Hi folks!
I wanted to share my journey to the paid DCB Metal card so that anyone interested may also get it this way.
I had a times prime credit card with HDFC that I closed 3 years back as it was useless. I wanted to get a premium HDFC credit card last year so thought of applying online and it only gave me basic options so I thought I will upgrade it later on and got myself IOCL credit card. I was shocked to receive just 1 lac limit on the credit card so I reached out to the customer care and they said they can't do anything about it as it is just issued. They asked me to come back after 6 months. I waited for 6 months and again reached out to PNO. They asked for documents and I sent via email and offered me a 3.2 Lacs limit. I denied since I needed 5 lacs and immediately closed my credit card. Meanwhile I opened a savings account in HDFC and upgraded to classic banking in hopes of getting pre-approved credit card offers but there were none. I asked the BM and he said you need 1.75 lacs salary credit which I don't have(i have 1.3) and offered me Regalia Gold. I still went ahead and tried to apply online but this time I was getting DCB so went ahead. After 3 days I got rejection. They offered me Regalia Gold via email, I didn't accept. For straight 2 months I was getting Regalia gold as pre-approved in my netbanking with a 5.16 limit. I kept ignoring it and eventually i saw DCB in the offer and I applied again and in 8 minutes my application was approved. I got the card in mail after 4 days.
I went for DCB only as that is the gateway for Infinia in future.
I wanted to share my journey to the paid DCB Metal card so that anyone interested may also get it this way.
I had a times prime credit card with HDFC that I closed 3 years back as it was useless. I wanted to get a premium HDFC credit card last year so thought of applying online and it only gave me basic options so I thought I will upgrade it later on and got myself IOCL credit card. I was shocked to receive just 1 lac limit on the credit card so I reached out to the customer care and they said they can't do anything about it as it is just issued. They asked me to come back after 6 months. I waited for 6 months and again reached out to PNO. They asked for documents and I sent via email and offered me a 3.2 Lacs limit. I denied since I needed 5 lacs and immediately closed my credit card. Meanwhile I opened a savings account in HDFC and upgraded to classic banking in hopes of getting pre-approved credit card offers but there were none. I asked the BM and he said you need 1.75 lacs salary credit which I don't have(i have 1.3) and offered me Regalia Gold. I still went ahead and tried to apply online but this time I was getting DCB so went ahead. After 3 days I got rejection. They offered me Regalia Gold via email, I didn't accept. For straight 2 months I was getting Regalia gold as pre-approved in my netbanking with a 5.16 limit. I kept ignoring it and eventually i saw DCB in the offer and I applied again and in 8 minutes my application was approved. I got the card in mail after 4 days.
I went for DCB only as that is the gateway for Infinia in future.
