Denied upgrade to HDFC Infinia

[l0gic_b0mb]

I have a HDFC Indigo XL Rewards Credit Card with 13.2L annual limit, and ~4L spends in the last 6 months.

I also meet the required income eligibility criteria for Infinia.

I recently talked to an RM and he told me that I must have 8L+ spends in the last 6 months to qualify for an upgrade. Or if I choose to, I can close my existing Indigo XL Rewards credit card, wait for 3 months and then re-apply for Infinia.

I don't want to lose the credit history on my current card (it's been active almost 5 years). Any suggestions on what can I do here?

 

[shashankrt]

Speak to your Branch Manager. RMs at HDFC have been proved to be useless / clueless most of the time. Also see if you can put any more spends on indigo card.

 

[iamdhamo]

Check with Grievance-Redressalcc • grievance.redressalcc@hdfcbank.com

 

[iamdhamo]

I have a HDFC Indigo XL Rewards Credit Card with 13.2L annual limit, and ~4L spends in the last 6 months.

I also meet the required income eligibility criteria for Infinia.

I recently talked to an RM and he told me that I must have 8L+ spends in the last 6 months to qualify for an upgrade. Or if I choose to, I can close my existing Indigo XL Rewards credit card, wait for 3 months and then re-apply for Infinia.

I don't want to lose the credit history on my current card (it's been active almost 5 years). Any suggestions on what can I do here?

Ur salary should be > 2.7L per month which is what my rm said when I initially asked infinia

 

[quino]

Ur salary should be > 2.7L per month which is what my rm said when I initially asked infinia

when was this?

 

[Slayer]

when was this?

Long time many RMs and branch people dont even say 2.7+, they say net credit should be 3+

 

[suva]

Spends should be 8lakhs+ in last 6 months and credit limit>10 lakhs to upgrade to Infinia without any investment. You will need to escalate to Grievance.Redressalcc@hdfcbank.com with your spend details. With investment BM or RM will help.

 

[iamdhamo]

when was this?

1 year back

 

[ujjwal2024]

I got this reply just today

 

[PavanPavan is verified member.]

when hdfc credits 12500 points for the renewal fee for infinia credit card <Asking for friend>

 

[vine]

I got this reply just today
View attachment 64369

Now they have a minimum and maximum range. Sounds like new BS to every customer

 

[Explorer]

I had a diner millenium card from hdfc which I never used. If there is an existing credit card already, HDFC apply strict criteria on usage history to offer upgrade. Spending big amount on that entry level card to build history made no sense to me. So, finally I closed the card and applied through RM few months later (salary criteria) and got infinia. I hold a basic saving account with HDFC.

 

[Explorer]

Btw, I already had an FD of ~10L with HDFC when I applied for Infinia. It may have helped. But RM did not mention this. Just checked that salary criteria is matched.

 

[quino]

So, finally I closed the card and applied through RM few months later (salary criteria) and got infinia.

when was this & what was ur net salary?

 

[rajendra.kathera]

I requested for upgrade from Diners Black Plastic to Infinia. HDFC rejected saying I do not meet the bank eligibility criteria. Spending > 7.5L in last 6 months seems to be the major criteria for upgrade.

 

[GokulRamalingam]

I had a diner millenium card from hdfc which I never used. If there is an existing credit card already, HDFC apply strict criteria on usage history to offer upgrade. Spending big amount on that entry level card to build history made no sense to me. So, finally I closed the card and applied through RM few months later (salary criteria) and got infinia. I hold a basic saving account with HDFC.

Is it LTF one?

 

[GokulRamalingam]

I requested for upgrade from Diners Black Plastic to Infinia. HDFC rejected saying I do not meet the bank eligibility criteria. Spending > 7.5L in last 6 months seems to be the major criteria for upgrade.

Is hdfc following similar spending criteria for other HDFC cards?

 

[rajendra.kathera]

Is hdfc following similar spending criteria for other HDFC cards?

They consider spending criteria for upgrades to Regalia Gold, Diners Black and Infinia.

 

[sourabhiips]

Now they have a minimum and maximum range. Sounds like new BS to every customer

What is BS?

 

[vine]

What is BS?

BullSh#t . .