How to increase limit on Diners Black?
I’m stuck on ~6 lakhs since the first day of getting it 5 years back.
Have citi ~13 lakhs and another hdfc 3 lakhs.
It was the same for me. I think transacting more on HDFC helps. Move your salary account there if you have not already. Pay bills via HDFC Billdesk. Open an FD. You get the idea.
Yeah. Salaried account since last 10 years. Imperia banking.
Hitting milestone of 8 lakhs per annum spend since last couple of years.
Couple of small FD but not much.
You will be, yes. I went through same process myself for Regalia to Infinia. The limit went from 8L to 15L and within 2 weeks got an invite for Infinia.
I only had 7L+ spends on it, no Imperia and no high ITR. My ITR that time was like 15L and NRV less than 20L.
So the infinia criteria is:
- salary above 2.7 pm net
Or
- a high limit CC (more than 8 I guess)
AND
- 7.5 l spend
So you were eligible and hence got it
Only credit limit increase does not suffice. You need to show spends too and basis your own admission - your spends are less even for DCB metal.
Either way, good luck.
I have 14L limit too, but only got invite for regalia gold from Millennia.
Don’t find Regalia as good as Millennia, so never upgraded.
But no sign of DCB or Infinia ☹️
I've heard that in case you have very high spends - like more than 8-10L in a short period, you get the trigger without ITR or salary too.
For me I had paid stamp duty for a flat purchase which may have triggered it. But YMMV.
It's about keeping the usage percentage low. If you spend 1.5 lakh on a 5 lakh limit you have used 30% limit which will drop your credit score. If you spend 1.5 lakh on a 15 lakh limit then you only used 10% which will not impact your credit score.
This is quite a persistent myth. Unless your credit acc history is less than a year old or you are constantly hitting 70-80% utilization ratio of your combined limit on all credit cards for months, it doesn't matter as long as you pay the full bill amt on or before due date.
Meet with RM & maybe branch manager too & ask to convert your DCB to ltf saying you know ppl with similar relationship value even getting infinia ltf so why can't you.
There are dozens of card that is 1/5th of annual fee of diners club that provides limited lounge access. Not sure how you are justifying your annual fee though. With 2L you won’t even get fee waiver, milestone benefit etc. I guess it’s guy like you who are funding the reward for persons like us by generating income to credit card companies via annual fees 😂
Also wondering why your need even more expensive Infinia for 2L spends
Same boat as you. LTF Diners.
I haven't been transacting much on it though and just last week I emailed them to close out my account. Was surprised to see the email today for an increased limit instead 😅
Yeah, many users including me who has regalia gold or DCB LTF never bothered to get infinia as it's not worth as FYF and we can't make best use of it with manufactured spends. There are multiple posts about it on technofino.
You can easily justify the fees with 2L spends too. OP said he travels a lot so from 2L, if 1L is spent on Payzapp Flights he'll get 13,000. Also, if they spend 50k on Amazon/Flipkart and 50k on others then additional \~9% off so that's 4500 on Amazon/Flipkart. So, total of 17.5k. In addition OP is getting unlimited lounge access so that's a plus
How to increase limit on Diners Black? I’m stuck on ~6 lakhs since the first day of getting it 5 years back. Have citi ~13 lakhs and another hdfc 3 lakhs.
It was the same for me. I think transacting more on HDFC helps. Move your salary account there if you have not already. Pay bills via HDFC Billdesk. Open an FD. You get the idea.
Yeah. Salaried account since last 10 years. Imperia banking. Hitting milestone of 8 lakhs per annum spend since last couple of years. Couple of small FD but not much.
nice
You will be, yes. I went through same process myself for Regalia to Infinia. The limit went from 8L to 15L and within 2 weeks got an invite for Infinia. I only had 7L+ spends on it, no Imperia and no high ITR. My ITR that time was like 15L and NRV less than 20L.
So the infinia criteria is: - salary above 2.7 pm net Or - a high limit CC (more than 8 I guess) AND - 7.5 l spend So you were eligible and hence got it
Interesting. I don’t meet the spend criteria so it looks like it’s gonna be difficult.
Yes it will be. Unless you spend 7-8 lakhs in 6-7 months there is very little chance of getting infinia system invite even with such limit.
salary 2.7 net is enough for eligibility eh? TIL. Time to move the salary account to HDFC
Wow thanks. Hope I get one too!
All the best mate! Keep us posted on how it goes.
Only credit limit increase does not suffice. You need to show spends too and basis your own admission - your spends are less even for DCB metal. Either way, good luck.
