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Applying for HDFC Infinia card Tomorrow - Strategy, Tips?

Sobirvs

TF Ace
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.
 
Is

That's why I said that getting the Infinia card is difficult, but getting the Business Black card is easier. Try emailing them again for the Business Black card after a few days.

By the way, which email ID did you send your request to? Was it the grievance department's email or some other email ID?
is there any way to upgrade biz power to bizblack

i have itr of 19lk with 3 lakh limit on biz power
spending around 1.5-2 lakh on biz power every month from may 2024 that is since is issued to me
 
@Sobirvs
Yhi maal to hume chiye. Can you ask your RM where she gets her stuff? I wanna smoke the same thing.

I talked to her yesterday and my brother even though handles a business but he draws a salary from that business every month so he comes under salaried so she said if you want to apply under spend based criteria, just make sure you spend b/w 10-15L or 15-20L coz that gives you a chance of 80% that you will be given infinia. I said the criteria afaik is 8-9L spending, but she said if they decline then? so make sure u spend 10-15 or 15-20L to give u better chances.
 
I talked to her yesterday and my brother even though handles a business but he draws a salary from that business every month so he comes under salaried so she said if you want to apply under spend based criteria, just make sure you spend b/w 10-15L or 15-20L coz that gives you a chance of 80% that you will be given infinia. I said the criteria afaik is 8-9L spending, but she said if they decline then? so make sure u spend 10-15 or 15-20L to give u better chances.
Even with 7 lakhs spent they approve sometimes, don't go for there ask.

They just want to be sure from there end by deviating customers, if they found spends are not valid then they will decline.

All depends on where you are spending and for what.

Don't go for big figure.
 
Even with 7 lakhs spent they approve sometimes, don't go for there ask.

They just want to be sure from there end by deviating customers, if they found spends are not valid then they will decline.

All depends on where you are spending and for what.

Don't go for big figure.
hmm, will do mix spending, some insurance spends, lic spends are coming too, trip spends and then own pos machine some.. that should work i guess?

any idea what this crmnxtech team is?

View attachment 82241
got this further email for this service req. crm, looks like they are going to income itr route which I know will result to decline anyways, what to do??

I got this email after I emailed to pno and priority red.
1738309220367.webp
 
hmm, will do mix spending, some insurance spends, lic spends are coming too, trip spends and then own pos machine some.. that should work i guess?


got this further email for this service req. crm, looks like they are going to income itr route which I know will result to decline anyways, what to do??

I got this email after I emailed to pno and priority red.
View attachment 82358
Lol they forwarded your request to grievance and grievance sent you a generic reply.
 
hmm, will do mix spending, some insurance spends, lic spends are coming too, trip spends and then own pos machine some.. that should work i guess?


got this further email for this service req. crm, looks like they are going to income itr route which I know will result to decline anyways, what to do??

I got this email after I emailed to pno and priority red.
View attachment 82358
Ye sabko same aisa hi mail bhejte hai. Bina itr ke ye upgrade nahi karenge ashani se.
 
So what's the solution if I don't want them to do it via ITR and do it via relationship/spends.?

I you have close to a CR in deposits / Cash (RV) you need traditional escalations for approval which RM can help.

CC dept. is not going to help there. They can only help when criteria is 100% met.

For new to bank (0 existing CC) : 5L net salary / 60L ITR
For Existing CC : 10L spends and 9L CL.

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.
 
So what's the solution if I don't want them to do it via ITR and do it via relationship/spends.?
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.
 
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