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. 😃

 

[sxchzy]

TRY VIA WEBSITE

 

[smuff]

I was booking a hotel on smartbuy using my dcb card but on the payment page I am not getting catcha image to enter in the blank. Hence I couldn't a le to make payment. I am attaching the image please guide

Click on the refresh icon. If doesnt work then try directly from the browser.

 

[Pgoel06]

Click on the refresh icon. If doesnt work then try directly from the browser.

Can I use mmmt vouchers/gift card on the smart buy payment page, since they are asking enter your vouchers code here ?

 

[dapatale]

I have salary account with HDFC preferred banking and my RM is asking for ULIP plan 5lac (1lac per year)for getting INFINIA LTF.
My salary credit is around 1.7
Should I consider this offer

 

[Pavan]

I have salary account with HDFC preferred banking and my RM is asking for ULIP plan 5lac (1lac per year)for getting INFINIA LTF.
My salary credit is around 1.7
Should I consider this offer

I can bet he will step back.. please stay away from such offers

 

[dapatale]

I can bet he will step back.. please stay away from such offers

Should I ask for approval first then only I will go for ULIP

 

[thanix]

Should I ask for approval first then only I will go for ULIP

Are people still doing ULIP in 2023?

If you are still keen, first get the card and then do it. And that too LTF is offered?? He is just closing his target and the fat commission.

 

[dapatale]

Are people still doing ULIP in 2023?

If you are still keen, first get the card and then do it. And that too LTF is offered?? He is just closing his target and the fat commission.

Yes I am not in favor of ULIP but if he can give INFINIA LTF then is this offer good enough to consider??

 

[sm9811911]

Yes I am not in favor of ULIP but if he can give INFINIA LTF then is this offer good enough to consider??

Still No. Think they have 20-40% commission in 1st year. And some more again in remaining years. Infinia gives vouchers for fees paid. So why bother.

 

[dapatale]

Still No. Think they have 20-40% commission in 1st year. And some more again in remaining years. Infinia gives vouchers for fees paid. So why bother.

Salary criteria and Limit on hdfc card does not fullfill that's the issue

 

[sm9811911]

Salary criteria and Limit on hdfc card does not fullfill that's the issue

If you know this, do you think the hdfc credit review system would not? I dont think your rm will be able to override the process/system on his own.

If you dont mind me asking, why do you need infinia? Whats your use case? I feel for someone who doesn't travel much, its not worth the hype.

 

[dapatale]

If you know this, do you think the hdfc credit review system would not? I dont think your rm will be able to override the process/system on his own.

If you dont mind me asking, why do you need infinia? Whats your use case? I feel for someone who doesn't travel much, its not worth the hype.

My spend is around 6-7 lac and travel 6-7 times a year
Currently holding DCB 7.6 lac limit and salary 1.75/m

 

[thanix]

Yes I am not in favor of ULIP but if he can give INFINIA LTF then is this offer good enough to consider??

You have to check the ULIP and compare against the fee paid to see whether it makes sense. I stay away from ULIP and don't mix investment with credit cards.

 

[sm9811911]

My spend is around 6-7 lac and travel 6-7 times a year
Currently holding DCB 7.6 lac limit and salary 1.75/m

Then you're not too far from the criteria anyways. What was the response when you requested them for upgrade over email ?

Anyways, Wait for some time for LE, you may get infina offer from hdfc directly. If possible, spend some more in a couple of months and then request for LE. Spend and Limit are main creteria rather than income.

 

[LordPSN]

Then you're not too far from the criteria anyways. What was the response when you requested them for upgrade over email ?

Anyways, Wait for some time for LE, you may get infina offer from hdfc directly. If possible, spend some more in a couple of months and then request for LE. Spend and Limit are main creteria rather than income.

You will not get Infinia even if you buy 10 lac ULIP.
Your RM is fooling you!

 

[Pgoel06]

I never heard anyone getting infinia ltf ? Is it possible ?

 

[utkarsh442]

Then you're not too far from the criteria anyways. What was the response when you requested them for upgrade over email ?

Anyways, Wait for some time for LE, you may get infina offer from hdfc directly. If possible, spend some more in a couple of months and then request for LE. Spend and Limit are main creteria rather than income.

Had a similar case, i have spends around 7 lakhs in last 6 months on dcb (7.75l limit), they rejected request saying minimum limit required is 10 Lakh

 

[gamersgzb]

I never heard anyone getting infinia ltf ? Is it possible ?

There are many on the forum someone in Chandigarh got metal LTF by opening HDFC account with 30 lakh initial finding

 

[sm9811911]

Had a similar case, i have spends around 7 lakhs in last 6 months on dcb (7.75l limit), they rejected request saying minimum limit required is 10 Lakh

7.5L spend and 8L CL seems to be hurdle. There is a thread which also talks about these numbers.
But yeah, can only push them, no guarantees.

 

[jack333]

There are many on the forum someone in Chandigarh got metal LTF by opening HDFC account with 30 lakh initial finding

Can you please tell who