Bank Not Acknowledging HDFC Infinia LTF Offer

[moriarty]

3 days ago, I got an offer for Infinia Metal on the online NetBanking page (in my mother's account)

The application page clearly mentioned Joining Fee: 0, Renewal Fee:0, and on top of that, it also showed an Amazon 1500 GV. I applied for the same and made a very rookie mistake of not taking a screenshot of the offer.

Today I got the card and called the Infinia CC helpline to confirm the fee structure, and they said it is a paid card.

What is the best course of action to take now?

I have already dropped an email to infinia.services {at} hdfcbank .com, but I am sure they will not acknowledge it. What's the best course of action to take now? I already hold a paid Infinia myself, and after Axis, I rarely use this card. Shall I close the card without activating it?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Most likely they will not acknowledge it , hdfc is not offering Metal Infinnia LTF
You can close the card , if the card was an upgrade then it should have been FYF
Is it offered as a fresh card or an upgrade ?

 

[moriarty]

Most likely they will not acknowledge it , hdfc is not offering Metal Infinnia LTF
You can close the card , if the card was an upgrade then it should have been FYF
Is it offered as a fresh card or an upgrade ?

Fresh card

 

[Rahul Gupta]

Fresh card

Bro fresh infinia pre-approved? damn. May i know your mother's account variant and her NRV with bank if you don't mind.

 

[moriarty]

Bro fresh infinia pre-approved? damn. May i know your mother's account variant and her NRV with bank if you don't mind.

Imperia Account.
I used to check pre-approved CC offer in her account every 6 months. They have been offering Regalia for over 4 years but didn't take it. Checked it 3 days ago randomly, and it showed Infinia this time.

 

[moriarty]

Most likely they will not acknowledge it , hdfc is not offering Metal Infinnia LTF
You can close the card , if the card was an upgrade then it should have been FYF
Is it offered as a fresh card or an upgrade ?

I've heard that if I close this, they will never offer a pre-approved card on her account, ever!

Seems like I got stuck with this. :/

 

[Rahul Gupta]

Imperia Account.
I used to check pre-approved CC offer in her account every 6 months. They have been offering Regalia for over 4 years but didn't take it. Checked it 3 days ago randomly, and it showed Infinia this time.

Damn bro 4 years? I couldn't even wait for 4 months. btw how much limit you got?


And for your question- Hdfc sometimes don't check properly so ask their grievance team about LTF status or if not LTF then use for one year as it should be FYF then downgrade to ragalia LTF.

 

[moriarty]

Damn bro 4 years? I couldn't even wait for 4 months. btw how much limit you got?


And for your question- Hdfc sometimes don't check properly so ask their grievance team about LTF status or if not LTF then use for one year as it should be FYF then downgrade to ragalia LTF.

10L

Let's see what they reply

 

[SoggypastA]

Did you read right before applying, HDFC scams writing Lifetime* Free Credit Card

 

[moriarty]

Did you read right before applying, HDFC scams writing Lifetime* Free Credit Card

It clearly mentioned
Joining Fee: 0
Renewal Fee: 0

Really did a very naive mistake of not taking the screenshot. Seeing the zero fees, I applied without even having a second thought. And just after I applied, it clicked to me that I should have taken the screenshot, and my concern came out to be true :/

 

[RupayMan]

3 days ago, I got an offer for Infinia Metal on the online NetBanking page (in my mother's account)

The application page clearly mentioned Joining Fee: 0, Renewal Fee:0, and on top of that, it also showed an Amazon 1500 GV. I applied for the same and made a very rookie mistake of not taking a screenshot of the offer.

Today I got the card and called the Infinia CC helpline to confirm the fee structure, and they said it is a paid card.

What is the best course of action to take now?

I have already dropped an email to infinia.services {at} hdfcbank .com, but I am sure they will not acknowledge it. What's the best course of action to take now? I already hold a paid Infinia myself, and after Axis, I rarely use this card. Shall I close the card without activating it?

I would say the mistake is your, knowing the top card of HDFC is infinia and you already have it for you, double checking with customer care before applying should have done. This is where the community helps you. My suggestion is banks never going to acknowledge a error made from their end, even Gpay credited 1000$ randomly to few ppl by mistake and revoked. We cannot battle with them why revoked right. Like that.. don't waste time brother, ask the CC to downgrade if not close it.

 

[moriarty]

I would say the mistake is your, knowing the top card of HDFC is infinia and you already have it for you, double checking with customer care before applying should have done. This is where the community helps you. My suggestion is banks never going to acknowledge a error made from their end, even Gpay credited 1000$ randomly to few ppl by mistake and revoked. We cannot battle with them why revoked right. Like that..

