My Secret Method to Get Super-Premium Credit Cards (No Income Proof Needed)

[sunit123]

I am not bragging that i am great investor...It might be sheer luck also but i strongly believe in taking calculated risk rather being biased that only equity can help to achieve FIRE number..Infact my friends with similar income who invested in equity still struggling to achieve FIRE no...They have achieved only 60% till now

 

[itzmycard]

They do not care what is your income...They believe in bank balance which is real...Income is temporary i.e. aaj hain kal nahin hain....Now banks have realized that issuing a CC based on income is most foolish thing...only thing matters is money in hand.

SBI is still stuck with income based approval

 

[sunit123]

SBI is still stuck with income based approval

They hate HNI's and have zero focus on premium customers....They stuck in the loop of servicing low income group which i am not saying they should stop but they should also focus on acquiring premium customers by providing them better service during lunch hours also 😀

They cannot apply same rules for mass and class...Currently, they treat both mass and class equally i.e. socialism

 

[shu_sha_]

HDFC Infinity Banking says 50 L MAB in the savings account for the eligibility.
Infinity Banking also mentions get Exclusive Infinia Metal Credit Card.

Anyone got Infinia via this route....

 

[Giyu-san]

Do Not Attempt This! (If you don't know what you are doing). You will lose your peace of mind, mental health and sanity.

Believe me, I have tried this before. The issue that bankers these days are no longer bankers but insurance sales agents.

I went up to the Regional Manager in HDFC trying to get Infinia. It is so immensely frustrating that the moment they see you they go full on in selling insurance products. They don't even listen to what you are trying to say. "Sir credit card and all you have to pay interest. Look at this guaranteed returns plan. Blah blah blah". Even entering a bank branch is a stressful experience. People surround you from all sides. Even the teller will try to sell you insurance! And then they follow you home too! Your contact will be passed up the chain and in a short time everyone short of Sashidhar Jagdishan and Deepak Parekh will be after you.

Even if you ask for investment advice, they try to sell you insurance. You can't even get a person in a bank branch to have a productive or meaningful conversation! I tried talking to the BM and RM about investment and you can imagine how that went. When I insisted, they asked me to buy Regular MF schemes! In the end I gave up and signed up with Value Research Online for investment advice.

In the end, if you approach the average bank saying you are a HNI they will hound you until the end of days trying to sell insurance.

 

[TechnoFinoTechnoFino is verified member.]

Dada, As per your experience how much NET worth work for which bank/card !!!
Say
20 Lakhs
50 Lakhs
1 CR , 1.5 CR
2 Cr etc.
+ Whom to contact, once have the certificate from CA about Networth.

For these kinds of methods, there is no fixed setup limit. Just contact them and show what you have.

A prime example is Amex issuing me a Centurion invitation. Think about it... if a gareeb person like me can get such a prestigious card invite, then anyone can.

What I’m trying to say is: don’t assume there’s a minimum limit you must reach before requesting anything. It doesn’t work like that. Just contact them and ask.

And in my opinion, the best place to find the right contact is LinkedIn. You can also research bank officials and their email IDs on Google.

Don't need certificate...Keep money in account, they will run after you to take the card

Here I'm talking about without keeping money with the bank initially...

High income leads to high net worth leads to higher income. It's a catch 22 situation unless one has a generational wealth.

Seems like you are a pure salaried person... 😄

 

[TechnoFinoTechnoFino is verified member.]

Do Not Attempt This! (If you don't know what you are doing). You will lose your peace of mind, mental health and sanity.

Believe me, I have tried this before. The issue that bankers these days are no longer bankers but insurance sales agents.

I went up to the Regional Manager in HDFC trying to get Infinia. It is so immensely frustrating that the moment they see you they go full on in selling insurance products. They don't even listen to what you are trying to say. "Sir credit card and all you have to pay interest. Look at this guaranteed returns plan. Blah blah blah". Even entering a bank branch is a stressful experience. People surround you from all sides. Even the teller will try to sell you insurance! And then they follow you home too! Your contact will be passed up the chain and in a short time everyone short of Sashidhar Jagdishan and Deepak Parekh will be after you.

Even if you ask for investment advice, they try to sell you insurance. You can't even get a person in a bank branch to have a productive or meaningful conversation! I tried talking to the BM and RM about investment and you can imagine how that went. When I insisted, they asked me to buy Regular MF schemes! In the end I gave up and signed up with Value Research Online for investment advice.

