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Infinia Easiest way to get an Infinia Metal I've ever heard

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Swastik

Swastik

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Friend of mine called me today, he is an entrepreneur, has a startup with friends making and installing electric car chargers ,never had a credit card till now ,went upto HDFC bank Lucknow branch few weeks back to open an account with a check of 20 Lakhs and told them only if he gets an Infinia LTF ,first they said we'll give you DCB LTF ,try for Infinia after you open the account but he wouldn't take any of it ,told them either give Infinia or he'll take his business to Axis people (who were offering him Magnus) ,so the HDFC people agreed and he got an Infinia FYF with 55 Lakhs limit

What makes me jealous is that I'm 31 and the best I've got is a Magnus with 5 Lakhs limit ,which is like my 15th card my 8 year credit card journey ,Infinia is something of a dream for me ,can't even get DCB from them ,all I've from HDFC is a measly Millennia with 1.16 Lakhs limit

And this guy is just 29 & this is his first card. 🙄

Thoughts ?
 
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card-shard said:
No.
In most cases, not having akal is required.
A person needs to be dumb to put his/her 10L+ savings in their bank account.
Or invest in their regular mutual funds, or their ULIPS, or spend 8L+ of their hard earned money in 6months. In order to get card.🎸
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LOL.. absolutely... genuine spend only.. no manufacturing of spends just to get a card.. totally on point.. keeping money in bank is an individual choice..cant judge anyone on that..
 
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Swastik said:
Freind of mine called me today, he is an entrepreneur, has a startup with friends making and installing electric car chargers ,never had a credit card till now ,went upto HDFC bank Lucknow branch few weeks back to open an account with a check of 20 Lakhs and told them only if he gets an Infinia LTF ,first they said we'll give you DCB LTF ,try for Infinia after you open the account but he wouldn't take any of it ,told them either give Infinia or he'll take his business to Axis people (who were offering him Magnus) ,so the HDFC people agreed and he got an Infinia FYF with 55 Lakhs limit

What makes me jealous is that I'm 31 and the best I've got is a Magnus with 5 Lakhs limit ,which is like my 15th card my 8 year credit card journey ,Infinia is something of a dream for me ,can't even get DCB from them ,all I've from HDFC is a measly Millennia with 1.16 Lakhs limit

And this guy is just 27 & this is his first card. 🙄

Thoughts ?
Click to expand...
I got an Infinia Metal within months of it getting launched with 13L limit and I got an Axis Magnus last year around Feb/March with a combined limit of 6.5L (with my Axis Vistara Infinite) and I have easily made 20-25x rewards on Magnus as compared to Infinia.

What I am trying to tell you is if you use your card wisely you don't really need Infinia. The only reason I still keep Infinia is for easy unlimited domestic and international lounge access and because of its exclusivity. The day HDFC starts rolling out Infinia to almost every customer like Axis did with Magnus I'll probably close the card.
 
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card-shard said:
No.
In most cases, not having akal is required.
A person needs to be dumb to put his/her 10L+ savings in their bank account.
Or invest in their regular mutual funds, or their ULIPS, or spend 8L+ of their hard earned money in 6months. In order to get card.
Click to expand...
Putting 10L+ in savings account is not actually dumb. I see a lot of posts on this forum criticising people who keep that kind of money in savings account. But from a pure financial perspective, most people with families want to keep an emergency fund worth 2-3 months of salary. This could be to cover EMIs in case of job loss, unexpected medical emergencies etc.

While a Debt fund or any MF can give you better returns (T+2 liquidity), it can't give you the immediate liquidity of money in the bank. And this is done by a lot of people who don't even own or want credit cards. 10L in savings is for financial security and if using that you can get a premium card as a bonus then why not?
 
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Swastik said:
Well how about a student with no income getting his hands on infinia

www.technofino.in

How to get super premium cards ltf as a student 1O1

Greetings everyone! I've been receiving numerous direct messages regarding how I acquired almost all super-premium cards Lifetime Free (LTF) despite being a student. Allow me to elaborate on this achievement, attributing it to certain less-explored methods I experimented with. Additionally...
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Check it out
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Bugs is an affluent guy. Moreover he is closing the card.
 
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pratham2709 said:
I got an Infinia Metal within months of it getting launched with 13L limit and I got an Axis Magnus last year around Feb/March with a combined limit of 6.5L (with my Axis Vistara Infinite) and I have easily made 20-25x rewards on Magnus as compared to Infinia.

