Applying for HDFC Infinia card Tomorrow - Strategy, Tips?

[Sobirvs]

So this is for my brother. He is dumb with credit cards BUT he uses his HDFC Card alot.

He has HDFC LTF regalia gold currently with 8.5L limit. He files ITR only for 5-6L. All business ITR/sole prop is under mother hence the spend on his card. He basically executes the business and draws small salary for papers only.

He even told me last month that he got a call in around 3rd quarter from HDFC for infinia upgrade, and upon told the fees, he denied the card. He might be wrong about this btw as he is a damn very busy person as he handles a business so may be they called for some other card, idk but he told me it was infinia. He showed me his netbanking today but in offers, there was no infinia just some 2 wheeler/personal/auto loan preapproved offers max worth 20L.

Now let's talk about his credit card HDFC. He spends alot. In last 2-3 years he has spent easily umm, 30L+ lots of emi's, retail trxns, fuel etc and always paid his dues. He has auto debit on hdfc so never defaulted. He has HDFC card from prolly 10-15 yrs.

His spends (I am guessing we calculate this via total due only right?

Last 6 months : 4.87L
Last 1 yr : 5.13L+4.87L = 9.996L
My guess is, Last 10 years : 1cr+ easily. (1cr + prolly even in last 5 yrs). even if I am wrong His card he has easily used for 2cr+ even more since he has the card.

His spends are mix. I understand he doesn't fulfill salary criteria and spends criteria but only fulfills Credit limit criteria. But he usage is very mix, no gift voucher nothing. Basically emi's, airport, bills telecom etc. retail brand purchases like adidas etc. Big spends are just emi's.

but is asking HDFC any harm? Should I try? via RM route or email (please list the emails where I should try, I will be handling this as I have access to his email). He knows a guy in HDFC(not his RM), even knows a BM too.

If email route for example turns down, should he try via RM instantly or wait for few months? (same question if RM turns down, should i he try email route or wait for few months?)

He has 3-4 relatives too at HDFC, very very close relatives as employees.

one more question, his regalia gold has 30k pts around, if infinia is accepted, will his pts transfer as 1rp = 1rs? as afaik his current regalia gold pts of 30k is 30/5 = 6k rs as how it shows on his hdfc reward website.

 

[Sobirvs]

If you have existing cc and want to use ITR, mail them you are ready to close the card and want the CC on ITR basis.

have existing cc. I don't want to use ITR, that's the thing. I want to use relationship/spends.

I had already told you about mentioning previous case ids for escalation.

Otherwise it will not work and that's happened.

Yep, my mistake. So a fresh new email? or reply to the already received email now?

Yes, this card can only be obtained based on relationship value and spending. Since your brother has a business, he can easily make high-value transactions. If your spending exceeds ₹10 lakh within six months, your request will most likely be accepted.

yeah okay, will do. Thing is he has a business and he can easily make high value trxns but his spends usually are paid via brands already on a biz trips. Anyways, doing spends isn't a problem, I will get right on it.

@aniketkr.sharma should I just leave these emails as it is, and if I spend 10L in next 10 days, I send email again?

 

[aniketkr.sharma]

Yep, my mistake. So a fresh new email? or reply to the already received email now?

@aniketkr.sharma should I just leave these emails as it is, and if I spend 10L in next 10 days, I send email again.

Yeah no point in wasting time of both as the spends criteria is not satisfied.

Just do the transaction before bill generation and after bill generation you can email for upgrade.

 

[Sobirvs]

My brother has a premium payment coming 3,06,750 of HDFC Life. I got to know about it just today via his email I have no freaking idea what else relationship he has with HDFC. I keep discovering new things about his relationship with HDFC. Earlier it was imperia. Then this now. I don't know why he just doesn't tell me upfront.

Anyways, can we put this charge on his regalia gold? without convenience charge? also can this spend on credit card will be counted towards getting brother infinia? as afaik EMI trxns are not counted towards spends to be shown for infinia upgrade, as they consider only retail spends but is HDFC life a retail spend?

What is the best way to go about it?

