HDFC does not publish the rule, but members who got upgraded to Diners Club Black Metal usually had spent about ₹5 lakh in six months on their current HDFC card and had a limit of around ₹5 to 6 lakh.
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Upgrades are offered in the app or NetBanking; asking at a branch or by email helps once you meet that level. Remember SmartBuy accelerated points on DCB are capped at 10,000 a month.
Steps that worked
- Spend steadily on your current HDFC card for six months.
- Pay in full, on time.
- Check the Upgrade section in the HDFC app monthly.
- Ask your relationship manager if you have one.
Questions people ask
Is DCB Metal worth the fee?
Yes for people who spend over ₹5 lakh a year and use SmartBuy and points for travel. The fee is waived at high yearly spend.
How we made this: we read long cardholder discussions and guides, kept only what several cardholders confirmed, and wrote it in our own words. Banks change terms often, so check the bank page or the email your bank sent before you act.
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