Need Suggestions on HDFC upgrade

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Last Comment 2024-08-22

2024-08-19

Hi guys

I currently have hdfc diners privilege card with 4.18 L limit.
I wanted an upgrade to I emailed to [email protected] after few days they offered me Regalia Gold but not LTF

I have emailed them again for DCB Metal, if not approved should I get Regalia Gold?

Additional info:

My annual spends have been 10 Lakhs, I received a limit increase to 4.18 L few weeks back only. my card itself is 1 year old.

ITR is below 20L

Please suggest what should the roadmap, in the end I am also looking for Infinia.

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https://www.desidime.com/comments/permalink/10281422

MrMonkey

2024-08-19

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Unlikely for DCB or Infinia approval at that income/credit limit, without 7L spends in last 6months. Take Regalia Gold as it will be 1 step closer to Infinia in future

https://www.desidime.com/comments/permalink/10281436

raghupro

2024-08-19

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If they do not budge, go for it. You can eventually keep climbing up the ladder.

I recently reached out to them asking for a credit limit enhancement up to 10L while it's currently at 5L for my dcb metal. They only gave a meager 23k increase but I still went for it. Anything is better than nothing.

Hopefully once I file my next ITR with better numbers I can approach again for another increase.

End goal is to get infinia but I now feel dcb metal provides better value than infinia for my usage duly considering dcb has quarterly milestone spend benefit of 10k points that I am able to achieve.

Will only go for credit limit enhancement next year and give infinia reserve a shot later if it were to ever launch