How To Work Towards getting HDFC Inifinia Metal

[seasonedroaster]

Currently I primarily use 3 cards

- Swiggy HDFC (spends approx 15k a month)
- HSBC Live+ (Spends approx 10k a month)
- SBI cashback (18k a month)
- My upi spends/fuel comes to approx 25k a month via IDFC rupay HP branded card

I know ny case is mostly hopeless, but is there anyway i can optimise ny spends and try for Infinia?

my current limit is 7L on my HDFC Diners Black

Is there anyway i can load wallet and pay the upi spends to show spends on HDFC diners card?

Divert spends of zomato, swiggy, zepto, amazon pay to smartbuy?

honestly i dont even know where to start

any help or direction to go ahead for this long journey to infinia is appreciated

if its not possible for my case then also requesting to let me know

Forgot to add i have my salary account with HDFC since 2017 till now

PS: Sorry for typo error in heading

 

[Aniket Sharma]

Currently I primarily use 3 cards

- Swiggy HDFC (spends approx 15k a month)
- HSBC Live+ (Spends approx 10k a month)
- SBI cashback (18k a month)
- My upi spends/fuel comes to approx 25k a month via IDFC rupay HP branded card

I know ny case is mostly hopeless, but is there anyway i can optimise ny spends and try for Infinia?

my current limit is 7L on my HDFC Diners Black

Is there anyway i can load wallet and pay the upi spends to show spends on HDFC diners card?

Divert spends of zomato, swiggy, zepto, amazon pay to smartbuy?

honestly i dont even know where to start

any help or direction to go ahead for this long journey to infinia is appreciated

if its not possible for my case then also requesting to let me know

Forgot to add i have my salary account with HDFC since 2017 till now

PS: Sorry for typo error in heading

Limit need to be increased first then anything you can ask for

 

[seasonedroaster]

Limit need to be increased first then anything you can ask for

Yeah i know

i wanted to know how do optimise my spends to increase limit?

Do i divert all monthly spends via Smartbuy?

For the upi case is there is any wallet which allows loading n paying to upi across merchants to show spends or thats a lost cause?

 

[Aniket Sharma]

Yeah i know

i wanted to know how do optimise my spends to increase limit?

Do i divert all monthly spends via Smartbuy?

For the upi case is there is any wallet which allows loading n paying to upi across merchants to show spends or thats a lost cause?

Bro, there is no specific case that let you increase limit, I already tried spending 16 lakhs a year still they aren't considering, asking for salary slips and bank statements.

I lost hope after that, let the system trigger it.

If your salary is more than 3 lakhs then you can try once

 

[cardio_guycardio_guy is verified member.]

Just trying to understand - my first question is why do you need infinia? Your total spends are only 70k a month.
I think you will get much better returns by using other cards than infinia.
Or is it just because you have salary account since 2017 you think they will give you that card?

 

[seasonedroaster]

Just trying to understand - my first question is why do you need infinia? Your total spends are only 70k a month.
I think you will get much better returns by using other cards than infinia.
Or is it just because you have salary account since 2017 you think they will give you that card?

I dont need it need it

second am not dumb to think coz of 2017 salary account they will give infinia

if i was that dumb i wouldnt have created a thread here to ask how to "work" towards it

i would have assumed am getting it already

The reason why i want to get infinia is to obviously earn better rewards and points in long run

Dont see any harm in setting a goal and "working" towards it than be aimless regarding your long term objectives

 

[Lorddiesel]

Bro, there is no specific case that let you increase limit, I already tried spending 16 lakhs a year still they aren't considering, asking for salary slips and bank statements.

I lost hope after that, let the system trigger it.

If your salary is more than 3 lakhs then you can try once

16 L a year is less.

This is internal criteria for Infinia, any Hdfc cr card with 10 L limit then spend 9 L in a month. You are eligible for Infinia.

1 cr FD with HDFC (not Lien)

or

55-60 L ITR latest.


