Finally a HDFC Imperia Customer

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Post Emperor
marumuganainar
Finally Acheived
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Top Comments
Deal Cadet Deal Cadet
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whats special about hdfc & impria ?

why finally ? is it invitation only ?

Deal Subedar Deal Subedar
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How you achieved it... may you wanna speak about your success journey? 

you maintained balance or did lot of transactions? i mean how you got this invite:)

Post Emperor Post Emperor
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The journey started in March 2018 for a used car loan and was approved in April 2018 at  that time I didn't have an HDFC Bank savings account.

May 2018 I applied for HDFC Credit Card through branch and approved within a week.

I opened a regular  savings account in September 2018 and I didn't  fund anything till 2020.

I paid only a car loan using that account.

Then I made 5 lakhs FD in 2020 and my account  has an offer for an upgrade to classic account.

After few months I closed a deposit and opened an MAMC account with HDFC.

In 2021 I applied for a business loan within a week my loan got approved using land documents.

In 2022 my RM upgraded my account to preferred manually without any FD.

Then i opened multiple current accounts and CC accounts with HDFC.

I made a transaction of at least 5 lakhs per month including credit card bill payment.

Finally my account was upgraded to imperia using invite.

My suggestions

  • Make more transactions in an HDFC account.
    My card was upgraded multiple times from Business Moneyback to Regalia Business
    Maintain an account in the newly opened branch because I transfer my account from the old branch to the newly opened branch after that only I am having a good relationship with the manager and RM.
    Big branches only consider big customers.
    I never get a call for policies from both of them.They asked me one time for ulip and I neglect it immediately.
    I am having only health insurance with HDFC.

28 Comments  |  
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Deal Cadet Deal Cadet
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whats special about hdfc & impria ?

why finally ? is it invitation only ?

Benevolent Benevolent
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U get a free locker, so u can keep ur axis cards locked there🤣.

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Critic Critic
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Congratulations! On finally becoming a nobody joy plus1

Deal Subedar Deal Subedar
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How you achieved it... may you wanna speak about your success journey? 

you maintained balance or did lot of transactions? i mean how you got this invite:)

Post Emperor Post Emperor
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The journey started in March 2018 for a used car loan and was approved in April 2018 at  that time I didn't have an HDFC Bank savings account.

May 2018 I applied for HDFC Credit Card through branch and approved within a week.

I opened a regular  savings account in September 2018 and I didn't  fund anything till 2020.

I paid only a car loan using that account.

Then I made 5 lakhs FD in 2020 and my account  has an offer for an upgrade to classic account.

After few months I closed a deposit and opened an MAMC account with HDFC.

In 2021 I applied for a business loan within a week my loan got approved using land documents.

In 2022 my RM upgraded my account to preferred manually without any FD.

Then i opened multiple current accounts and CC accounts with HDFC.

I made a transaction of at least 5 lakhs per month including credit card bill payment.

Finally my account was upgraded to imperia using invite.

My suggestions

  • Make more transactions in an HDFC account.
    My card was upgraded multiple times from Business Moneyback to Regalia Business
    Maintain an account in the newly opened branch because I transfer my account from the old branch to the newly opened branch after that only I am having a good relationship with the manager and RM.
    Big branches only consider big customers.
    I never get a call for policies from both of them.They asked me one time for ulip and I neglect it immediately.
    I am having only health insurance with HDFC.

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Deal Captain Deal Captain
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Why is there a Ghanta symbol below the statement Welcome to imperia banking

Deal Newbie Deal Newbie
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Hey first of all congrats,

But one thing I Learnt after gaining imperia status is its completely useless and actually loss for us. Not to undermine your success but imperia gives nothing to us as a customer, not even helpful in gaining Infinia card and on top of thst just for a locker which itself is just 3 4k an year its not worth it to loose so much money by keeping funds in FD or savings account. 

On top of it their concierge is a waste of time as well and even though you are imperia customer don't expect door step banking if you are in a metro where every other customer has a good relation (value/money wise) with hdfc.

All they'll do is call you and sell more stuff and only if you fall for them then may be in return they'll get some of your work done. 

Deal Subedar Deal Subedar
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mhm good insights yes as along you have classic and above its only good for good credit card upgrades more than regalia is possible 

but as the OP said , newly opened branches will give you this perk easily and not in metro as you said no door step banking

so yes it all depends on the branch we have account with no matter the account status of classic or preferred or imperia

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Deal Newbie Deal Newbie
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I don't find any useful with Imperia, when I enquired about lockers they are saying you need to buy a policy from them biggrin

Post Emperor Post Emperor
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Policy not needed for locker.with imperia
Go and fight with RM and Manager
Just today I confirmed with the RM locker was given free for imperia customer.

One simple solution is to make a cash deposit of Rs.100 and you get a feedback link from HDFC give 1 star rating they come your way. 
Rating was the most important for HDFC branch staff.
Deal Cadet Deal Cadet
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Congrats. This is an achievement (sadly no benefits as such) but still something to be proud about. 

Benevolent Benevolent
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Congratulations 

Imperia is not a invite only program..😂.. sorry to break the news... It requires around 10 lac to be maintained at group level .. branch May waive it off( smaller towns/cities it can be 0 Monthly balance as well) but don't fall in trap of getting free locker and all as they might downgrade you and apply locker charges..

Post Emperor Post Emperor
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Yeah I know but they don't downgrade easily.
RM has an option to maintain their portfolio customers without downgrading any of them.
All in the hands of RM and BM
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Like Magnet Like Magnet
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What to do with the useless imperia account joy

Helpful Helpful
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to show off and write success stories like this 😉
Finance Mentor Finance Mentor
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With hdfc, classic is good, if you want full waiver of lockers, the imperia or whatever...

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