Infinia INFINIA Journey, How INFINIA lost it's charm for me & How stupid HDFC RM's are

[drsel]

Jhunjhuna de rhe hai ab

But it's important that you are new to bank.
I was new to HDFC bank because I had closed my Millennia more than 18 months back

Because then I got Magnus in its glory days, so paying for other cards did not make sense

 

[kuchbhikuchbhi is verified member.]

I must be the luckiest
not only did I get INFINIA 1st year free but they also gave me Swiggy and Tata New infinity both lifetime free.

And now they are offering my family members (who don't have any HDFC card) Regalia Gold, Diners Privilege & Millennia also lifetime free.

but what will we do with these cards when we got INFINIA?

bas aisa hi RM chaiye jindagi mai

 

[drsel]

bas aisa hi RM chaiye jindagi mai

I don't even have any RM
I directly went to the branch manager

 

[kuchbhikuchbhi is verified member.]

I don't even have any RM
I directly went to the branch manager

so your family members linked in family banking?

 

[Bionick]

Am I the only who has a good RM/BM from Axis? I never had to ask twice for anything. My HDFC VRM on the other hand, is a blood sucking parasite. Always asking for investment without offering anything in return 🤣

 

[salisburry44]

No need for account. Simply visit your branch and fill the fill along with the kyc documents. I recently applied for my parents. Though a bit slower process than opening an account and applying for a card thereafter.

Did same directly sent form and documents to branch. But rm said need to make account. Will try in another branch.

 

[Ram1]

Hdfc RMs are just knowledgeless dumb heads. I tried almost 10 RMs but no one did favour in terms of credit card approval.
Then I took the case myself and started complaining from regional to MD, eventually got card.
Closed all other relationships with HDFC

 

[drsel]

so your family members linked in family banking?

No, they only have add on cards of INFINIA.

 

[drsel]

Am I the only who has a good RM/BM from Axis? I never had to ask twice for anything. My HDFC VRM on the other hand, is a blood sucking parasite. Always asking for investment without offering anything in return 🤣

My Axis RM was very good, he got me Magnus Burgundy lifetime free.
HDFC branch manager got me INFINIA 1st year free

 

[theflash]

My Axis RM was very good, he got me Magnus Burgundy lifetime free.
HDFC branch manager got me INFINIA 1st year free

Maybe they're appreciating because of your TRV with them 🤔

 

[Alphabet]

I have been chasing INFINIA after getting to know the benefits from this forum starting 26th Sept

Sept :-
Started the discussion with RM on 26th Sept and she asked me to close the my 10 yr old Millenia card to apply the Infinia.

1st week Oct :-
After 10 days she reverted that that sir card isn't approved (She was lying and haven't done anything, as per my understanding)
I asked to initiate the account closure, then she asked me to share my salary and ITR to retry. I shared last yr ITR, Current yr From 26AS, Last 3 month salary slips.
Now for next 40 days she kept giving me lame reasons when i ask about the status like Management on Holidays, Diwali Holidays, Someone is off etc etc.

Nov :-
On 12th Nov, I asked if i'm getting the card or not in strong language and then she told me not possible sir.
I mailed her senior same day to close my account

13th Nov :-
Her manager called me and said sir card is approved and you will get in next 10 days.

On 14th Nov, my RM Called me for address verification and then she slept for next 10 days.
On waking her up on 28th for status, She logged the application and my CIBIL check was done on 29th Nov.

Now the application is still stuck today.

Out of frustation a visited a local nearby branch to close the account and here starts the another story :-

1. Watching my TRV with bank ( Over INFINIA new requirement in Cash & FD), he asked to get the card for me in barter of policy of xx Lakhs (Not upfront but it's pretty clear to me, I have read multiple posts around same). I somewhat shown that not interested in anything HDFC provides until i got the card and left.
2. Considering the investment potential i have, BM has done some work on my existing application and called me to update that your card is applied in business category and never going to get approved and pending with Underwriter from 10 days where the UW has a TAT of 48hrs to either approve or reject.
3. Now he took 2 applications form me, 1 for upgrade and 1 for new card and committed me to get the card in next 14 days anyhow.
4. Now, i have some confident on his words that he can get the card but, i know he needs a ULIP from me either today or tomorrow.

Now watching all this circus, i realised it's not worth all the chase / fight / and ULIP definitely.