This is their internal criteria, not a hack.

 

[seasonedroaster]

16 L a year is less.

This is internal criteria for Infinia, any Hdfc cr card with 10 L limit then spend 9 L in a month. You are eligible for Infinia.

1 cr FD with HDFC (not Lien)

or

55-60 L ITR latest.


This is their internal criteria, not a hack.

Spend plus ITR or spend plus FD right?

plus obviously limit of upwards of 10L or more?

 

[Aniket Sharma]

16 L a year is less.

This is internal criteria for Infinia, any Hdfc cr card with 10 L limit then spend 9 L in a month. You are eligible for Infinia.

1 cr FD with HDFC (not Lien)

or

55-60 L ITR latest.


This is their internal criteria, not a hack.

Bro, these were till last year, now they are asking salary slips also that is not achievable for me atleast for 2-3 years.

 

[Aniket Sharma]

Spend plus ITR or spend plus FD right?

plus obviously limit of upwards of 10L or more?

True that's why not achievable

 

[seasonedroaster]

True that's why not achievable

Yeah not for now

for me it seems first milestone is to spend and increase limit to 10L plus then i can think of all these next steps

 

[cardio_guycardio_guy is verified member.]

I dont need it need it

second am not dumb to think coz of 2017 salary account they will give infinia

if i was that dumb i wouldnt have created a thread here to ask how to "work" towards it

i would have assumed am getting it already

The reason why i want to get infinia is to obviously earn better rewards and points in long run

Dont see any harm in setting a goal and "working" towards it than be aimless regarding your long term objectives

No bro I didn't mean anything wrong or I didn't want to mean you were asking for something which you are not eligible for.
I was only trying to understand how can infinia benefit for someone with just 70k spends a month.
I think hdfc considers both income and spends to provide such high end cards.

Please do your effort and if you get it then great.

 

[sunit123]

work towards increasing your income...infinia will move towards you automatically

 

[seasonedroaster]

No bro I didn't mean anything wrong or I didn't want to mean you were asking for something which you are not eligible for.
I was only trying to understand how can infinia benefit for someone with just 70k spends a month.
I think hdfc considers both income and spends to provide such high end cards.

Please do your effort and if you get it then great.

Thanks for motivation and sorry if there was some sort of misunderstanding

Yeah, no benifits may be smartbuy benifit here n there

i see infinia gets max points for any gv

but i see where u r coming from, ill work towards it as my long term aim and goal, atleast now i know where to start from and what all i need to reach there

earlier i was clueless totally, is why i made the thread

 

[seasonedroaster]

work towards increasing your income...infinia will move towards you automatically

This seems to be the logical step and it comes down to this end of the day

Inc income
spend wisely
inc limit

n then hopefully it comes automatically

 

[theflash]

This seems to be the logical step and it comes down to this end of the day

Inc income
spend wisely
inc limit

n then hopefully it comes automatically

From what I've read so far isn't INFINIA and DCB/M almost at the same par in terms of rewards..?

 

[seasonedroaster]

From what I've read so far isn't INFINIA and DCB/M almost at the same par in terms of rewards..?

I have DCB plastic and because of spread out expenses they wont even upgrade me to metal

 

[Aniket Sharma]

I have DCB plastic and because of spread out expenses they wont even upgrade me to metal

No, they Will instantly give you metal one, just write grievance and it will be within a week

 

[Lorddiesel]

Bro, these were till last year, now they are asking salary slips also that is not achievable for me atleast for 2-3 years.

No, these conditions are valid as of today. Salary slips are for salaried person, ITR for business owners.

There is one more qualification, but I don't recommend it.
11 L FD with Lien , do only if you need the card urgently.

 

[theflash]

There is one more qualification, but I don't recommend it.
11 L FD with Lien , do only if you need the card urgently.

Will need to raise 11L then have to find someone who's interested in giving the amount for INFINIA.