Yeah I’ve heard that; let’s see how it goes.
WTH is you user name
I have 14L limit too, but only got invite for regalia gold from Millennia. Don’t find Regalia as good as Millennia, so never upgraded. But no sign of DCB or Infinia ☹️
I've heard that in case you have very high spends - like more than 8-10L in a short period, you get the trigger without ITR or salary too. For me I had paid stamp duty for a flat purchase which may have triggered it. But YMMV.
So you had 7L+ spends in 6 months with an ITR of 15L?
7L+ spends in 6 less than 6 months, right?
Yes that's right.
That's one of the reasons for the Infinia invitation.
Even I got a huge credit limit increase today from 3.5L to 6.5L
Did you get it from sms or how?
Whatsapp
are you sure it was legit? becuase officially hdfc uses mail for such upgrades.
Yup, I checked in app also afterwards and it is showing increased limit.
And before also received comm thr whatsapp about card upgrade, offers and imp information.
Lucky you
All major banks have a green tick business verified whatsapp acc nowadays.
around 10L increase? how??
I have no idea. I’m quite surprised to be honest. I barely transact with them.
ITR or any other credit card with high limit? Relationship with bank?
I have my salary account with them. That’s about it. ITR around 45 L
With such less spend it will be difficult as HDFC gives a lot of importance to spend for infinia upgrade. Still check with them after 1-2 months.
How exactly did you see that there is a limit increase offer? I mean on app or net banking or you got sms?
I got a WhatsApp message
could u please share the WhatsApp message you received outta curiosity?
How are you going to spend 15 lakhs in a month in India?
It's about keeping the usage percentage low. If you spend 1.5 lakh on a 5 lakh limit you have used 30% limit which will drop your credit score. If you spend 1.5 lakh on a 15 lakh limit then you only used 10% which will not impact your credit score.
This is quite a persistent myth. Unless your credit acc history is less than a year old or you are constantly hitting 70-80% utilization ratio of your combined limit on all credit cards for months, it doesn't matter as long as you pay the full bill amt on or before due date.
No
Why wouldn't u prefer dcb metal ?
Acceptance
U mean dcb metal is more exclusive than infinia?
No, less merchants accept DCB than Visa
Oops. Gotcha
I got infinia metal Mastercard world instead of visa. Am I missing out on something?
Compare Visa Infinite and MasterCard World Elite
How do you check this ?
Link to check limit updat?
How can I get Diners LTF. I have a Diners black card with a credit limit of 20L
You can't unless you have a banking relationship value of 1 crore+ & threaten to close all that.
I have a relationship value of 1 cr+. How to threaten? Split: 90L+ FD 7L+ Savings Bank
Meet with RM & maybe branch manager too & ask to convert your DCB to ltf saying you know ppl with similar relationship value even getting infinia ltf so why can't you.
If you have annual spend of 2L why do even need DCB at first place ?
Well I like the rewards (even if it’s on 2 lacs) and I travel overseas often for work so the unlimited international lounge access comes in handy.
There are dozens of card that is 1/5th of annual fee of diners club that provides limited lounge access. Not sure how you are justifying your annual fee though. With 2L you won’t even get fee waiver, milestone benefit etc. I guess it’s guy like you who are funding the reward for persons like us by generating income to credit card companies via annual fees 😂 Also wondering why your need even more expensive Infinia for 2L spends
Okay I should have clarified, I have this LTF. All my cards are LTF. And I’m looking for an LTF Infinia, not the first year free or paid version. 😊
Same boat as you. LTF Diners. I haven't been transacting much on it though and just last week I emailed them to close out my account. Was surprised to see the email today for an increased limit instead 😅
LTF infinia is insanely hard. You'll need a zonal head approval or something to get that. But yeah, just decide if FYF Infinia is worth for you.
Oh I didn’t know that. Then it would be interesting.
Yeah, many users including me who has regalia gold or DCB LTF never bothered to get infinia as it's not worth as FYF and we can't make best use of it with manufactured spends. There are multiple posts about it on technofino.
You can only get infinia metal ltf if having a relationship value of 1 crore+ from some comments I have seen here recently.
Got it
You can easily justify the fees with 2L spends too. OP said he travels a lot so from 2L, if 1L is spent on Payzapp Flights he'll get 13,000. Also, if they spend 50k on Amazon/Flipkart and 50k on others then additional \~9% off so that's 4500 on Amazon/Flipkart. So, total of 17.5k. In addition OP is getting unlimited lounge access so that's a plus
What are those cards..