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Infinia 🌟 My Journey to the HDFC Infinia Metal Card: A Story of Persistence

Apply For Lifetime Free IDFC First Credit Card
rounakbhowmik said:
How you got it?? I don't have axis account as well.Need some suggestions to get this card as ltf
Click to expand...
This is India's number one card and returns are way above the competition.
No other card comes even close.
Just think, If they keep this lifetime free then how will other credit cards sell ?
how will the other banks do business??

So it is not lifetime free anymore, it was available lifetime free last year.
Now it's 35400 joining and renewal fee.
 
Last edited:
HumorSimpson said:
What are your typical spends on it?
Click to expand...
1) Flipkart groceries and shopping for 24% return via Grabdeals.
2) Swiggy for 14.4% return via Giftedge.
3) 10000 Amazon pay every month via Giftedge for 9.6% return
4) Air tickets via Traveledge for 24% return
5) Eazydiner restaurants giving 25 + 30% discount every month.
Offline I use AU Lit for 8 or 13% return.

Now you know why I am wondering whether or not I should take Infinia and spend 14750 every year.
Because the best redemption option for Infinia points is air tickets on which I anyway get 24% return using Magnus Burgundy on Traveledge.
So you need to discount Infinia points by 24% to get a fair comparison.
 
Last edited:
drsel said:
This is India's number one card and returns are way above the competition.
no other card comes even close.

so it is not available lifetime free anymore, it was available lifetime free last year.
Now it's 35400 joining and renewal fee, but it is much more difficult to obtain compared to infinia because it is far superior
Click to expand...
🤣🤣🤣
.
.
.
.
.
 
drsel said:
Mostly Flipkart groceries and shopping for 24% return via Grabdeals.
10000 Amazon pay every month for 9.6% return
Air tickets via Traveledge for 24% return
Eazydiner restaurants giving 25 + 30% discount every month.
Offline I use AU Lit for 8 or 13% return.

Now you know why I am wondering whether or not I should take Infinia and spend 14750 every year.
Because the best redemption option for Infinia points is air tickets on which I anyway get 24% return using Magnus Burgundy on Traveledge.
So you need to discount Infinia points by 24% to get a fair comparison.
Click to expand...
Do you have a Burgundy savings account? Could you share some insights on how to get this card more easily?
 
rounakbhowmik said:
View attachment 65279
  • College Days: I’ve always been fascinated by credit cards, starting with my first one with icici salary account , an ICICI Platinum with a 30k limit, which I got in February 2020. It wasn’t much, but it felt like a big deal at the time.
  • Chasing the Millennia: A bit later, I set my sights on the HDFC Millennia card. @TechnoFino suggested I open a Max Savings Account with HDFC, so I did. But just as I was ready to apply, HDFC stopped issuing new cards due to RBI guidelines. Talk about bad timing!
  • Finally, Some Progress: After waiting for what felt like forever (8-9 months), early 2021 arrived, and I finally got a pre-approved offer for the Millennia card with a limit between 50k-1 lakh. It was a chargeable card, but I managed to spend enough within the first 90 days to get it converted to a lifetime free card. That felt like a win.
  • New Job, New Hopes: In July 2022, I started a new job with a decent salary (around 1.5-2.5L in hand). Feeling pretty confident, I approached my BM to see if I could get the Infinia card. Unfortunately, they said my salary wasn’t high enough. That was a bit of a letdown.
  • Not Giving Up: I wasn’t ready to give up, so I escalated my request to the grievance team and even sent them my last three months’ salary slips. They still said no to the Infinia LTF but offered me a Diners Black card instead. After some back-and-forth, I accepted the Diners Black as an LTF card.
  • Reality Hits: I quickly realized that the Diners Black card was a hassle—so many merchants, both online and offline, didn’t accept it. I contacted the grievance team again, asking for an upgrade to the Infinia card, but they declined.
  • Persistence Pays Off: After spending nearly 13 lakh on the Diners Black card over a year, I tried one more time to get the Infinia, but grievance team denied my requests.
  • A Lucky Break: Then, something lucky happened. A new HDFC branch opened near my home, and the BM there was someone I knew. I explained my situation, and he agreed to help. Normally, to upgrade to Infinia, you need to spend at least 7.5 lakhs in 6 months and have a 10 lakh limit on your Diners Club Black. I didn’t meet the second criteria, but the BM decided to push my request to the higher-ups anyway, based on my banking relationship, a 5 lakh FD, and regular account maintenance(preferred Group).
  • The Final Win: After a few weeks of waiting, they offered me the Infinia card—not LTF, but chargeable. I accepted, and after another month of waiting, the Infinia Metal card finally arrived at my home.
Final Thoughts: Holding that card was surreal. It had been a long journey with its fair share of ups and downs, but in the end, I got what I wanted. It just goes to show that persistence really does pay off.
Click to expand...
Congrats and Kudos to your persistent
 
