Applying for 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.

 

[Dr.Anand456Dr.Anand456 is verified member.]

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.

Ask your brother to approach the HDFC Bank's Red Desk department and tell them that your card spending is good and that you have a high enough limit to qualify for an upgrade to the Infinia credit card. Try to charm the bank a little—they’ll most likely approve the upgrade. However, getting the Infinia card as a lifetime free card has lower chances. But, after one or two years, if your spending on Infinia is consistently good, you can request again to make it lifetime free.

If the Infinia upgrade doesn’t happen, there are other HDFC credit cards with similar benefits, specifically designed for self-employed or businesspersons, and the chances of upgrading to those are higher.

Ultimately, it all depends on HDFC's policies and their mood. Sometimes, they process upgrades easily, while other times, they might not, even after repeated requests. It also depends on the person to person.

 

[Indrajeet100]

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.

Point transfer will be at 1=.50. With this spend he should have earned two 5000 smartbuy flight vouchers in last 12months. If not encashed, get these before upgrade- valid for six months.

 

[Sobirvs]

Ask your brother to approach the HDFC Bank's Red Desk department and tell them that your card spending is good and that you have a high enough limit to qualify for an upgrade to the Infinia credit card. Try to charm the bank a little—they’ll most likely approve the upgrade. However, getting the Infinia card as a lifetime free card has lower chances. But, after one or two years, if your spending on Infinia is consistently good, you can request again to make it lifetime free.

If the Infinia upgrade doesn’t happen, there are other HDFC credit cards with similar benefits, specifically designed for self-employed or businesspersons, and the chances of upgrading to those are higher.

Ultimately, it all depends on HDFC's policies and their mood. Sometimes, they process upgrades easily, while other times, they might not, even after repeated requests. It also depends on the person to person.

What is hdfc red desk dept?? I don't even think he wants lifetime free, I mean he would love LTF, but his spending will be anyways high on infinia for the usage he have so he can get waiver ( I hope the waiver is automated as my brother won't call customer care and waste 5-10 times of his time even for 12k inr). Also, he won't visit branch as he isn't keen on credit cards, basically I am the one driving this whole thing for him. He doesn't know credit cards can become income source too. He won't have time neither interest to go to branch. He sure can make calls though. He also doesn't know the value of infinia, I told him few things but I am sure he will just use infinia like he does his regalia gold currently. Also I told him if he can spend 5L on the card more, it will be easy approval for him, he has his own business, so he told me he can swipe the card on his own machine tomorrow lol, he doesn't care for mdr charges, i told him don't for now. I think he can get the card without doing so.

Also, he likes VISA/MC only, he isn't into DCB, of which if you meant by "other hdfc credit cards". He likes his cards to be accepted, one card decline (like dcb/amex etc) and he will call me and shout at me saying what shit card i got for him lol, i can't risk that. His spends aren't really self-employed/business types. His spends on the card are actually personal. He prefers to use IMPS/UPI/RTGS more (you can figure how irriatingly dumb my brother is) for big spends to a business. His spends are like telecom bills, emi's for big purchases, shoes (7k-15k/pair), shirts/jeans/jackets, my brother is typically materialistic. His spends are also international as he get's tons of business foreign trips. Most of the times he passes those trips to mom-dad, me. But he goes to trips like 4-5 times a year with wife/kid. His foreign expense is handled my big brands so he doesn't have to spend anything on flights/accomodation but he does do shopping on forreign trips, so that goes on hdfc card. He has gives add on to wife/dad/mom, so those spends are also on primary card statement.

When you say Mood of HDFC, do you mean mood via email upgrade? or RM's mood or bank branch? I am guessing the ultimate decision is made in Tamil Nādu only right where HDFC is headquartered?

Point transfer will be at 1=.50. With this spend he should have earned two 5000 smartbuy flight vouchers in last 12months. If not encashed, get these before upgrade- valid for six months.

hmm, 1=.50 is better than what he get's on regalia gold. So no issues. Also he is someone who has let like about 20-25k points to expire. I checked his statements and I hated him so much that he let his points expire. He doesn't even open his statements. He uses the card like a dumb person and then has auto pay debit on the card. He doesn't even have time for parents or wife, let alone finding time to check statements.

Also about smartbuy flight vouchers, well idk, do those vouchers come on email? I can check that, but if they go to sms, then I don't know. He doesn't like me checking his phone. He is very irritatingly secretive about that, and he doesn't like me checking his savings account too, but he did open his netbanking offer page (he even didn't let me check his savings acc type etc), and he let me check his points page too. I checked for credit limit enhacement via his netbanking and hdfc declined(no cibil enquiry, just normal netbanking CL increase page) , also I checked for card upgrade via netbanking and hdfc had none for him there. I can surely check Reward points website for his card though, where can I find those vouchers?

Btw even if he get's vouchers, he won't use them, as all or any flights he take or my dad/mom/SIL takes are all covered expense by brands whose products he sells in his business, so i don't even think he needs vouchers lol but let me know where i can find them as sometimes I can use them 😀

 

[kuchbhikuchbhi is verified member.]

