Can I get Infinia or DCB LTF

[dondotaa]

Hello seniors,

I have HDFC Regalia from many years with 25 lacs CL. I didn't think much about these cashback and reward points all these years. Just started it after I got Apay ICICI card few months back (5lac+ CL). I spend good amount on ULIP and have good balance in accounts and good relationship in HDFC branch.

Can I get Infinia or DCB LTF. I am also an Imperia customer, so i also asked them for demat plan which they offer for imperia. They do not give benefits without asking i think so.

Thank you

 

[avishj]

Given all that, you probably can, talk to the BM. Make sure to have good spends on Regalia, IIRC the current requirement is 7.5L in past 6 months.

 

[plastikman]

Hello seniors,

I have HDFC Regalia from many years with 25 lacs CL. I didn't think much about these cashback and reward points all these years. Just started it after I got Apay ICICI card few months back (5lac+ CL). I spend good amount on ULIP and have good balance in accounts and good relationship in HDFC branch.

Can I get Infinia or DCB LTF. I am also an Imperia customer, so i also asked them for demat plan which they offer for imperia. They do not give benefits without asking i think so.

Thank you

Try to get a ltf Infinia by negotiating with your BM !

 

[coolguy1]

Bank wants more ULIP, you want Infinia.

The current holdings don't matter as much, promise them a bigger fish and they will get you whatever you want.

 

[imdjay]

Hello seniors,

I have HDFC Regalia from many years with 25 lacs CL. I didn't think much about these cashback and reward points all these years. Just started it after I got Apay ICICI card few months back (5lac+ CL). I spend good amount on ULIP and have good balance in accounts and good relationship in HDFC branch.

Can I get Infinia or DCB LTF. I am also an Imperia customer, so i also asked them for demat plan which they offer for imperia. They do not give benefits without asking i think so.

Thank you

There is nothing wrong in asking for returns when you are investing in their system. Contact the BM directly and present your ask.

 

[Bugs Bunny]

Hello seniors,

I have HDFC Regalia from many years with 25 lacs CL. I didn't think much about these cashback and reward points all these years. Just started it after I got Apay ICICI card few months back (5lac+ CL). I spend good amount on ULIP and have good balance in accounts and good relationship in HDFC branch.

Can I get Infinia or DCB LTF. I am also an Imperia customer, so i also asked them for demat plan which they offer for imperia. They do not give benefits without asking i think so.

Thank you

Perfect case to get ltf infinia. Talk to your BM and you'll get it done easily, doesn't matter you have the requisite spends for infinia upgrade or not.

 

[sm9811911]

Hello seniors,

I have HDFC Regalia from many years with 25 lacs CL. I didn't think much about these cashback and reward points all these years. Just started it after I got Apay ICICI card few months back (5lac+ CL). I spend good amount on ULIP and have good balance in accounts and good relationship in HDFC branch.

Can I get Infinia or DCB LTF. I am also an Imperia customer, so i also asked them for demat plan which they offer for imperia. They do not give benefits without asking i think so.

Thank you

Yes, you can get infinia or DCB surely. Good chances to get as LTF.

Generally you need good limit (8L) and good spends(7.5L in 6months). You have amazing limit. Spends criteria can be waived off if you speak to RM/BM given your current relationship with bank.

In case, that does not materialise, you have few options : spend more on your regalia for 2-3 months or lure them with more investments (or threaten with withdraw existing) or escalate to Ombudsman/Nodal. Would suggest the first 2 options.

HDFC bank needs more deposits currently due to merger. So, BM will be facing some targets during March, so it will easier for you then.

I am sure you probably know much of this (will not assume 25L limit person to be a newbie). Anyways, let us know how it goes.

