Regalia to Infinia upgrade

[navonline7]

I have a Regalia LTF card that I want to upgrade to Infinia. The credit limit on the Regalia card is around 15 lakhs. Since I already fulfill the credit limit criterion, I plan to spend 10+ lakhs in 6 months.

My questions:

• Are school fees and jewellery spends considered for the 10+ lakhs criterion?
• Will I get base rewards for school fees and jewellery spends?

 

[Akshay Ajmera]

Target DCBM first then and then Infinia from DCBM. You would be able to spend little more profitably.

I heard dcbm k baad infinia hona mushkil hai

 

[Aniket Sharma]

I heard dcbm k baad infinia hona mushkil hai

Haa milestone ka lalach bahot bekar hota hai

 

[techie_space]

I heard dcbm k baad infinia hona mushkil hai

Not really. See if yoh are eligible to DCBM based on salary criteria (2.5L take home)

Or check your last 6 months transaction on Regalia Gold. If in case you meet spends critiria for DCBM, go for it now as spending 9L on DCBM is a lot more rewarding than RG.

Then you can upgrade to Infinia

 

[techie_space]

Hi @Sobirvs @Aniket Sharma - One of my friends already hold HDFC Swiggy and applied to DCBM based on salary criteria for which he was eligible. But got rejected stating existing HDFC CC holder. He had requested for Swiggy card closure and request accepted.

Any idea if cool off period to apply DCBM is 3M or 6M?

 

[Aniket Sharma]

Hi @Sobirvs @Aniket Sharma - One of my friends already hold HDFC Swiggy and applied to DCBM based on salary criteria for which he was eligible. But got rejected stating existing HDFC CC holder. He had requested for Swiggy card closure and request accepted.

Any idea if cool off period to apply DCBM is 3M or 6M?

6 month cooldown normally but exceptionally 3-4 months

 

[Sobirvs]

I have regalia gold with limit 12 lakh.
I agree I don't spend much through regalia gold, but I want infinia cc.
Any recommendations how?

most easy way, spend 9L and get infinia.

 

[Sobirvs]

Just confirm
I have hdfc Swiggy as well linked to same limit.
If I spend through that, would it be considered??

No, only on regalia gold.

 

[navonline7]

Are income tax payments considered as spends using Regalia for the 9 lakhs spends criteria?

 

[Aniket Sharma]

Are income tax payments considered as spends using Regalia for the 9 lakhs spends criteria?

Yes but you will not get rewards

 

[Ash8]

I heard dcbm k baad infinia hona mushkil hai

Mushkil hona hoga to kahi se bhi upgrade karo mushkil hi hoga.
Spend criteria is not an official criteria to get infinia, people have had to fight even after achieving it. You have to present your case properly and convincingly that Hdfc should just give Infinia to you.
Still give it a try no matter what. And do it from RG as everybody is suggesting.