Your family @Sobirvs is on a whole another level. Sis, bro, mother lol.

 

[aniketkr.sharma]

Ask your brother to approach the HDFC Bank's Red Desk department and tell them that your card spending is good and that you have a high enough limit to qualify for an upgrade to the Infinia credit card. Try to charm the bank a little—they’ll most likely approve the upgrade. However, getting the Infinia card as a lifetime free card has lower chances. But, after one or two years, if your spending on Infinia is consistently good, you can request again to make it lifetime free.

If the Infinia upgrade doesn’t happen, there are other HDFC credit cards with similar benefits, specifically designed for self-employed or businesspersons, and the chances of upgrading to those are higher.

Ultimately, it all depends on HDFC's policies and their mood. Sometimes, they process upgrades easily, while other times, they might not, even after repeated requests. It also depends on the person to person.

Go for email to grievance route only.

RM'S in hdfc are weed feeder, they will go for closure of card or try to sell some policies etc.

 

[Sobirvs]

Your family @Sobirvs is on a whole another level. Sis, bro, mother lol.

It's mostly my OCD though lol.

 

[Sobirvs]

Go for email to grievance route only.

RM'S in hdfc are weed feeder, they will go for closure of card or try to sell some policies etc.

Hmm, can I get the email addresses which emails will work in this process?

Also once I try, will they do cibil enquiry?

Also, if I apply via email route, does that mean if my bro get's declined, he will have to wait to go through RM/relative employee/friend route who works at HDFC?

 

[aniketkr.sharma]

I think how they wasted money on low end cards.

If they wisely spent money on cards each family member have its own infinia without add-on

 

[aniketkr.sharma]

Hmm, can I get the email addresses which emails will work in this process?

Also once I try, will they do cibil enquiry?

Also, if I apply via email route, does that mean if my bro get's declined, he will have to wait to go through RM/relative employee/friend route who works at HDFC?

Email denied escalate not to go for in-person route as ITR is too low.

Grievance.Redressalcc@hdfcbank.com
Priorityredressal.creditcards@hdfcbank.com


First try on grievance then escalate to priority.

Write full description and your worthiness and utilization of cards in last 10 years.

No, they usually do cibil enquiry if limit increase is required.

 

[Sobirvs]

I think how they wasted money on low end cards.

If they wisely spent money on cards each family member have its own infinia without add-on

what ?? i didn't get this.

 

[aniketkr.sharma]

what ?? i didn't get this.

Means one can get infinia easily and then load spends on another card and get him infinia and so on there will be everyone having infinia

 

[Sobirvs]

Email denied escalate not to go for in-person route as ITR is too low.

Grievance.Redressalcc@hdfcbank.com
Priorityredressal.creditcards@hdfcbank.com


First try on grievance then escalate to priority.

Write full description and your worthiness and utilization of cards in last 10 years.

No, they usually do cibil enquiry if limit increase is required.

Oh, via RM/relative is always through ITR?? Btw my bro has all current acc's, pos machine (all under my mom's biz name) at hdfc, will they factor that too?

I think there was another email no, something like infinia services something I remember seeing that once, should i try that too?

Sure, will write a good description , but won't it be lengthy and boring? Does HDFC allows seeing such old statements? I have access of last 13 statements for now and my brother gets irritated when I ask for axx to netbanking lol. I have axx to his email so can write email and he won't mind this, he is fine with me using email.

 

[Sobirvs]

Means one can get infinia easily and then load spends on another card and get him infinia and so on there will be everyone having infinia

Thing is my dad/SIL/mom aren't interested in credit cards. They use add on only for lounge axx + spends only because they know brother will pay it not themselves. If they have independent cc's, they won't use it for even a penny... embarrassing i knw but that's how traditional families work lol

 

[aniketkr.sharma]

Thing is my dad/SIL/mom aren't interested in credit cards. They use add on only for lounge axx + spends only because they know brother will pay it not themselves. If they have independent cc's, they won't use it for even a penny... embarrassing i knw but that's how traditional families work lol

I too know that as my family also depends on my cards.

 

[Sobirvs]

Email denied escalate not to go for in-person route as ITR is too low.

Grievance.Redressalcc@hdfcbank.com
Priorityredressal.creditcards@hdfcbank.com


First try on grievance then escalate to priority.

Write full description and your worthiness and utilization of cards in last 10 years.

No, they usually do cibil enquiry if limit increase is required.

btw when I write emails and write on spends on the card, spends means due amount only right?? like I just total the due amount of 12 months = 1 year ? for example, interest payments aren't counted as spends do they? If, yes, then my brothers spends will be like 9L rather than 10L in last 1 yr.

 

[aniketkr.sharma]

Oh, via RM/relative is always through ITR?? Btw my bro has all current acc's, pos machine (all under my mom's biz name) at hdfc, will they factor that too?

I think there was another email no, something like infinia services something I remember seeing that once, should i try that too?

Sure, will write a good description , but won't it be lengthy and boring? Does HDFC allows seeing such old statements? I have access of last 13 statements for now and my brother gets irritated when I ask for axx to netbanking lol. I have axx to his email so can write email and he won't mind this, he is fine with me using email.

