How To Get HDFC Bank Infinia & DCB Credit Card Easily - New & Upgrade (2024)

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-

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. 😃

anirbanm said:

View attachment 1026
Is this the address we have to send this to?

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yes, check form, you'll get address from there

Chennai Office Address, HDFC Bank Credit Card -

For Regular Post:
Manager, HDFC Bank Cards Division,PO BOX # 8654
Thiruvanmiyur PO Chennai - 600 041

For Courier:
Manager, HDFC Bank Cards Division,# 8, Lattice Bridge Road, Thiruvanmiyur,
Chennai - 600 041

anirbanm said:

Okay ... I'll try my luck for DCB, let's see!
If not, I'll atleast ask for LTF Regalia. They call us, right l?

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Do you have a credit card having 5Lac limit? If yes, from which bank

anirbanm said:

I don't have. My spending is such that I can easily achieve DCB/Regalia fee waiver. I have business moneyback with 75K limit currently.

My plan is following:
To tick 'limit increase and card option' in upgrade form and send to Chennai CC branch. (Main CC branch). I'll be ticking DCB. If they can give DCB LTF, well and good. If they can't, I will be negotiating for Regalia LTF or something in the worst case. I also have preferred banking relationship.

Hoping for something to happen in these lines, let's see.

See Also

About Diners Club | Diners Club InternationalDiners Club - Club CashLifetime Free HDFC Bank Diners Club Black: Alumni Offer – Card MavenHardest Credit Cards to Get Approved For in 2024 - WalletHub

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Ok

I recently applied for HDFC bank credit card through C2C at which point I did not have this knowledge and made an application for Regalia on Citi Card 11.35L, got business regalia with 4L limit, now is there a way around to get Infinia?

@TechnoFino Please guide

anirbanm said:

Is the Regalia that you got LTF?

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Yes

hbajaj052 said:

I recently applied for HDFC bank credit card through C2C at which point I did not have this knowledge and made an application for Regalia on Citi Card 11.35L, got business regalia with 4L limit, now is there a way around to get Infinia?

@TechnoFino Please guide

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no, you have to wait for limit enhancement offer from HDFC, or you may close your card and apply for Infinia... but confirm from your bank before closing regalia.

ankurq7 said:

Curious to know if anyone was succesful in upgrading their DCB to Infinia using this trick?

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I got my upgrade from DCB to Infinia using the grievance redressal method

devmallya said:

I got my upgrade from DCB to Infinia using the grievance redressal method

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Yeah, it works if you meet eligibility. I got Moneyback though I applied for Millenia, so I mailed here. Got it replaced within a month!

devmallya said:

I got my upgrade from DCB to Infinia using the grievance redressal method

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Was this LTF or chargeable?

souvikdey2002 said:

Was this LTF or chargeable?

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Only FYF. Spend based from next year

card_enthusiast said:

I am holding Regalia First LTF with 5.5 lac limit for the last 7 years but never offered upgrade.. will this work for me If I try for DCB.. also as I my current regalia is LTF will HDFC offer DCB too LTF if request for upgrade

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You should be able to get DCB, but LTF is unlikely. They might offer FYF though.

oshan said:

got my DCB to INFI with limit enhancement
not free though, however if you cannot spend 10L on INFI
this card is not meant for you

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why not ? u get RP worth 12.5k on renewal . So practically you're paying GST to hold Infania

It make sense to hold this card even if u pay the renewal fees every year.
You can easily extract more value from this card which offset the GST part that u pay to hold this card

TechnoFino said:

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.

Done!

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I have HDFC Regalia LTF with 6.79L limit and with a credit score of 720+. I recently sent this form to Chennai office but they declined by request saying that I did not meet some internal policies.

Is there any other way to get either DCB or Infinia?

anirbanm said:

What is your spending pattern?

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I use my HDFC card for almost everything and every month I pay credit card bill of at least 70k+.

anirbanm said:

So yearly spends of 8L+ ?

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Yes, I even got milestone benefit of 10K + 5K reward points.