Infinia NPSL/Temporary Limit Enhancement - A hidden boon for Infinia (& other HDFC credit card holders?) - FAQs

[Sriim]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

 

[_ayush]

This is still a sort of hassle. I expected that customer care would be able to do it on a call.

 

[Sriim]

This is still a sort of hassle. I expected that customer care would be able to do it on a call.

Not much of a hassle actually.

And considering the fact that I was able to get 33.6k RPs on a transaction I would've otherwise done via netbanking is a bonus

 

[6ix9ine]

Saved the guide for future, thank you 🫂

 

[Zacobite]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
View attachment 75366But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

nice v nice

 

[_ayush]

Not much of a hassle actually.

And considering the fact that I was able to get 33.6k RPs on a transaction I would've otherwise done via netbanking is a bonus

The only issue is most of the RMs are clowns and know nothing apart from ulips and FDs

 

[Bugs Bunny]

Informative .
.

 

[vaibhav111vaibhav111 is verified member.]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
View attachment 75366But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

Yeah I came to know about NPSL 2 year back during Diwali cleaning and I had the booklet and read all about infinia feature about no limit set just like Amex hold charge or you can shadow limit so it nice to know it available to infinia user in case we need to.

 

[BVCBVC is verified member.]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
View attachment 75366But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

Good find and update. Bookmarked, Thanks for the detailed information.

 

[Rishabh]

For the ones (there are many Infinia users) who already have existing limits good enough to buy a Hyundai Creta will not require NPSL feature for their regular spends (even high value education spends) until they look out to upgrade or buy something valued equal to Fortuner/Innova, etc. 😛 😛

 

[aniketkr.sharma]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
View attachment 75366But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

AFAIK I requested for temporary limit increase last month buy hdfc team denied, they told they are not able to increase the limit temporary.
I have RG LTF, so I can confirm for other cards they will not increase temporary,
Exception to dcb & infinia

 

[Avinash.Mishra]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
View attachment 75366But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

Thanks for sharing, very informative most people are not aware about this feature.

 

[Umang85]

Very helpful. Won't need the temp Limit extension, but it is definitely good to know.

 

[sgoyal9]

When my Infinia was very new, I had called the helpline for just a 10% limit increase for a transaction. They denied.
Maybe the guy I talked to didn't know or whatever, but I do not get why HDFC cannot do basic training for support.

 

[yaleen]

I have got this for Regalia couple of years back. I had 8 L limit on Regalia and wanted to upgrade to Infinia. I also had payment on 8.5L due on an insurance policy. RM itself suggested to increase limit temporarily in Regalia, make the transaction. And next month applied for Infinia as now I have over 7.5L spends.
I think it took couple of days and needed RM to push, got BM approval also I guess for this.

 

[Deepak_Shetty]

How do I increase BoB card limit temporarily? I called customer care but they have asked me to send an email to crm. They had gave some generic copy paste reply, not related to my question.

 

[theXfactor]

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia users - please see question number 9 )

3. How to activate this feature?
You need to raise a request and it needs to be approved by HDFC Bank.

4. How to raise the request?
You can either call customer support and ask them to raise a request for it or you can ask your RM to raise a request. According to the customer support person that I talked to, requests from RM are more likely to be approved since they can mention your relationship value and duration in the request.

5. Are all Infinia CC users eligible for this feature?
Technically, yes. As the book which comes with Infinia box has the following page.
View attachment 75366But I saw a thread where someone mentioned his Infinia was marked as non-NPSL. But I wasn't able to find where he had seen the marking and he didn't reply to my DM.

6. How much will the limit be increased?
I don't have the exact answer for this. I read somewhere that limit can be increased upto 50%. So I requested my limit to be increased to 12L from 8L and I got 12L.

7. How much times it takes for the increase in limit?
In my case it took 4 working days. I contacted RM on day 0, he initiated the request on day 1, the request was approved on day 3 and I had to send a consent email agreeing to the T&Cs and at 10AM on day 4, I could see the new limit in my HDFC mobile banking app and MyCards.

8. What are the T&Cs?
A. Temporary LE period is 30 days only.
B. Temporarily increased limit should not be converted in EMI option.(avoid EMI conversion related calls until Temp amount is completely cleared)
C. Payment must be made before Temporary LE expires without any reminder. If the payment is missed before temp LE expires, over limit charges will be levied
D In case statement is generated and due date falls under temp period, it should be cleared within the payment due date to avoid any finance charges
E. If Over limit and finance charges are levied, it will not be reversed.
F. My RM also asked for the category of transaction, as temporary limit enhancement can't be done for jewellery and some other exceptions.

9. Any chances of temporary limit enhancement for non Infinia users?
I don't have documentary proof of this. But according to someone with the post ASM of credit card division, all HDFC card users can avail temporary limit enhancement. The request should be raised from home branch of the credit card holder (yes, savings account is a must) and is subject to approval.

Disclaimer - Credit card debt is a major financial crisis and I urge everyone to use this or any feature judiciously. Increase your credit limit and use it only if you have the funds to pay the dues in full.

Thanks for reading.

To #9, a few yrs back, I got a temp. limit enhancement on my HDFC non-Infinia card.

 

[shivek]

My story is from October 2013 and may not be relevant but I guess banks have the option to allow temporary purchases beyond the CL.

I was holding HDFC Platinum CC (not sure if it is the correct variant) just 2 months old with a CL of 75K.
I went to purchase a MacBook Air for my brother as a gift and total amount came around 83K.
I called customer care to check if I can make that purchase using my CC with 75K limit. He asked if I am going to pay in full or emi. I told full then he suggested that he can temporarily allow for overlimit purchase for that billing cycle without any charge.
He asked me for exact bill amount (~83K) and mentioned he is allowing for 85K. If anything beyond that then overlimit charges will apply.
And it was done instantly and I was able to swipe my card for full 83K without any additional charges.

 

[rogerthat]

Those who got temporary limit extensions - Did it influence limit extensions from HDFC later on? Did you get any LE soon after this?

 

[theXfactor]

Those who got temporary limit extensions - Did it influence limit extensions from HDFC later on? Did you get any LE soon after this?

I don't think so. Although had received a couple on my DCB later when requested but I don't think it has anything to do with that. Interestingly, have received one LE enhancement on my Infinia just within 4 months of obtaining it but this is very recent.