Need HDFC classic upgrade ideas for an Infinia credit card holder

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Deal Newbie
harshak9045

Hello everyone,

I'm looking for ideas for my savings bank account with HDFC(1 year old) standard and used to maintain around 10k as that's the basic requirement to upgrade it to classic. I've transferred 2L into that account recently(last week) so the total balance is like 2.2L and using it regularly. 

So, should I visit the branch and fill the form for classic upgrade or wait for auto upgrade invite through netbanking?

PS: I've an Infinia credit card with 11.5L limit which I've got recently. 

PPS: Previously CITI is my primary account and now moving to HDFC as I citi is closing it's operations and sold to axis bank. Thanks.

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Pro Tech Guru Pro Tech Guru
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Maintain 1L for a quarter and you will receive invite . Account using or not does not matter

AQB>=100000

Deal Newbie Deal Newbie
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thanks...is there anything I can do to speed it up? Can the bank employee do it?
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Deal Newbie Deal Newbie
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Visit your home branch, fill the Classic Banking Programme Sign Up form and give it to the RM. Make sure to follow up with them regularly. BTW with 2lac balance you can directly go for Preferred Banking.

Deal Newbie Deal Newbie
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I've filled the form for  home branch update as my nearest HDFC branch last week and should be updated soon. As per RM there classic 2L, preferred 5L and then Imperia 10L. Not sure. He seems really not interested for individual account rather asking for family account. 

Talk-Of-The-Town Talk-Of-The-Town
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I have preferred account and maintain around 3L minimum balance. Is it even possible to upgrade regalia ltf to infinia ltf cc?

Deal Newbie Deal Newbie
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oh cool...how old and how much you used to maintain? As per the receptionist they've stopped giving Infinia LFT since 2021 Oct or so. Only option is FYF Infinia. Yes for your question as per her if the spends are close to 8L in the previous 6 months and Regalia has more than 8L limit. However, after devaluation I don't see much benefit for Infinia except for metal status.

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Deal Newbie Deal Newbie
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Little update, funnily enough after upgrading to preferred through branch got the classic upgrade invite in netbanking....

image


Crazy..it happened exactly after 2 weeks of me transferring 2L into my HDFC bank.

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Deal Cadet Deal Cadet
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IS it really any good? I didnt find anything appealing

image

Deal Newbie Deal Newbie
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I think it's more related to law of diminishing marginal utility. The higher you go the less VFM you get. Currently I'm in preferred and RM so far is so good. 

Are you currently in classic? What kind of services are you actually looking up to?
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Helpful Helpful
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So in a matter of a couple of months,  your HDFC account went from being just a regular account to Preferred and then to Imperia? That's fast work by HDFC.
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Benevolent Benevolent
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I have classic one with zero amb. All these are useless. I have taken loan there is no special discount on processing fee as they mentioned. No premium cc also. And  it's difficult to digest HDFCs net banking ui. Moved all funds to icici..

Deal Newbie Deal Newbie
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Yeah. Actually, I just wanted preferred banking hoping to get back my refreshed pre-approved auto loan of 15L. I've got a two-wheeler loan after that. I have to see if I'll be getting it in the next month. 

With ICICI, I have the privilege banking with 50k MAB. Wealth I can open but It's difficult to maintain both Imperia and ICICI wealth. Probably have to work 3x to maintain both just to park 20L in savings account. 

Deal Newbie Deal Newbie
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Hello all,

After a couple of waiting and changing the variant bookings. Finally, I've taken the delivery of my Tata Altroz XZ+(S) 1.5 Diesel Manual in Downtown Red. Got a pre-approved car loan from ICICI and the process was smooth.

Thank you all for your support smile

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