Hot Deal How I got Infinia Request from HDFC in Span of 4 years after opening account in HDFC

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Deal Lieutenant
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1. I have opened my HDFC account in the year of 2016. After that I changed my preference to HDFC from SBI. My professional Income was being credited into HDFC from then onwards.

2. In the Year of 2017, I have applied for HDFC credit card two to three times and they rejected my application as there was no CIBIL for my PAN Card

3. After getting my first credit card in Kotak Bank (Salaried Account), I waited for one year and maintained the CIBIL by doing payments on time and for that year every month I utilised the entire limit of 20k on my Kotak credit card.

4. One fine day, I entered details in Bank Bazaar as I was looking for a car loan and shocked to see that HDFC approved my Loan without any hurdle. One month after getting approved for the Car loan, they started selling their Regalia First LTF Credit card to me. Although I requested them to give me Diners Variant , They simply gave me the Regalia First one.

5. My limit started with 1 lakh on Regalia first which was issued on April 2018, Shifted entire purchases to Regalia first and slowly they started increasing my credit limit after few months. After reaching a certain limit of 5l, they offered me LTF regalia, then onwards I am not at all using HDFC card until and unless there is a card discount in the sale or for the Smartbuy Insta Vouchers of gyftr.

6.In 2020 january I took Topup loan on my car loan and few months after one more personal Loan in HDFC (both are pre-approved). Two of the loans will be completed by Feb 2021 and there is no single default in the payments.

7. In between , I have asked my Relationship Manager few times to upgrade my card to DIners black or Infinia and she was not that much helpful instead she tried selling other products of HDFC. Contacted grievance redressal Team also and their response was not that much encouraging. So dropped the idea of Infinia Upgrade.

8. Few days back, when I checked the Limit enhancement for my Card and there was a limit enchancement offer of 13L from 10L and I accepted it. Then checked the Upgrade section and shocked to see the offer of MC World INFINIA on my account. Successsfully applied for the card and eagerly waiting for it.

9. When submitting the upgrade request, it showed zero charges for my INFINIA. Need to confirm the same with my Relationship Manager after receiving the card. I hope it will be a LTF card.

163 Comments  |  
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Deal Subedar
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Its ltf don’t worry

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Deal Cadet
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CL as 13L hushed

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Deal Subedar
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I have 7 card with total limit of 13l, and yaha aapko 1 se hi 13 mil gaye great.

Sbi 2.2
Icici 3.1
Hdfc 2.6
Indusind 1
Axis 1.6
Citi 1
Hsbc 1.5

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titamazon wrote:

I have 7 card with total limit of 13l, and yaha aapko 1 se hi 13 mil gaye great.

Sbi 2.2
Icici 3.1
Hdfc 2.6
Indusind 1
Axis 1.6
Citi 1
Hsbc 1.5

I dont know why Axis bank is very reluctant in Issuing a credit card to me. Tried two times and they rejected. my Card limits are as below.

sbi – 0.8
icici- 1.3
indusind – 1.2
HSBC – 1.5
amex – 0.5

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Deal Subedar
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using hdfc cc from 2015. salary account in hdfc.. no loans nothing.. asked some branch ppl to upgrade to diners from regalia but they rejected saying not eligible.. yest rm called and told upgrading to infinia based on my payment history of hdfc cc grinning

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ashishreddy3421869 wrote:

I dont know why Axis bank is very reluctant in Issuing a credit card to me. Tried two times and they rejected. my Card limits are as below.

sbi – 0.8
icici- 1.3
indusind – 1.2
HSBC – 1.5
amex – 0.5

mine .
hdfc 8.4l
sbi 3.4l
kotak 2l
icici 4l
hsbc 1.6l
citi 1.5l
indus 1.8l
bob 1.25l
rbl 4.6l
axis 2.65
stan ch 1l
one card 3l

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TEMPER wrote:

using hdfc cc from 2015. salary account in hdfc.. no loans nothing.. asked some branch ppl to upgrade to diners from regalia but they rejected saying not eligible.. yest rm called and told upgrading to infinia based on my payment history of hdfc cc grinning

Is ur card LTF or FYF

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TEMPER wrote:

mine .
hdfc 8.4l
sbi 3.4l
kotak 2l
icici 4l
hsbc 1.6l
citi 1.5l
indus 1.8l
bob 1.25l
rbl 4.6l
axis 2.65
stan ch 1l
one card 3l

I think you previously got 16 cards.
Did you closed any?