 

[aniketkr.sharma]

My brother has a premium payment coming 3,06,750 of HDFC Life. I got to know about it just today via his email I have no freaking idea what else relationship he has with HDFC. I keep discovering new things about his relationship with HDFC. Earlier it was imperia. Then this now. I don't know why he just doesn't tell me upfront.

Anyways, can we put this charge on his regalia gold? without convenience charge? also can this spend on credit card will be counted towards getting brother infinia? as afaik EMI trxns are not counted towards spends to be shown for infinia upgrade, as they consider only retail spends but is HDFC life a retail spend?

What is the best way to go about it?

Yeah use payzapp, if getting convenience fee on other portals

 

[Sobirvs]

Yeah use payzapp, if getting convenience fee on other portals

okay that solves the convenience fee.

This is how the merchant name shows , will this gives points for regalia gold, if yes how mch as I have read regalia gold insurance payments have a cap of 2000/day? I guess HDFC Life won't allow split payments per day right? and does this spend counts towards milestone benefit?

Also my father has LIC payments coming in ending march, can I pay those too with credit card without convinience fees? Also, the most imp question which isn't answered, when I apply for infinia card, does these insurance spends will be counted towards infinia upgrade? can hdfc say tomorrow no sorry no infinia coz the spends that you have done are on insurance not "shopping" stuff. ???

 

[aniketkr.sharma]

okay that solves the convenience fee.

This is how the merchant name shows , will this gives points for regalia gold, if yes how mch as I have read regalia gold insurance payments have a cap of 2000/day? I guess HDFC Life won't allow split payments per day right? and does this spend counts towards milestone benefit?

Also my father has LIC payments coming in ending march, can I pay those too with credit card without convinience fees? Also, the most imp question which isn't answered, when I apply for infinia card, does these insurance spends will be counted towards infinia upgrade? can hdfc say tomorrow no sorry no infinia coz the spends that you have done are on insurance not "shopping" stuff. ???

View attachment 82594

Yes, spends will be considered.
Yes on payzapp there is no convenience fee.
If its having a cap then it's not possible to get more reward point, only through rotation it will give more points and spends will also be increased.

 

[Sobirvs]

Yes, spends will be considered.
Yes on payzapp there is no convenience fee.
If its having a cap then it's not possible to get more reward point, only through rotation it will give more points and spends will also be increased.

What about milestone? I have attached milestone options on his regalia.

 

[aniketkr.sharma]

What about milestone? I have attached milestone options on his regalia.

This quarter milestone will be completed as well as progress in annual will be seen

 

[Sobirvs]

Cool, so I guess payzapp is where I will go and do this trxn on 6th feb. (5th is billl generation date).

Now what abt LIC payments that are coming next month, I want to put those spends on this card too, but will do trxn after 5th march as due date is late march. How do we go about that.

 

[aniketkr.sharma]

Cool, so I guess payzapp is where I will go and do this trxn on 6th feb. (5th is billl generation date).

Now what abt LIC payments that are coming next month, I want to put those spends on this card too, but will do trxn after 5th march as due date is late march. How do we go about that.

If want to skip convenience fee, then you can put it on RG and the quarterly milestone will be already achieved it will go for annual milestone completion.

Will get a 5k voucher for flight.

 

[Sobirvs]

Guys I have an update. That 1cr RLV for imperia is correct 99.99%. I went to a branch, talked to BM directly. It was a new branch. I show her this screenshot


