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

[Quiksilver27]

Yes, I have 17 credit card for spouse as well, I think there won't be a bank in India whose credit card I don't have including PSB. Even I got flagged at airport security once, as they could not believe I could have such large number of cards in a cardboard 😛

With so many cards they must have mistaken you for Vijay Mallya😜

 

[Hemang]

Buy the iphone

How do you even track the due dates?

bhai card jyada ho skte hain but unme se bill kitno ka generate hota hai har month vo important hai, more or less 3/4 cards ka maximum bill generate hota hai, baki to cupboard ki shobha badhate hain credit card baki ke to.

 

[drsel]

Yes

Yes, I have 17 credit card for spouse as well, I think there won't be a bank in India whose credit card I don't have including PSB. Even I got flagged at airport security once, as they could not believe I could have such large number of cards in a cardboard 😛

Carry only the useful cards on a flight.

 

[BVCBVC is verified member.]

Carry only the useful cards on a flight.

Is that a problem?? Carrying multiple cards?? 😱

 

[drsel]

Is that a problem?? Carrying multiple cards?? 😱

Only If there a many metal cards in your carry on bag they will open the bag to check everything.
Also if there are too many cards in your wallet it becomes very bulky and heavy

 

[BVCBVC is verified member.]

Only If there a many metal cards in your carry on bag they will open the bag to check everything.
Also if there are too many cards in your wallet it becomes very bulky and heavy

Usability point of view that's it.

 

[nikhilesh71]

Only If there a many metal cards in your carry on bag they will open the bag to check everything.
Also if there are too many cards in your wallet it becomes very bulky and heavy

Of course, I can't carry so many cards in wallet, that's why it was in a separate cardboard box. I was going for a long vacation trip, so I thought I would carry all my cards along with me. Anyways, it was not a major trouble, Just security got suspicious for a moment.

 

[Hemang]

Of course, I can't carry so many cards in wallet, that's why it was in a separate cardboard box. I was going for a long vacation trip, so I thought I would carry all my cards along with me. Anyways, it was not a major trouble, Just security got suspicious for a moment.

bhai do share cardboard box photo with us along with buying link. 😎

 

[sirpunch]

• College Days:

Somehow, both Raunak & Bhaumik were my classmates! Although in different classes. 😄

 

[sri_cc]

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.

congrats on a journey of persistence and finally getting what you wanted

 

[shantanu]

Got an upgrade today as a master card varient. Do we also have master card?? Card was not dispatched. Got the update on official app

 

[BVCBVC is verified member.]

Got an upgrade today as a master card varient. Do we also have master card?? Card was not dispatched. Got the update on official app

Congratulations. Infinia is available on Visa and Mastercard networks.

 

[tachniki]

Any difference between mastercard and Visa variant? Anyone better than another?

 

[dexter_greycells]

Any difference between mastercard and Visa variant? Anyone better than another?

I can think of only one. The Visa one is of the Infinite tier and sometimes you can snag a BOGO (up Rs 300 OFF) on BookMyShow.

 

[BVCBVC is verified member.]

Any difference between mastercard and Visa variant? Anyone better than another?

HDFC Swiggy is also on same MC variant as Infinia. Better to chose Visa Infinite (If you have choice). But in actual network doesn't matter for Infinia.

 

[tachniki]

I didn't see any option while applying offline. So, now whatever it may come.

 

[drsel]

HDFC Swiggy is also on same MC variant as Infinia. Better to chose Visa Infinite (If you have choice). But in actual network doesn't matter for Infinia.

They don't give you a choice of Visa, MasterCard or rupay

 

[jar89]

Quick qn: Is there a way we can know how much accelerated RP's we have accumulated in the current month?

 

[rounakbhowmik]

Quick qn: Is there a way we can know how much accelerated RP's we have accumulated in the current month?

I guess 15000

 

[jar89]

I guess 15000

Yeah, but what I want to know is, out of that limit how much have I already attained.
Lets say am already sitting at 13000 and then if I do a hotel/flight booking and if it could give me 10000 points - I will get only 2000 in this case right.
So I can wait for next month so that the 15000 get reset and then do the booking.
Basically I want to know how much have I already achieved w.r.t the 15000.