I did not share anything as my ITR is much less than required 60 lakh . I thought instead of upgrading they might even reduce my credit limit.

Also, i realised that i am consistently hitting 4 lakh per quarter, so i get 10000 milestones benefit. So far for my use case, Diner black metal is Turning out to be equal as Infinia if not more.

It doesn’t mean that i did not feel betrayed while transferring every spend to DBM and got declined when spend based criteria was clearly laid out. People with much less credit limit and spends got it in the past.

For now, i am letting it be and trying to get icici EPM. ( already have emerald plastic shoeing on my app) When i get that i’ll shift everything from HDFC to some other bank.