This is what I had too and I got it from social media and even reddit had this but no official confirmation was there. Now, I went and BM told me let me check with my senior officials. Later in few house BM called me and told me this is correct. I asked if she can send this to me in email from her hdfc official email. She said sure, then she sent email screenshot below. Now interesting part is when she sent me this, the screenshot she sent me is same as the screenshot I showed her (she took picture aswell from her phone) but the screenshot that is attached in this email also includes a name of bank official with designation "Managed Programme". Which confirms that this screenshot that was flying around on the internet was correct. Now all one needs to do is go to a branch or call RM, and put 1cr in his bank/FD(Yes she confirmed u can either keep in bank or FD, no problems, but BM said just make sure you keep the funds once u get the credit card otherwise "something" can happen to your credit card. I asked what? will my card stop working if I take 30L out of the account? she said no, but if u take funds out then in few days/months put it back in. I asked is this a secured cc, she said no, it's unsecured card only. Anyways, that's about it, I have the unedited email and picture of this but don't want my info or BM's info to leak out but if someone is damn sure and will put 1cr, then DM me, I can help to get in touch with BM(I hope may be if BM get's customers from me, BM will arrange infinia for me too) as for now I can only do 10-20 may be max 30L in acc as I have FD's maturing in later part of the year so don't want to break those. One mumbai hdfc guy told me no for infinia even if i bring in customers, but haven't tried with BM yet.

 

[shu_sha]

Guys I have an update. That 1cr RLV for imperia is correct 99.99%. I went to a branch, talked to BM directly. It was a new branch. I show her this screenshot
View attachment 82647

This is what I had too and I got it from social media and even reddit had this but no official confirmation was there. Now, I went and BM told me let me check with my senior officials. Later in few house BM called me and told me this is correct. I asked if she can send this to me in email from her hdfc official email. She said sure, then she sent email screenshot below. Now interesting part is when she sent me this, the screenshot she sent me is same as the screenshot I showed her (she took picture aswell from her phone) but the screenshot that is attached in this email also includes a name of bank official with designation "Managed Programme". Which confirms that this screenshot that was flying around on the internet was correct. Now all one needs to do is go to a branch or call RM, and put 1cr in his bank/FD(Yes she confirmed u can either keep in bank or FD, no problems, but BM said just make sure you keep the funds once u get the credit card otherwise "something" can happen to your credit card. I asked what? will my card stop working if I take 30L out of the account? she said no, but if u take funds out then in few days/months put it back in. I asked is this a secured cc, she said no, it's unsecured card only. Anyways, that's about it, I have the unedited email and picture of this but don't want my info or BM's info to leak out but if someone is damn sure and will put 1cr, then DM me, I can help to get in touch with BM(I hope may be if BM get's customers from me, BM will arrange infinia for me too) as for now I can only do 10-20 may be max 30L in acc as I have FD's maturing in later part of the year so don't want to break those. One mumbai hdfc guy told me no for infinia even if i bring in customers, but haven't tried with BM yet.

View attachment 82649

View attachment 82650

View attachment 82651

No one will put in 1Cr for Infinia

 

[Sobirvs]

No one will put in 1Cr for Infinia

I have seen even like people saying they will do deposit of 1cr 5cr for infinia. YMMV. Even going for 5 year locked in investments worth 50L or so. So there are people out there who would want to, even tbh I would go for it if I could.

 

[Anupama_Jha]

No one will put in 1Cr for Infinia

Someone (many) will.

You don't know how much psycho moving in path. Just check that Roshan's Axes 30L od-fd trick

 

[Sobirvs]

Roshan's Axes 30L od-fd trick

what? tell more.... can't find anything on google.

 

[aniketkr.sharma]

Someone (many) will.

You don't know how much psycho moving in path. Just check that Roshan's Axes 30L od-fd trick

Right they will put one cr for 6 months get infinia and remove funds that how this will work to get infinia as NTB Customer.

Even six months I told is too much they will give infinia most likely within a month and then after issuing money will shift from where it came.

 

[aniketkr.sharma]

what? tell more.... can't find anything on google.

Yeah it's too much hack we can say banking loophole

 

[Anupama_Jha]

what? tell more.... can't find anything on google.

Yeah it's too much hack we can say banking loophole

 

[Manav24]

Lol people talking about putting 1 crore for getting a "credit card" is unreal. Crore has literally lost its value.

 

[Sobirvs]

Lol people talking about putting 1 crore for getting a "credit card" is unreal. Crore has literally lost its value.

dude, that crore is not an amount being used to buy a product and the crore will vanish. The crore remains, and you get interest. It hasn't lost value whatsoever. and this is something 99.999% people can't do anyways.