rounakbhowmik said:
View attachment 65279
  • College Days: I’ve always been fascinated by credit cards, starting with my first one with icici salary account , an ICICI Platinum with a 30k limit, which I got in February 2020. It wasn’t much, but it felt like a big deal at the time.
  • Chasing the Millennia: A bit later, I set my sights on the HDFC Millennia card. @TechnoFino suggested I open a Max Savings Account with HDFC, so I did. But just as I was ready to apply, HDFC stopped issuing new cards due to RBI guidelines. Talk about bad timing!
  • Finally, Some Progress: After waiting for what felt like forever (8-9 months), early 2021 arrived, and I finally got a pre-approved offer for the Millennia card with a limit between 50k-1 lakh. It was a chargeable card, but I managed to spend enough within the first 90 days to get it converted to a lifetime free card. That felt like a win.
  • New Job, New Hopes: In July 2022, I started a new job with a decent salary (around 1.5-2.5L in hand). Feeling pretty confident, I approached my BM to see if I could get the Infinia card. Unfortunately, they said my salary wasn’t high enough. That was a bit of a letdown.
  • Not Giving Up: I wasn’t ready to give up, so I escalated my request to the grievance team and even sent them my last three months’ salary slips. They still said no to the Infinia LTF but offered me a Diners Black card instead. After some back-and-forth, I accepted the Diners Black as an LTF card.
  • Reality Hits: I quickly realized that the Diners Black card was a hassle—so many merchants, both online and offline, didn’t accept it. I contacted the grievance team again, asking for an upgrade to the Infinia card, but they declined.
  • Persistence Pays Off: After spending nearly 13 lakh on the Diners Black card over a year, I tried one more time to get the Infinia, but grievance team denied my requests.
  • A Lucky Break: Then, something lucky happened. A new HDFC branch opened near my home, and the BM there was someone I knew. I explained my situation, and he agreed to help. Normally, to upgrade to Infinia, you need to spend at least 7.5 lakhs in 6 months and have a 10 lakh limit on your Diners Club Black. I didn’t meet the second criteria, but the BM decided to push my request to the higher-ups anyway, based on my banking relationship, a 5 lakh FD, and regular account maintenance(preferred Group).
  • The Final Win: After a few weeks of waiting, they offered me the Infinia card—not LTF, but chargeable. I accepted, and after another month of waiting, the Infinia Metal card finally arrived at my home.
Final Thoughts: Holding that card was surreal. It had been a long journey with its fair share of ups and downs, but in the end, I got what I wanted. It just goes to show that persistence really does pay off.
Click to expand...
Itna mehanga card lene ka koi faida nhi hai
 
D₹V said:
Magnus vs Infinia fight coming soon ? 🙀🙀
Click to expand...
No Way Smile GIF by Muffin & Nuts

@drsel never got into any fight. He explains clearly the facts.

His level of patience is clearly seen in monthly threads that Edge points not yet credited. A patient guy never gets into any fight.
 
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