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Infinia Experience with Infinia Upgrade

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CC_Exuberant

CC_Exuberant

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Hi Everyone ,

Like others I too struggled a lot to get Inifinia FYF from DCB LTF. I wanted to share my overall experience with the whole process and journey , It might be useful to others .

  • Sent mails to Grievance.Redressalcc@hdfcbank.com , but they rejected saying my existing credit limit(7.94 L ) is not 10 lakhs.
  • Again asked them to reconsider as I had been told before if I spend 7.5 lakhs in last 6 months and limit of 8 lakhs would make me eligible for ugrade, but they again declined.
  • Again sent PriorityRedressal.CreditCards@hdfcbank.com , but they too declined after they reviewed my salary .
  • Asked them to close my salary account which I hold for last 12 years , but nothing happened as if they were saying " Go close but upgrade is not happening "
  • Visited branch and asked them to close my account or upgrade the card , but they told they are helpless .
  • Asked my CSRM to look into my request and he promised he will try his best for taking approval for deviation which he did after so many iterations of rejections.
  • Meanwhile I came to know about my virtual RM who seemed to be jugaaru guy , and he calls me every other day if I promise him for taking some plans like insurances with him he can get Inifinia in 10 days of timeline . First I thought I will just show interest and lets see if he can get me approval or not. to my surprise he got approval and now everyday he is asking for upgrade ( the only catch here is that I should give business to him ). Since I got approval with my CSRM ( corporate RM ) , I told him I have already got request raised , but he keeps on asking if you have not received the card he will get me in short time.
I am just curious how this Inifia upgrade is so dubious process ! I asked them to let my DCB also active but they declined . And on the same time my colleague got upgrade and DCB both by sharing the limit !

Hope this helps who are interested for upgrade to Inifinia.

Update 1 [ Aug 25]: Finally after so many follow ups , I can see Infinia Metal card in the app today.

Update 2 : To my pleasant surprise , I have been upgraded to Infinia Metal LTF from DCB LTF. I just double checked with Infinia support team ☺️
 
Last edited:
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Harry1 said:
Got final rejection mail for LTF.

Here are some calculations for myself 😜.

Among DCB and Infinia, only benefit is Instant voucher 3x vs 5x, which I am not sure if it will stay for another one year.

Considering each point as 0.85 rs and additional 1% for DCB milestones.

For Amazon pay, 6.5% vs 11.2%
For ASV, 7.5% vs 12.2%
For Flipkart voucher, 9.5% vs 14.2%

Net profit 4.7% on max 40K per month, which is 1880 per month.

Net extra charge for Infinia is 14750-12500*.85 = 4125.

If I consider even 3 months of such spends, I am in net profit. Only concern is that it should not get devalued before that😅.

There are a few additional advantages also like utility, insurance and education categories are not excluded.

So I am thinking to take it, as it is anyway FYF and see next year again if it gets devalued or brought closer to DCB.

Will try going Tata neu route for getting back the LTF DCB afterwards, as suggested by few people earlier.

Any idea how milestone and anniversary year is counted in case of upgrades with HDFC? With sbi and bob, anniversary is tied to original card and milestone is tied to upgraded card. What is the rule here?
Click to expand...
Can see infinia metal in Mobile app today. Showing as "V Infinia Metal card". What is V?
 
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Harry1 said:
Can see infinia metal in Mobile app today. Showing as "V Infinia Metal card". What is V?
Click to expand...
Card delivered, activated and did one transaction.

Customer care confirmed it being FYF (No LTF😔). No welcome benefits apart from Club Marriott Membership.

Same billing date. All points transferred 1:1. DCB disabled. GVP transferred to Infinia with same renewal date as before.

Interestingly this card also has college name embossed like DCB.
 
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Harry1 said:
Card delivered, activated and did one transaction.

Customer care confirmed it being FYF (No LTF😔). No welcome benefits apart from Club Marriott Membership.

Same billing date. All points transferred 1:1. DCB disabled. GVP transferred to Infinia with same renewal date as before.

Interestingly this card also has college name embossed like DCB.
Click to expand...
Unable to register priority pass, it says more than 7 year expiry not possible. Will try next month.
 
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Harry1 said:
Card delivered, activated and did one transaction.

Customer care confirmed it being FYF (No LTF😔). No welcome benefits apart from Club Marriott Membership.

Same billing date. All points transferred 1:1. DCB disabled. GVP transferred to Infinia with same renewal date as before.

Interestingly this card also has college name embossed like DCB.
Click to expand...
You're paying fees for college-name embossed card? If they're embossing anything, it should be free, shouldn't it?
 
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