Yes, I agree. I will be more cautious next time onwards.

 

[moriarty]

there will be an asterisk mark at the bottom of page with a very small font that the card will be LTF on an annual spends of Rs 10 lacs.

This is a very unfair practice. That is wrong on so many levels. Don't know why these banks don't understand that these tactics come at a very hefty cost of lost customer loyalty!

Anyways, if it is a paid version, I will still get 12500 points, right?

 

[anirbanm]

3 days ago, I got an offer for Infinia Metal on the online NetBanking page (in my mother's account)

The application page clearly mentioned Joining Fee: 0, Renewal Fee:0, and on top of that, it also showed an Amazon 1500 GV. I applied for the same and made a very rookie mistake of not taking a screenshot of the offer.

Today I got the card and called the Infinia CC helpline to confirm the fee structure, and they said it is a paid card.

What is the best course of action to take now?

I have already dropped an email to infinia.services {at} hdfcbank .com, but I am sure they will not acknowledge it. What's the best course of action to take now? I already hold a paid Infinia myself, and after Axis, I rarely use this card. Shall I close the card without activating it?

This is a once in a lifetime mistake ...

 

[amitalpha]

Yes you will get points. Keep the card only if you want to use it else no point in keeping this card if you are thinking that the bank will convert it into a LTF variant. If you want a LTF card from HDFC then better to downgrade this card to Regalia LTF variant. Regalia RuPay card can also be linked with UPI.

what does it really means when it provides 12,500 points , how are they useable like we already paid fee of Rs. 12,500 or whenever we pay, now we got 12500 points which is equal to benefit of RS.12500 can they be converted into statements credits and effective its Rs 0 for the card?

 

[Indu14]

3 days ago, I got an offer for Infinia Metal on the online NetBanking page (in my mother's account)

The application page clearly mentioned Joining Fee: 0, Renewal Fee:0, and on top of that, it also showed an Amazon 1500 GV. I applied for the same and made a very rookie mistake of not taking a screenshot of the offer.

Today I got the card and called the Infinia CC helpline to confirm the fee structure, and they said it is a paid card.

What is the best course of action to take now?

I have already dropped an email to infinia.services {at} hdfcbank .com, but I am sure they will not acknowledge it. What's the best course of action to take now? I already hold a paid Infinia myself, and after Axis, I rarely use this card. Shall I close the card without activating it?

Infinia is not offered as LTF and it's given to premium customers on invite only and many won't be getting it.
It's a worthy card actually and you can have unlimited lounge facilities too and kindly read through the benefits and try using it for two months, also if u too hold HDFC account, try getting an add on card and consolidate and use it and still not interested, u can very well close the card.
If you wish you can request a downgrade to regalia by placing a mail request to your mother's relationship manager. Contact details you can find in your net banking profile section.
And once reconfirm if regalia can be offered as LTF based on corporate list or any other card as LTF based on premium institutes

 

[gurubhai]

As you have paid the fees, use it for 10-11 months at least before downgrading..

 

[Vishnu]

Imperia Account.
I used to check pre-approved CC offer in her account every 6 months. They have been offering Regalia for over 4 years but didn't take it. Checked it 3 days ago randomly, and it showed Infinia this time.

Where to check for pre approved card offers in HDFC. Could you specify which area of netbanking one should visit?

 

[Vishnu]

Either there was a glitch in HDFC's system which showed 0 Joining and 0 Annual Fees or you may have misinterpreted it as HDFC has the habit to show Joining and Annual Fees as NIL while there will be an asterisk mark at the bottom of page with a very small font that the card will be LTF on an annual spends of Rs 10 lacs.

I agree with this. Have seen it many times. However for Neu Infinity card it was showing as LTF for me and after the card got issued.I contacted the customer care and they also confirmed this. There was no asterisk mark for that offer. So if it is unconditional LTF they will keep up with their word.

 

[akshayhs]

I agree with this. Have seen it many times. However for Neu Infinity card it was showing as LTF for me and after the card got issued.I contacted the customer care and they also confirmed this. There was no asterisk mark for that offer. So if it is unconditional LTF they will keep up with their word.

For some people it is displayed as spend X to waive annual charges, while joining free is already waived off.
For others, it is displayed as Life time free right in the card offer page itself. In that case, it is LTF by default as long as you take a screenshot or record the entire application process and keep it with you as evidence to prove you were indeed offered LTF.

It depends on the type of offer you get. I am genealizing and not mentioning it specific to Neu cards.