TRV with bank :-

• 10 Yr old Imperia Account
• More cash than previous INFINIA requirement.
• Combined more cash & deposits then current INFINIA requirement.
• Current CC with Limit 15L
• 3-4% salary miss from current INFINIA requirement
• Family banking with bank including my Wife Imperia with salary satisfying new Dinners Club requirement.

Dropped a mail to regional manager sharing this Circus and see what happens next.
Now 2 applications are logged one by RM supervisor and one by BM (Who is a VP level person as per his conversation)

But, all of a sudden I lost all the interest in the Card & HDFC. All because of the stupid RM who didn't want to work or knows nothing about the bank and his policies. (She is a Imperia RM though)

Now, Planning to move everything to Axis Burgandy account I have to start next chapter of Circus for M4B. 🤣 🤣 (Joking, I will see what happens next, But i'm not giving any business to HDFC and definitely moving away from the bank)

Sadly there are many stupid RMs out there who are only interested in cross selling,
However some good people are there too.

I have 9 years of banking relationship with HDFC, Imperia banking customer and holding Infinia since 2020.
During the month of September I asked my virtual RM to get me Diners Biz Black as floater card, as I am self employed.
She said need some approvals from seniors, after 6 days she called me asked me some stupid Guaranteed plan policy or a ULIP of 1.5L each year for next 10 years to get the card approval,
I denied.

After months
I visited a local branch with my parents and randomly asked RM about BizBlack card, she asked me my Infinia limit and checked my record, called her seniors about my additional card requirements, I signed few forms and card got delivered yesterday. 😇

So don’t loose hopes

 

[Alphabet]

My Axis RM was very good, he got me Magnus Burgundy lifetime free.
HDFC branch manager got me INFINIA 1st year free

Magnus used to be the kickass amongst all card, lost its charm after multiple devaluation.

Closed down my card last year, the only good part is thanks to Magnus now Flipkart axis has 10L limit.

 

[drsel]

Sadly there are many stupid RMs out there who are only interested in cross selling,
However some good people are there too.

I have 9 years of banking relationship with HDFC, Imperia banking customer and holding Infinia since 2020.
During the month of September I asked my virtual RM to get me Diners Biz Black as floater card, as I am self employed.
She said need some approvals from seniors, after 6 days she called me asked me some stupid Guaranteed plan policy or a ULIP of 1.5L each year for next 10 years to get the card approval,
I denied.

After months
I visited a local branch with my parents and randomly asked RM about BizBlack card, she asked me my Infinia limit and checked my record, called her seniors about my additional card requirements, I signed few forms and card got delivered yesterday. 😇

So don’t loose hopes

Make your wife an agent to earn commission on the ULIPs

 

[theXfactor]

I have been chasing INFINIA after getting to know the benefits from this forum starting 26th Sept

Sept :-
Started the discussion with RM on 26th Sept and she asked me to close the my 10 yr old Millenia card to apply the Infinia.

1st week Oct :-
After 10 days she reverted that that sir card isn't approved (She was lying and haven't done anything, as per my understanding)
I asked to initiate the account closure, then she asked me to share my salary and ITR to retry. I shared last yr ITR, Current yr From 26AS, Last 3 month salary slips.
Now for next 40 days she kept giving me lame reasons when i ask about the status like Management on Holidays, Diwali Holidays, Someone is off etc etc.

Nov :-
On 12th Nov, I asked if i'm getting the card or not in strong language and then she told me not possible sir.
I mailed her senior same day to close my account

13th Nov :-
Her manager called me and said sir card is approved and you will get in next 10 days.

On 14th Nov, my RM Called me for address verification and then she slept for next 10 days.
On waking her up on 28th for status, She logged the application and my CIBIL check was done on 29th Nov.

Now the application is still stuck today.

Out of frustation a visited a local nearby branch to close the account and here starts the another story :-

1. Watching my TRV with bank ( Over INFINIA new requirement in Cash & FD), he asked to get the card for me in barter of policy of xx Lakhs (Not upfront but it's pretty clear to me, I have read multiple posts around same). I somewhat shown that not interested in anything HDFC provides until i got the card and left.
2. Considering the investment potential i have, BM has done some work on my existing application and called me to update that your card is applied in business category and never going to get approved and pending with Underwriter from 10 days where the UW has a TAT of 48hrs to either approve or reject.
3. Now he took 2 applications form me, 1 for upgrade and 1 for new card and committed me to get the card in next 14 days anyhow.
4. Now, i have some confident on his words that he can get the card but, i know he needs a ULIP from me either today or tomorrow.

Now watching all this circus, i realised it's not worth all the chase / fight / and ULIP definitely.

