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.

 

[Ram1]

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
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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

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Is this paid infinia or ltf?

 

[Sobirvs]

Is this paid infinia or ltf?

I didn't ask. People are saying it is paid only. I can ask BM tomorrow and report back. Most probably it is paid not LTF.

 

[techstrom007]

Is this paid infinia or ltf?

Paid. Ltf infinia is nearly impossible now

 

[Sobirvs]

Paid. Ltf infinia is nearly impossible now

Dude, stop shitposting and make a thread to tell us your Infinia story 😍😛

 

[Ram1]

Paid. Ltf infinia is nearly impossible now

Agree but giving 1crore investment to bank and getting paid card is foolishness imo.
People got ltf infinia by ulips or below 30L investments in the past

 

[techstrom007]

Agree but giving 1crore investment to bank and getting paid card is foolishness imo.
People got ltf infinia by ulips or below 30L investments in the past

I already had close to a CR in deposits and 57L net salary credit in HDFC. If i combine my wife salary as well ( she is already under my family banking) it's close to 90L /Yr.

Still it took me 5 months to get the card through multiple esclations and threats to change the bank.

No one in the bank i met denied the card still no one was able to get it just because of that 3L criteria miss. 😕

Additionally to add more, i was ready for the 5L/yr for 6yrs ULIP as well.

The only easy way to get the card is spend 10L in 6 months, forgot LTF.

 

[elite34700]

I didn't ask. People are saying it is paid only. I can ask BM tomorrow and report back. Most probably it is paid not LTF.

I am yet to check on this ..I believe this model is similar to kotak privy black, LTF is still possible basis TRV. However, I will check and get back if there is any information.

 

[techstrom007]

I am yet to check on this ..I believe this model is similar to kotak privy black, LTF is still possible basis TRV. However, I will check and get back if there is any information.

2200 is what it all costs. Get the card and pay the gst, if you already maintain a CR.

 

[elite34700]

2200 is what it all costs. Get the card and pay the gst, if you already maintain a CR.

Haha can't bro I already use an LTF infinia 😛 , but in general issuing an LTF card is much beneficial for the bank in my perspective essentially when the trade off is fee = points.

 

[Ram1]

I already had close to a CR in deposits and 57L net salary credit in HDFC. If i combine my wife salary as well ( she is already under my family banking) it's close to 90L /Yr.

Still it took me 5 months to get the card through multiple esclations and threats to change the bank.

No one in the bank i met denied the card still no one was able to get it just because of that 3L criteria miss. 😕

Additionally to add more, i was ready for the 5L/yr for 6yrs ULIP as well.

The only easy way to get the card is spend 10L in 6 months, forgot LTF.

Its all about right contacts and knowledgeable people. If we get bad contacts we can't do anything. There are RMs & BMs who's processed applications without even meeting criteria, that too in a month time.
Note - I'm also that one who's always having bad contacts 😂

 

[techstrom007]

Dude, stop shitposting and make a thread to tell us your Infinia story 😍😛

One thing i can say, you will only dream infinia until you get it and it was the most exiciting part of the journey.

Now it's all normal like before the rat race. 🤣 🤣 and don't feel the exictement . Ghar ke murgi daal barabar

 

[techstrom007]

Haha can't bro I already use an LTF infinia 😛 , but in general issuing an LTF card is much beneficial for the bank in my perspective essentially when the trade off is fee = points.

🙏🙏 bhai aap guru ho humare. Sab aapki kripa se hua hai

 

[techstrom007]

Its all about right contacts and knowledgeable people. If we get bad contacts we can't do anything. There are RMs & BMs who's processed applications without even meeting criteria, that too in a month time.
Note - I'm also that one who's always having bad contacts 😂

90% of HDFC employees don't know the process at all. They can do 2 things FD & Ulips.

 

[Ram1]

90% of HDFC employees don't know the process at all. They can do 2 things FD & Ulips.

Can't deny this.
But there are smart people who's got infinia by intelligent ways.

First one I heard in my journey -
3 years back, a guy from Mumbai gave 5L cheque for imperia account and his RM got him infinia approved without any additional documentation.

Lastly-
Latest one is @SSV bro got ltf infinia through ulips.

Its all about right contacts who can do task for us

 

[techstrom007]

Can't deny this.
But there are smart people who's got infinia by intelligent ways.

First one I heard in my journey -
3 years back, a guy from Mumbai gave 5L cheque for imperia account and his RM got him infinia approved without any additional documentation.

Lastly-
Latest one is @SSV bro got ltf infinia through ulips.

Its all about right contacts who can do task for us

Those were good old days, When RBI ban HDFC to issue new cc's many people got preapproved INFINIA upgrades as well.

From Oct last yr, everything is changed . Now its very tough.

 

[elite34700]

Can't deny this.
But there are smart people who's got infinia by intelligent ways.

First one I heard in my journey -
3 years back, a guy from Mumbai gave 5L cheque for imperia account and his RM got him infinia approved without any additional documentation.

Lastly-
Latest one is @SSV bro got ltf infinia through ulips.

Its all about right contacts who can do task for us

Either that or convince them that you are the right profile and issuing you a card is beneficial for them ( either financially or social networking or marketing ), there is always an opportunity to explore. In the midst of all this , I am exploring additional opportunity to still try for a few ltf infinia's. I will share an update if successful.

 

[elite34700]

Those were good old days, When RBI ban HDFC to issue new cc's many people got preapproved INFINIA upgrades as well.

From Oct last yr, everything is changed . Now its very tough.

Last conversation I had " The stringency in approvals was only to hold adequate enthusiasts and motivate them to increase CASA to get infinia metal. All that was to ensure this new policy is a success. Everything is driven by product here. HDFC product is super smart that way. Indusind apna pioneer private 1 cr CASA pe issue karta hai, hdfc noticed that long back, they bumped criteria to increase longevity of the product and tightened the approval process to accumalate CASA through the new policy. Now comes the question of infinia reserve ( this ain't gonna happen soon last I heard ) will only increase the NPA . "