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

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ashishreddy3...

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.

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Vanguard Vanguard
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With all these high credit limits and fancy cards, Does hdfc even have any security option to put limits on the primary card for POS, online and ATM ? All I can see in NetBanking is an option to put limits for add on card, nothing for primary.
All of these options are available even ina sarkari SBI card but missing in HDFC. Largest private bank in India and still in stone age inspite of the circular from RBI.

Deal Cadet Deal Cadet
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I don’t have an addon card. In netbanking its allowing me to set limits on my primary card.

Deal Subedar Deal Subedar
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I have infinia upgrade option available.. but diners seems to have more benefits… what is the advantage of infinia over diners?

Deal Cadet Deal Cadet
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Is it first year free or life time free?

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Deal Subedar Deal Subedar
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Any working customer care number for hdfc cc.. The one behind my card (61606161/18602676161)is not getting me through their stupid IVR, and when I got through, it kept me waiting for over 30 minutes.
Heard they’re providing info about the upgrades over the call, since mine is only cc account and don’t have attached hdfc bank account.

Deal Lieutenant Deal Lieutenant
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which credit card?

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The Alpha The Alpha
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Received my Infinia card today

Deal Subedar Deal Subedar
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Which city and upgrade date?

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The Alpha The Alpha
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Received Diners club black Today

The Alpha The Alpha
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For all complementary memberships of Diners black need to spend 1.5 lakh in 90 days.. what is the best option if no major expenditure is planned ?

Deal Subedar Deal Subedar
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You can look to invest in NPS. Spread your investment in smaller transactions.

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Deal Lieutenant Deal Lieutenant
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You all got LTF cards,HDFC is biased.

Deal Lieutenant Deal Lieutenant
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They shipped my Infinia card today through bluedart

Deal Subedar Deal Subedar
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Yesterday I got my new card ,but today I got a offer spend 12k get 2k ,unable to do any txn in old card

Deal Cadet Deal Cadet
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same for me

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