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hotchap wrote:

I think you previously got 16 cards.
Did you closed any?

no..citi ,icici,axis,stan charted 3 variants. amex 2,kotak 2,yes card missed in abv list.. earlier indus 2 cards available now upgraded to pinacle

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Deal Subedar
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TEMPER wrote:

no..citi ,icici,axis,stan charted 3 variants. amex 2,kotak 2,yes card missed in abv list.. earlier indus 2 cards available now upgraded to pinacle

How did you get indus upgraded to pinnacle.. any pointers pls.. have platinum aura card as ltf, but never used yet

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dev007 wrote:

How did you get indus upgraded to pinnacle.. any pointers pls.. have platinum aura card as ltf, but never used yet

i called to cc reg  points redemption.. they told i have an offer to upgrade amex icoinia to pinacle..joining  fee 15k where i can get 15k amz gvs..

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TEMPER wrote:

LTF

are you sure it’s LTF?
I’ve hardly found anyone getting Infinia LTF! Would be great if you can double check with your RM and confirm here.

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Deal Cadet
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TEMPER wrote:

LTF

are you sure it’s LTF?
I’ve hardly found anyone getting Infinia LTF! Would be great if you can double check with your RM and confirm here.

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Deal Lieutenant
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Right now diners is a better card than infinia with partner 10×. My friend upgraded to infinia from diners and now he is regretting the decision

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chai_lover wrote:

are you sure it’s LTF?
I’ve hardly found anyone getting Infinia LTF! Would be great if you can double check with your RM and confirm here.

yes.. he confirmed it was ltf..

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Deal Cadet
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TEMPER wrote:

yes.. he confirmed it was ltf..

awesome… congratulations 🎉

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xxScriptzXx wrote:

Right now diners is a better card than infinia with partner 10×. My friend upgraded to infinia from diners and now he is regretting the decision

which partner u think is useful?

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Deal Subedar
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TEMPER wrote:

yes.. he confirmed it was ltf..

What were your average spends on Regalia before upgrade ?? I have been asking for upgrade but no luck .. not using Regalia unless there is offer ..

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indiansoul wrote:

What were your average spends on Regalia before upgrade ?? I have been asking for upgrade but no luck .. not using Regalia unless there is offer ..

spent around 4/5L this fn yr

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TEMPER wrote:

mine .
hdfc 8.4l
sbi 3.4l
kotak 2l
icici 4l
hsbc 1.6l
citi 1.5l
indus 1.8l
bob 1.25l
rbl 4.6l
axis 2.65
stan ch 1l
one card 3l

Thanks so we can now reach out to you if any card required, smile

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xxScriptzXx wrote:

Right now diners is a better card than infinia with partner 10×. My friend upgraded to infinia from diners and now he is regretting the decision

But reward redeemption is same for diners and regalia if you go for Amazon voucher

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whitewalkers wrote:

But reward redeemption is same for diners and regalia if you go for Amazon voucher

I hold diners close to 5 years now. I generaly redeem for flights, which gives high value for rewards

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chai_lover wrote:

which partner u think is useful?

Right now very few are useful. It totally depends on individual, but I think few more partners would be added soon

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Deal Subedar
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whitewalkers wrote:

Thanks so we can now reach out to you if any card required, smile

stuck_out_tongue
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Deal Subedar
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whitewalkers wrote:

But reward redeemption is same for diners and regalia if you go for Amazon voucher

what about infinia bro? .. for regalia 1420 points we can get 500 amz gv..

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TEMPER wrote:

what about infinia bro? .. for regalia 1420 points we can get 500 amz gv..

I had Mac world regalia. 6600 points for 1k Amazon voucher

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