TRV with bank :-

• 10 Yr old Imperia Account
• More cash than previous INFINIA requirement.
• Combined more cash & deposits then current INFINIA requirement.
• Current CC with Limit 15L
• 3-4% salary miss from current INFINIA requirement
• Family banking with bank including my Wife Imperia with salary satisfying new Dinners Club requirement.

Dropped a mail to regional manager sharing this Circus and see what happens next.
Now 2 applications are logged one by RM supervisor and one by BM (Who is a VP level person as per his conversation)

But, all of a sudden I lost all the interest in the Card & HDFC. All because of the stupid RM who didn't want to work or knows nothing about the bank and his policies. (She is a Imperia RM though)

Now, Planning to move everything to Axis Burgandy account I have to start next chapter of Circus for M4B. 🤣 🤣 (Joking, I will see what happens next, But i'm not giving any business to HDFC and definitely moving away from the bank)

what's the outcome of those 2 applications in the meantime?

 

[techstrom007]

what's the outcome of those 2 applications in the meantime?

First application :-
First application by RM Supervisor is stuck which was filed on 29th Nov and no one has any answer why this is stuck. 2 escaltions going from my side on grevience.redressal & escaltions.cc. RM supervisor didn't know why this is stuck, she is also following up atleast as per her words. Status shows In Progress .

RM mentioned the approval was from D4 level and very less chances of card getting denied.

Second application :-
BM signed 2 physical forms and sent to chennai office on 19th Dec. One for upgrade of existing card and one for New application. Yet to receive any application number of those.

BM is a D2/D3 level , not 100% sure.

 

[techstrom007]

Got sms for one more CIBIL & CRIF enquiry by HDFC today. Received similar messages about enquiry from CIBIL & CRIF on 29th Nov when card was originally applied.

Not sure what they are doing now. Not able to see any new application in netbaking only the last one is there with status as In Progress.

Previously the card application was visible in the netbanking when i received the SMS.

Though received a complain number from Grivence.redressel today over mail.

Any one knows how we can check if this was on existing application or Get the application number for which they have checked the CIBIL.

 

[aniketkr.sharma]

Got sms for one more CIBIL & CRIF enquiry by HDFC today. Received similar messages about enquiry from CIBIL & CRIF on 29th Nov when card was originally applied.

Not sure what they are doing now. Not able to see any new application in netbaking only the last one is there with status as In Progress.

Previously the card application was visible in the netbanking when i received the SMS.

Though received a complain number from Grivence.redressel today over mail.

Any one knows how we can check if this was on existing application or Get the application number for which they have checked the CIBIL.

Only way is to see the refreshed report

 

[Bionick]

Any one knows how we can check if this was on existing application or Get the application number for which they have checked the CIBIL.

Most probably the credit check is for existing application only. If you want to get rid of the excess enquiry, just raise a request. The extra enquiry may be a sign that they are working on your application.

 

[bing1309]

Keep this in your mind

Branch bm will usually approve, it's the issue from state circle head for approval, some state circle head approve some dont In south i dont see any approval, so forget this.

Only option is upgrade which is very convenient, have 9l limit spend 9l in 6 months and at 7th month after statement generated and ask rm to give hdfc cards adress and you send the upgrade form, itr etc and you will get the card.

Do note if you are not able to spend or not meeting the cretria, and still pursuing for this card then your intentions are malafide or to save something.

Hdfc infina is just about 3.3% profit which most cards give, but recent devaluation on capping on voucher buying etc is something this card can't ripe the profit benefits rather you unwantedly spend on capping and store vouchers and at once use (look at your financials and late payments or loan burden over throw your calculations)

 

[aniketkr.sharma]

Keep this in your mind

Branch bm will usually approve, it's the issue from state circle head for approval, some state circle head approve some dont In south i dont see any approval, so forget this.

Only option is upgrade which is very convenient, have 9l limit spend 9l in 6 months and at 7th month after statement generated and ask rm to give hdfc cards adress and you send the upgrade form, itr etc and you will get the card.

Do note if you are not able to spend or not meeting the cretria, and still pursuing for this card then your intentions are malafide or to save something.

Hdfc infina is just about 3.3% profit which most cards give, but recent devaluation on capping on voucher buying etc is something this card can't ripe the profit benefits rather you unwantedly spend on capping and store vouchers and at once use (look at your financials and late payments or loan burden over throw your calculations)

Bro 3rd & 4th paragraph isn't for @techstrom007 as he's already earning that much, just the RM & BM created issue for him