What I am trying to tell you is if you use your card wisely you don't really need Infinia. The only reason I still keep Infinia is for easy unlimited domestic and international lounge access and because of its exclusivity. The day HDFC starts rolling out Infinia to almost every customer like Axis did with Magnus I'll probably close the card.
Click to expand...
Agree, I earned 4.74 lacs points with magnus in 7 months and 18000 with Atlas. All redemption done at 5:4, thanks to Magnus Burgundy. It is the best card indeed
 
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callsignmaverick said:
Putting 10L+ in savings account is not actually dumb. I see a lot of posts on this forum criticising people who keep that kind of money in savings account. But from a pure financial perspective, most people with families want to keep an emergency fund worth 2-3 months of salary. This could be to cover EMIs in case of job loss, unexpected medical emergencies etc.

While a Debt fund or any MF can give you better returns (T+2 liquidity), it can't give you the immediate liquidity of money in the bank. And this is done by a lot of people who don't even own or want credit cards. 10L in savings is for financial security and if using that you can get a premium card as a bonus then why not?
Click to expand...
Most people need max 3L as emergency funds (equivalent to 3 months of expenses for an affluent family, covers more months for middle class families)

Additional money can be put in LIQUID mutual fund, same ease as savings account in terms of redemption, but gives higher returns.
People shouldn't be making life choices based on a EXTREMELY EXTREMELY RARE CASE, where you need money 10-30L in 2 days.
 
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card-shard said:
Most people need max 3L as emergency funds (equivalent to 3 months of expenses for an affluent family, covers more months for middle class families)

Additional money can be put in LIQUID mutual fund, same ease as savings account in terms of redemption, but gives higher returns.
People shouldn't be making life choices based on a EXTREMELY EXTREMELY RARE CASE, where you need money 10-30L in 2 days.
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I would tend to disagree here. EXTREMELY RARE cases are exactly what the emergency fund is for. In case if things are well, one would ever need to touch that emergency fund at all. Personally I feel 3L for a 3 month emergency fund in a city like Mumbai is just too little.

Call me old school if you may, but I would take the comfort of having 5-6L extra immediately available rather than having them in MFs where I would redeem it and get the money in T+2 days and probably another day to get it from Zerodha to my account. I might be losing on the interest but I gain a lot on peace of mind and also the banking relationships.

But I feel at the everyone has a different use case and lifestyle, so if 3L suits someone then definitely good for them.
 
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You know what really grinds my gears ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

Also ,how does HDFC know about my ICICI limts ,do banks get my credit report every month as well ?!
 
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Swastik said:
You know what really grinds my gears ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

Also ,how does HDFC know about my ICICI limts ,do banks get my credit report every month as well ?!
Click to expand...
Unless HDFC does a hard enquiry (this you should know), or you fetch CIBIL report via their portal (discontinued for 1+ yrs now), they won't know.
Most likely, you're overthinking about a co-incident.
I too keep getting loan offer from the CC banks, they keep changing loan amount, I keep ignoring those notifications/messages. 🤣
 
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card-shard said:
Unless HDFC does a hard enquiry (this you should know), or you fetch CIBIL report via their portal (discontinued for 1+ yrs now), they won't know.
Most likely, you're overthinking about a co-incident.
I too keep getting loan offer from the CC banks, they keep changing loan amount, I keep ignoring those notifications/messages. 🤣
Click to expand...
I've never used their portal for Credit score ,i only use onescore ,and it dosent show any loan enquires
and the amount is way too specific to my highest card limit from other bank ,Also the timing is on point as well

Something is up
 
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sidp said:
In t&c they mention periodic soft enquiry. It won't show up in credit report. It is also used to give auto LE.
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From what I know, it's incorrect. Only when you use bank's portal to get "free" credit report, they store it for upto 6 months on their end as well.

Plz share a screenshot of that sentence from T&C, which says such a thing, and t&c link.
 
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So i had a brief conversation with my friend just moments ago,

He was in Mumbai recently had a short meeting with some senior HDFC Exec's(Investments Vice President and Relationship Head),
After the meeting he asked about Infinia Reserve, they said it would be launched within next 6 months,
It seems they're still ironing out details of what benefits to offer and eligibility criteria to set,

But he feels that they both don't know much about it, their knowledge is as much as ours, they've also heard about it through internal grapevine only,
And they'll get concrete information about a month before the launch,
So make of it what you will.
 
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