 

[anoopvk10]

I've never heard of anyone having such a high CL. Amazing.. future goals for me 🙂

 

[D₹V]

Highest HDFC limit I've seen 🤭🤝

 

[dondotaa]

Thank you everyone for answers, I will discuss the issue with BM and will update here. 🙂 I got 25 lacs limit without any difficulty, initially i refused the limit enhancement because of less knowledge about cards, but later accepted it.

 

[Nihhaar]

From another technofino post. For infinia LTF, GH approval is needed.

 

[Taklu Haiwan]

From another technofino post. For infinia LTF, GH approval is needed.
View attachment 41798

That min spend criteria is per year or for last 6 months. I have CL of 6.8L and spends are around 5L per year, so wanted to know if I can apply for DCB or not ?

Also the image shows DCB, so is there any different criteria for DCB Metal ?

 

[infinia_finally]

Maintain good relationship with BM, RM and request them to ask for spend waiver.
If they are reasonable, they will help. In your case, the problem is bank already has your business.
Generally a carrot of business helps.

Lot of folks are talking Infinia LTF. AFAIK, there are only 2 TF members who have Infinia Metal LTF and one of them knew someone in HDFC internally.

Bank will mostly give FYF, which is also great. You can put your ulips on Infinia (most likely) and help meet 10L criteria for fee waiver, else pay GST and be happy

 

[infinia_finally]

Also op, you are my CC twin bro (exact same CCs and similar CLs) and similar history of ignorance about points. 😛

 

[sm9811911]

Also op, you are my CC twin bro (exact same CCs and similar CLs) and similar history of ignorance about points. 😛

Your CL was also based on salary or high usage?

 

[infinia_finally]

Your CL was also based on salary or high usage?

Actually, not really sure. I got Regalia LTF long ago when they upgraded to Preferred status (that must be based on salary credit I think).
I used to check once in a while the upgrade card and upgrade CL links. It went from 4L -> 8L -> 12L -> 20L eventually.
The spends were 4-5L per year mostly, until Amazon ICICI came through and Regalia got devalued.

 

[sm9811911]

Actually, not really sure. I got Regalia LTF long ago when they upgraded to Preferred status (that must be based on salary credit I think).
I used to check once in a while the upgrade card and upgrade CL links. It went from 4L -> 8L -> 12L -> 20L eventually.
The spends were 4-5L per year mostly, until Amazon ICICI came through and Regalia got devalued.

Must be the salary then.

 

[dondotaa]

Maintain good relationship with BM, RM and request them to ask for spend waiver.
If they are reasonable, they will help. In your case, the problem is bank already has your business.
Generally a carrot of business helps.

Lot of folks are talking Infinia LTF. AFAIK, there are only 2 TF members who have Infinia Metal LTF and one of them knew someone in HDFC internally.

Bank will mostly give FYF, which is also great. You can put your ulips on Infinia (most likely) and help meet 10L criteria for fee waiver, else pay GST and be happy

I have very good relationship with bank, but i spend less on my card now (4-5 lacs). I hope the BM will find a way.

Also op, you are my CC twin bro (exact same CCs and similar CLs) and similar history of ignorance about points. 😛

lol

 

[cardy]

Hello seniors,

I have HDFC Regalia from many years with 25 lacs CL. I didn't think much about these cashback and reward points all these years. Just started it after I got Apay ICICI card few months back (5lac+ CL). I spend good amount on ULIP and have good balance in accounts and good relationship in HDFC branch.

Can I get Infinia or DCB LTF. I am also an Imperia customer, so i also asked them for demat plan which they offer for imperia. They do not give benefits without asking i think so.

Thank you

Offcourse you can
Many have that way

 

[Nihhaar]

That min spend criteria is per year or for last 6 months. I have CL of 6.8L and spends are around 5L per year, so wanted to know if I can apply for DCB or not ?

Also the image shows DCB, so is there any different criteria for DCB Metal ?

It is for 6 months. If u have the spends, it should automatically show up in ur net banking portal (not 100% sure). If you want any relaxation in the criteria, RM / BM can definitely help for DCB.