Yes, they will always ask ITR as in credit cards they have to show income of user.

No infinia email is for infinia user's not for any other card users.

 

[aniketkr.sharma]

btw when I write emails and write on spends on the card, spends means due amount only right?? like I just total the due amount of 12 months = 1 year ? for example, interest payments aren't counted as spends do they? If, yes, then my brothers spends will be like 9L rather than 10L in last 1 yr.

Go on redeem rewards option and check how much spends are there in a card anniversary and tell them that only.

Also mention there relation and cards usage and till now from 10 years used that much etc

 

[elite34700]

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.

Infinia will be rejected for sure, even BBH approval not working these days for spend waiver, alternatively go for bizblack.

 

[Dr.Anand456Dr.Anand456 is verified member.]

I

What is hdfc red desk dept?? I don't even think he wants lifetime free, I mean he would love LTF, but his spending will be anyways high on infinia for the usage he have so he can get waiver ( I hope the waiver is automated as my brother won't call customer care and waste 5-10 times of his time even for 12k inr). Also, he won't visit branch as he isn't keen on credit cards, basically I am the one driving this whole thing for him. He doesn't know credit cards can become income source too. He won't have time neither interest to go to branch. He sure can make calls though. He also doesn't know the value of infinia, I told him few things but I am sure he will just use infinia like he does his regalia gold currently. Also I told him if he can spend 5L on the card more, it will be easy approval for him, he has his own business, so he told me he can swipe the card on his own machine tomorrow lol, he doesn't care for mdr charges, i told him don't for now. I think he can get the card without doing so.

Also, he likes VISA/MC only, he isn't into DCB, of which if you meant by "other hdfc credit cards". He likes his cards to be accepted, one card decline (like dcb/amex etc) and he will call me and shout at me saying what shit card i got for him lol, i can't risk that. His spends aren't really self-employed/business types. His spends on the card are actually personal. He prefers to use IMPS/UPI/RTGS more (you can figure how irriatingly dumb my brother is) for big spends to a business. His spends are like telecom bills, emi's for big purchases, shoes (7k-15k/pair), shirts/jeans/jackets, my brother is typically materialistic. His spends are also international as he get's tons of business foreign trips. Most of the times he passes those trips to mom-dad, me. But he goes to trips like 4-5 times a year with wife/kid. His foreign expense is handled my big brands so he doesn't have to spend anything on flights/accomodation but he does do shopping on forreign trips, so that goes on hdfc card. He has gives add on to wife/dad/mom, so those spends are also on primary card statement.

When you say Mood of HDFC, do you mean mood via email upgrade? or RM's mood or bank branch? I am guessing the ultimate decision is made in Tamil Nādu only right where HDFC is headquartered?



hmm, 1=.50 is better than what he get's on regalia gold. So no issues. Also he is someone who has let like about 20-25k points to expire. I checked his statements and I hated him so much that he let his points expire. He doesn't even open his statements. He uses the card like a dumb person and then has auto pay debit on the card. He doesn't even have time for parents or wife, let alone finding time to check statements.

Also about smartbuy flight vouchers, well idk, do those vouchers come on email? I can check that, but if they go to sms, then I don't know. He doesn't like me checking his phone. He is very irritatingly secretive about that, and he doesn't like me checking his savings account too, but he did open his netbanking offer page (he even didn't let me check his savings acc type etc), and he let me check his points page too. I checked for credit limit enhacement via his netbanking and hdfc declined(no cibil enquiry, just normal netbanking CL increase page) , also I checked for card upgrade via netbanking and hdfc had none for him there. I can surely check Reward points website for his card though, where can I find those vouchers?

Btw even if he get's vouchers, he won't use them, as all or any flights he take or my dad/mom/SIL takes are all covered expense by brands whose products he sells in his business, so i don't even think he needs vouchers lol but let me know where i can find them as sometimes I can use them 😀

You didn’t need to explain so much 😅, but anyway, I understand your situation clearly now. I’m providing you with an email ID – it’s the grievance redressal email: Grievance-Redressalcc@hdfcbank.com. Ask your brother to send an email to this address. They usually respond quickly here, so the issue should be resolved sooner.


As for the card I mentioned earlier for self-employed and business purposes, it’s the Biz Black Metal Edition Card. Yes, it operates on the Diners Club network, but for business-related transactions, this card would be more stable for your brother. Compared to Infinia, Biz Black is relatively easier to get.


Regarding approvals, the final decision is always made by the headquarters – it’s their call. However, in my experience, mailing them is more effective than relying on the RM or customer care. Speaking from personal experience here. Of course, the rest depends on luck.


You’re probably already aware that with HDFC Bank, nothing is predictable. Sometimes, those who hardly use their cards get high credit limits and frequent upgrade offers, while active users often have to wait a long time for limit enhancement or upgrade offers – or they need to put in extra effort themselves. That’s why I was saying it all depends on their mood. It’s HDFC – anything can happen! 😄