My BM asked me ULIP of 5.5L/Yr for 6 yrs and deducted the first installment as well for Infinia but poor guy was not able to get approval even after escalating till product head Parag. So, i denied the KYC for the ULIP.
Just to add cherry on top, my net salary was 57L and had more cash in account than Infinia criteria and net NRV close to a CR, existing card limit was 15L.
So, if not band very tough now. He had shown me at-least 10 mail follow-ups to different levels.
In the end i got INFINIA without any ULIP after taking everything in my hand and some escalations without including RM/BM in the process.
I started the journey back in Sept 24 and got the card in Feb'25