Upgrade from HDFC Dinners Black to Infinia Metal

[vikrambs61]

Did you submit salary slips or ITR along with the upgrade form? do you have ITR more than 60 lacs or Salary more than 5 LPM?

Yes, submitted last year ITR along with bank statement for salary credit and payslips.

 

[magnusfan]

Question: Do you breach the monthly reward points cap often?

If not, do re-calculate the average reward rate for both since Infinia doesn’t have milestone rewards!

 

[vikrambs61]

Question: Do you breach the monthly reward points cap often?

If not, do re-calculate the average reward rate for both since Infinia doesn’t have milestone rewards!

My reason for switching is acceptance issues and instant vouchers which has markup makes sense in Infinia than DCB.

 

[magnusfan]

My reason for switching is acceptance issues and instant vouchers which has markup makes sense in Infinia than DCB.

Markup is there in Infinia too. I am not sure if the markups are different!

Acceptance issues: Get ICICI EPM in addition if you can!

 

[vikrambs61]

Markup is there in Infinia too. I am not sure if the markups are different!

Acceptance issues: Get ICICI EPM in addition if you can!

Markup is not different but multiplier is different, its 5x for Infinia and 3x for DCBM.

 

[magnusfan]

Markup is not different but multiplier is different, its 5x for Infinia and 3x for DCBM.

oh - ok, didn’t knew that

 

[vikrambs61]

oh - ok, didn’t knew that

for instant voucher and apple its 5x vs 3x rest all same

 

[prathak]

Yes, submitted last year ITR along with bank statement for salary credit and payslips.

Ohh, so you met all three criteria of spends, limit, and income and they still denied it over email? What reason did they give?

I also tried recently over email, but mine got rejected because my monthly in hand salary is below 5L. I’ve spent around 12L in last six months and limit is about 14L. Even my RM said she can’t do anything if the salary is under 5 LPM.

 

[Kabir_1112]

Ohh, so you met all three criteria of spends, limit, and income and they still denied it over email? What reason did they give?

I also tried recently over email, but mine got rejected because my monthly in hand salary is below 5L. I’ve spent around 12L in last six months and limit is about 14L. Even my RM said she can’t do anything if the salary is under 5 LPM.

Would be better to try again and sending email and giving them a reason that you have had a wonderful spend in 6 months and you fulfill the criteria and to give it a 2nd thought. Mostly keeping a gap in resending them an email.

 

[350modena]

Wednesday -> Handed over docs to HDFC in BLR
Friday -> Docs reached Chennai
Tuesday EOD -> The new card in app
Thursday -> Got card dispatch SMS and email along with the bluedart tracking number
Friday -> received physical card.

So roughly with in week+3 days after filling the forms

Thanks. Pretty quick!

 

[vikrambs61]

Ohh, so you met all three criteria of spends, limit, and income and they still denied it over email? What reason did they give?

I also tried recently over email, but mine got rejected because my monthly in hand salary is below 5L. I’ve spent around 12L in last six months and limit is about 14L. Even my RM said she can’t do anything if the salary is under 5 LPM.

standard template response - as per internal policy and is no way reflecting creditworthiness or financial eligibility!