Quickest Roadmap for HDFC DCB Metal/ Infinia

[Druv38]

What's the quickest way to get the HDFC premium cards like HDFC DCB Metal and Infinia? I am eligible for getting a first year free regalia gold or LTF Diner's club privilege.
I have heard that you can get an offer to upgrade to DCB metal despite not meeting the 3L+ Salary criteria if you take either regalia or DCP and spend a certain amount within the next XX months. I would like to know more about it.
I am planning to apply for the regalia just before the next international trip so that I can hit the spending milestones required for the DCB metal card. I have cards with better reward rate like the SBI Cashback and Axis Atlas, but I will be willing to give up on those to be able to get DCB/ DCB Metal.
I am 23 right now, with a 765+ credit score. I also have a salary account with HDFC bank for the past 3 months with a little over 1L salary credit, ITR will be more due to stocks and bonuses. What's the quickest way to get DCB metal?

 

[ashwinikumar900]

My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.

If you didn't have any core cards, then it’s alright to close. I don't think it’s going to be an issue in the future.

 

[Aniket Sharma]

My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.

Bro 2.5 years before RM also told and I got half limit of what I had.

They are just shit people sitting for advising wrong ideas.

 

[ashwinikumar900]

Bro 2.5 years before RM also told and I got half limit of what I had.

They are just shit people sitting for advising wrong ideas.

Couldn’t be more agreeable on the matter of RM, they are completely useless. 😄

 

[Aniket Sharma]

Couldn’t be more agreeable on the matter of RM, they are completely useless. 😄

I mailed preferred banking to remove RM and then they degraded my account to standard and from then I never had any issue.

Got DCBM Last month, without help of RM's

 

[Anindya98]

My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.

Have you applied for a core card after closing your Swiggy card? What was your Swiggy limit and the limit on the new card?

Yes, I agree that getting a core card is difficult, and if you already have a co-branded card, it becomes even harder. You won’t be able to apply directly. In that case, the only way is through the grievance route or via BM/RM. The online option won’t be available, and if you try, there’s a 90% chance it will get rejected.

 

[Anindya98]

Bro 2.5 years before RM also told and I got half limit of what I had.

They are just shit people sitting for advising wrong ideas.

I mailed preferred banking to remove RM and then they degraded my account to standard and from then I never had any issue.

Got DCBM Last month, without help of RM's

This should be the approach.
I shared my experience in a thread where my limit was much lower compared to my other cards. I got the card early in my unsecured credit card journey with no prior relationship with HDFC and tried to get a core card. That’s why I closed my card and started an SB relationship with them.

Regalia Gold Thread 'Kickstarting My Banking Journey with HDFC for Pre-Approved LTF Credit Card Offers! 💳🚀'

Mar 31, 2025

With advice from @SSV & @Anupama_Jha, I reopened my HDFC journey after closing my Tata Neu Plus CC (74K limit) since they refused to upgrade it to Infinity or a core card. Got the 2nd-year fee waived with 87K spends but finally closed it in Jan 2025.

Opened a Max Savings Account on 24th March 2025, received all details the next morning, and the welcome kit was dispatched on 28/03/2025 - Delivered by 30/03/2025.

Welcome Kit Includes:
✅ HDFC New Platinum DC
✅ Passbook
✅ 5 Leaves Cheque Book

However, they sent the New Platinum DC by default, which is pretty...

• Anindya98
• banking credit card credit card offers hdfc hdfc bank account hdfc credit card hdfc infinia card ltf ltf credit card regalia gold
• Replies: 54
• Forum: HDFC Bank Credit Card

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[y2k]

I also have a ICICI Sapphiro LTF with 3L, HSBC Live+ with 3L and SBI cashback with 1.5L limits.

How did you get the Sapphiro LTF?

Get the RG LTF with 1L Saary Criteria

Are you sure that is the criteria for RG LTF? I am in email discussions with them requesting the same or an Infinia. I am atleast double and a lot more on that and other criteria viz a viz that mentioned in this thread.

By spending 8lakh + and having credit limit of 8+ on rg ?

Is it 8+ or 9+?

I just closed my HDFC Swiggy, will apply for Regalia Gold LTF or FYF by speaking with the RM, hoping for the best.

Not necessary, you could have applied it as a floater but that isn't the best route. The other way is to upgrade the card and then if they don't agree then close while transferring the CL to their new card.

My RM told me that I will have to close it to be able to apply for a different card. I also checked on the HDFC Card Apply link that I was unable to apply.
As soon as I closed the Swiggy Card, I was able to apply again. I have heard that they don't give you core cards if you have your first card as a partner card, but once you get a Core Card, you can get a partner card.

That is true but refer to my comment above in this very message. In a similar boat. I was told to take this route. Am still not through it though. Ongoing. What is your update?