Need HDFC classic upgrade ideas for an Infinia credit card holder

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

AQB>=100000

sauravDD wrote:

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

AQB>=100000

thanks...is there anything I can do to speed it up? Can the bank employee do it?

sauravDD wrote:

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

AQB>=100000

I nvr received any invite for classic banking via netbanking despite fulfilling all the eligibility criteria. Where do you see the invite?
In my case I had to contact my RM but he said he'll be sending a link for this and is still sending it

22sumit wrote:
I nvr received any invite for classic banking via netbanking despite fulfilling all the eligibility criteria. Where do you see the invite?
In my case I had to contact my RM but he said he'll be sending a link for this and is still sending it

It should be under offers tab. How old is your account and how much money you maintain every month on an average?

harshak9045 wrote:
It should be under offers tab. How old is your account and how much money you maintain every month on an average?

Account is 1.5 yrs old, MAB would be around 1.5 L

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.

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

jayks wrote:

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.

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. 

whyareyouhere wrote:

I have preferred amount and maintain around 3L minimum balance. Is it even possible to upgrade regalia ltf to infinia ltf cc?

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.

22sumit wrote:

Account is 1.5 yrs old, MAB would be around 1.5 L

ok cool..You'd be getting in offers tab. Once do a quick search in youtube for the type of banner under offers tab.

harshak9045 wrote:

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.

I upgraded to Regalia LTF from Millenia LTF just an year ago. Limit is only 3.5L(have many cc from other banks). If there's no extra benefit other than metal status and no infinia LTF, then it's not worth i guess.

whyareyouhere wrote:

I upgraded to Regalia LTF from Millenia LTF just an year ago. Limit is only 3.5L(have many cc from other banks). If there's no extra benefit other than metal status and no infinia LTF, then it's not worth i guess.

Yeah glad to hear and keep the Regalia LTF and wait if they offer Infinia LTF.. Also, any tips on getting the classic account from HDFC? As, you'd already preferred how old is your account and how much you maintain as AMB?

harshak9045 wrote:
Yeah glad to hear and keep the Regalia LTF and wait if they offer Infinia LTF.. Also, any tips on getting the classic account from HDFC? As, you'd already preferred how old is your account and how much you maintain as AMB?

2L is the min balance for preferred. You can just go to any nearby branch, fill the application for preferred and submit. They'll gladly convert your existing account in a week or so. As preferred banking comes with dedicated banker, one of them may even visit your home too to get the application filled out with signaturs.

whyareyouhere wrote:
2L is the min balance for preferred. You can just go to any nearby branch, fill the application for preferred and submit. They'll gladly convert your existing account in a week or so. As preferred banking comes with dedicated banker, one of them may even visit your home too to get the application filled out with signaturs.

ok cool...will try it out. thanks.

Hello everyone,

Got upgraded to preferred. Thank you so much for your valuable inputs. They mean a lot.

@sauravDD @22sumit @jayks @whyareyouhere

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

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

harshak9045 wrote:

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

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

you deserve it. Enjoy special access.
https://www.hdfcbank.com/personal/save/high-net...

Nighthawk69 wrote:
you deserve it. Enjoy special access.
https://www.hdfcbank.com/personal/save/high-net...

Yeah but I've got upgraded to preferred by RM...

IS it really any good? I didnt find anything appealing

Espionage wrote:

IS it really any good? I didnt find anything appealing

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?

whyareyouhere wrote:

I upgraded to Regalia LTF from Millenia LTF just an year ago. Limit is only 3.5L(have many cc from other banks). If there's no extra benefit other than metal status and no infinia LTF, then it's not worth i guess.

I am using Millennia LTF, from last 6 months I am getting upgrade offer to Regalia whose joining is free.. I think after that I have to pay AMC....How to Identify it's life time free or not?? And if it's paid card then how to Make Regalia card LTF??

harshak9045 wrote:
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?

classic namesake. i dont find it much useful.

prabha.avum wrote:
classic namesake. i dont find it much useful.

oh yeah...Are you getting any better pre approved offers in classic compared to standard?

Rohit80555 wrote:
I am using Millennia LTF, from last 6 months I am getting upgrade offer to Regalia whose joining is free.. I think after that I have to pay AMC....How to Identify it's life time free or not?? And if it's paid card then how to Make Regalia card LTF??

https://applyonline.hdfcbank.com/credit-cards/c...

Check here to check if it's LTF or FYF and renewal benefits. You might try calling the RM and asking for a LTF Regalia. May I know the current limit and upgraded limit?

harshak9045 wrote:
https://applyonline.hdfcbank.com/credit-cards/c...

Check here to check if it's LTF or FYF and renewal benefits. You might try calling the RM and asking for a LTF Regalia. May I know the current limit and upgraded limit?

Thank You.
Current limit is 259000. I don't know they are giving me limit enhancement or not along with card upgrade...

Rohit80555 wrote:
Thank You.
Current limit is 259000. I don't know they are giving me limit enhancement or not along with card upgrade...

Oh ok cool then..But recently one of my friends got his FYF Regalia and the renewal fee is 2,500 + GST but they'll be adding 2,500 RP which might be worth up to 50ps based on your redemption. 

However, the catch is if you're spending a couple of lakhs or so on this card every year relatively you'll be getting more RP and cashback vice versa. 

So, do your math and chose the upgrade wisely. Best Wishes.

harshak9045 wrote:
Oh ok cool then..But recently one of my friends got his FYF Regalia and the renewal fee is 2,500 + GST but they'll be adding 2,500 RP which might be worth up to 50ps based on your redemption. 

However, the catch is if you're spending a couple of lakhs or so on this card every year relatively you'll be getting more RP and cashback vice versa. 

So, do your math and chose the upgrade wisely. Best Wishes.

Thanks you...

@all Little update, Got the imperia upgrade from the preferred. Thank you all for your support. 

@sauravDD @22sumit @jayks @whyareyouhere

harshak9045 wrote:

@all Little update, Got the imperia upgrade from the preferred. Thank you all for your support. 

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.