July 21. I had raised the the initial upgrade request to Grievance Redressal on June 10, 2025 and now it has been a month. Is it time to escalate to PNO?

Based on your current representation regarding your HDFC Bank Credit Card upgrade request, we have taken up for an appropriate review. We shall respond to you by July 21, 2025 and request you to bear with us in the interim period.

 

[nikhilv0303]

Update: HDFC Grievance Redressal sent me an email on July 7 requesting for additional consent for


I gave them the the consent over email on the same day. However they closed the request on same day and created a new request stating they will respond by July 21. I had raised the the initial upgrade request to Grievance Redressal on June 10, 2025 and now it has been a month. Is it time to escalate to PNO?

That’s how they operate.. wait for 1-2 days and then send a reminder. If they don’t respond to reminder in 1-2 days then raise to PNO

 

[Sobirvs]

Update: HDFC Grievance Redressal sent me an email on July 7 requesting for additional consent for


I gave them the the consent over email on the same day. However they closed the request on same day and created a new request stating they will respond by July 21. I had raised the the initial upgrade request to Grievance Redressal on June 10, 2025 and now it has been a month. Is it time to escalate to PNO?

This is confirmation.

You have been upgraded to infinia.

expect your card to appear at hdfc mycards anytime now.

 

[yash92]

Hi Guys, just received my Regalia Gold with 1.8L CL. My annual income is > 30L but my relationship with HDFC Bank is negligible (hardly any balance because I prefer ICICI). My spends for next 6 months are expected to be in the 8-10L range. So my question is will I then be eligible to upgrade to DCBM or a higher CL is mandatory for the upgrade irrespective of spends and income?

Thanks for your help.

 

[vadixit]

Hi Guys, just received my Regalia Gold with 1.8L CL. My annual income is > 30L but my relationship with HDFC Bank is negligible (hardly any balance because I prefer ICICI). My spends for next 6 months are expected to be in the 8-10L range. So my question is will I then be eligible to upgrade to DCBM or a higher CL is mandatory for the upgrade irrespective of spends and income?

Thanks for your help.

You can try to get better limit by emailing your payslip. You can request limit increase with income proof.

 

[yash92]

You can try to get better limit by emailing your payslip. You can request limit increase with income proof.

I'm self employed so can give ITR. As per bank policy don't think I can request for limit enhancement before first 6 months right? they won't upgrade irrespective of me meeting other 2 criteria of income and spends?

 

[vadixit]

I'm self employed so can give ITR. As per bank policy don't think I can request for limit enhancement before first 6 months right? they won't upgrade irrespective of me meeting other 2 criteria of income and spends?

There are past actions by which we make certain assumptions.
So normally, 3-6 months is cooling period for limit enhancements. What as you have issue even with the first limit provided by bank and 1.8L is just around your monthly income, it seems to be on lower side and ideally a better limit should already be provided. You may try for enhancement as it seems to be on lower side compared to your income.
For upgrade criteria, if you have income then they might upgrade with that only. Spends criteria is considered with limit but I dont think income is also considered with limit. Based on income they give limit so no point checking both.
Lastly, it is not written rules published to public so final decision would be of bank.

 

[yash92]

There are past actions by which we make certain assumptions.
So normally, 3-6 months is cooling period for limit enhancements. What as you have issue even with the first limit provided by bank and 1.8L is just around your monthly income, it seems to be on lower side and ideally a better limit should already be provided. You may try for enhancement as it seems to be on lower side compared to your income.
For upgrade criteria, if you have income then they might upgrade with that only. Spends criteria is considered with limit but I dont think income is also considered with limit. Based on income they give limit so no point checking both.
Lastly, it is not written rules published to public so final decision would be of bank.

I read this in another thread that limit enhancement when availed is counted as a "review" and then to get a card upgrade, one again needs to wait 6 months (as cooling period/freeze) for the next "review". The exception being getting offered both LE+Card upgrade which is very rare. Do you agree? Maybe others can chip in with their experience?

 

[Indrajeet100]

I read this in another thread that limit enhancement when availed is counted as a "review" and then to get a card upgrade, one again needs to wait 6 months (as cooling period/freeze) for the next "review". The exception being getting offered both LE+Card upgrade which is very rare. Do you agree? Maybe others can chip in with their experience?

No I twice asked for limit and upgrade both time they enhanced limit and offered upgrade but after getting salary slips. I wrote mail asking limit is too low and card is not good enough for my profile and relationship. Their response both time was to ask salary slips and on receipt first they will came back saying they are offering x limit and later said ok to offer this card. Between these 2 upgrades I asked for limit enhancement in anticipation of asking upgrade later on six months but was flatly denied saying limit was enhanced less than six months back.