In the end, if you approach the average bank saying you are a HNI they will hound you until the end of days trying to sell insurance.

2 Banks you should exclude for peace of mind... HDFC and ICICI

 

[hender]

For these kinds of methods, there is no fixed setup limit. Just contact them and show what you have.

A prime example is Amex issuing me a Centurion invitation. Think about it... if a gareeb person like me can get such a prestigious card invite, then anyone can.

What I’m trying to say is: don’t assume there’s a minimum limit you must reach before requesting anything. It doesn’t work like that. Just contact them and ask.

And in my opinion, the best place to find the right contact is LinkedIn. You can also research bank officials and their email IDs on Google.

Here I'm talking about without keeping money with the bank initially...

Seems like you are a pure salaried person... 😄

"Quote of the Millennia/Centurian "... 🫢🤐
Got the essence ✅🫡

 

[✪ D&C Cards Connoisseur 💳]

Have you tried the reconsideration email method?

Chased until PNO for a basic IRCTC SBI CC. It was their fault, they closed my SBI SimplyClick without converting and asked me to apply fresh after 1 month, and now flagged overleverage

 

[TechnoFinoTechnoFino is verified member.]

Chased until PNO for a basic IRCTC SBI CC. It was their fault, they closed my SBI SimplyClick without converting and asked me to apply fresh after 1 month, and now flagged overleverage

Don’t waste time chasing PNO, Nodal Officer, or Grievance team - they all have standard responses.
Instead, contact a real person who can actually help.
And how do you find them? LinkedIn is one of the best places.

 

[Odyssey]

If a card is invite only, get yourself invited.

Quote of the day 👏🏻

 

[Odyssey]

Do Not Attempt This! (If you don't know what you are doing). You will lose your peace of mind, mental health and sanity.

Believe me, I have tried this before. The issue that bankers these days are no longer bankers but insurance sales agents.

I went up to the Regional Manager in HDFC trying to get Infinia. It is so immensely frustrating that the moment they see you they go full on in selling insurance products. They don't even listen to what you are trying to say. "Sir credit card and all you have to pay interest. Look at this guaranteed returns plan. Blah blah blah". Even entering a bank branch is a stressful experience. People surround you from all sides. Even the teller will try to sell you insurance! And then they follow you home too! Your contact will be passed up the chain and in a short time everyone short of Sashidhar Jagdishan and Deepak Parekh will be after you.

Even if you ask for investment advice, they try to sell you insurance. You can't even get a person in a bank branch to have a productive or meaningful conversation! I tried talking to the BM and RM about investment and you can imagine how that went. When I insisted, they asked me to buy Regular MF schemes! In the end I gave up and signed up with Value Research Online for investment advice.

In the end, if you approach the average bank saying you are a HNI they will hound you until the end of days trying to sell insurance.

I agree 💯

What dada has achieved, is bcs of multiple factors and not just only basis of Net-worth or CA certificate.....

But I agree with one thing is, that always ask/request what you want from bank. It's upto them to give or not.

 

[ontherocks]

Quote of the day 👏🏻

 

[tachniki]

For invite only card, some people think they need to have relationship with bank and then wait till they are invited. This is not really the case.

In the context of above video, it will not be homeless people. It will be people who have money but not moving in to a home. They think someone will see their money, come and show them home to buy and then they will move into home.

Nice short video though. 🤣

 

[aniplox]

2026 ka ek hi sapna saare premium cards ltf ho apna.

 

[tachniki]

2026 ka ek hi sapna saare premium cards ltf ho apna.

It gives more saving to pay for premium card then to wait for it to be ltf.

 

[Strange]

this is better

 

[Kushagra_]

this is better

Getting a house doesn't make it a home 😔

Home ke liye homevali bhi chahiye

 

[Trehre]

Does anyone have any experience getting into Burgundy Private?
Is TRV the only route? Their own eligibility page contradicts excluding demat investments, but it also says that Mutual funds are part of the Investment relationship for TRV. I doubt they have any use for SoA mutual funds, tho.

 

[tachniki]

Getting a house doesn't make it a home 😔

Home ke liye homevali bhi chahiye

Homevala bhi. 😁