Got Infinia In First Try :)

[swipesmart]

Hi,
I got Infinia based on my salary eligibility. I went to branch and submitted all the documents. After 1 week I got message for Approval, first stage approval was Online check and after that I think it's manual check for which I got message after 2-3 Working days.

After card approval message, one of HDFC Agent called and was trying to sell Insurance along with Infinia. I'm not sure it was something that they started now or was it before also. They were saying it's mandatory to take it. For which I said it was not informed to me at the time of taking the card and hence you can cancel the card on that they said it's fine they will cancel the medical card and I will not have to pay for it.

QQ: Was it right decision to cancel the medical card ?

 

[helloworld]

whats medical card?

 

[m4b]

salary eligibility criteria?

 

[elite34700]

Hi,
I got Infinia based on my salary eligibility. I went to branch and submitted all the documents. After 1 week I got message for Approval, first stage approval was Online check and after that I think it's manual check for which I got message after 2-3 Working days.

After card approval message, one of HDFC Agent called and was trying to sell Insurance along with Infinia. I'm not sure it was something that they started now or was it before also. They were saying it's mandatory to take it. For which I said it was not informed to me at the time of taking the card and hence you can cancel the card on that they said it's fine they will cancel the medical card and I will not have to pay for it.

QQ: Was it right decision to cancel the medical card ?

Ofcourse, who in the right sense would buy insurance just because they processed infinia for you .

 

[swipesmart]

salary eligibility criteria?

Monthly 3L+. I don't have salary account with HDFC.

 

[HumorSimpson]

Which branch did you go ?

 

[CCsearcher]

Hi,
I got Infinia based on my salary eligibility. I went to branch and submitted all the documents. After 1 week I got message for Approval, first stage approval was Online check and after that I think it's manual check for which I got message after 2-3 Working days.

After card approval message, one of HDFC Agent called and was trying to sell Insurance along with Infinia. I'm not sure it was something that they started now or was it before also. They were saying it's mandatory to take it. For which I said it was not informed to me at the time of taking the card and hence you can cancel the card on that they said it's fine they will cancel the medical card and I will not have to pay for it.

QQ: Was it right decision to cancel the medical card ?

Congratulations. Did you own any other HDFC cards earlier or have a savings account with HDFC?

 

[navdeep22]

Monthly 3L+. I don't have salary account with HDFC.

Gross not net?

 

[m4b]

Monthly 3L+. I don't have salary account with HDFC.

Earlier for me they said 3.5L+ post-tax

 

[swipesmart]

Gross not net?

Earlier for me they said 3.5L+ post-tax

It's 3L+ take home salary. I don't have 3.5L+ so can say 3+ is enough.

 

[swipesmart]

Congratulations. Did you own any other HDFC cards earlier or have a savings account with HDFC?

I have saving bank account with them. But I'm not using it. Will get it close soon just have to confirm that closing account doesn't impact Infinia.

I had Regalia but got it closed before applying for Infinia.

 

[swipesmart]

Which branch did you go ?

I think you can go to any branch. I went to branch for submitting documents only.

 

[CCsearcher]

I have saving bank account with them. But I'm not using it. Will get it close soon just have to confirm that closing account doesn't impact Infinia.

I had Regalia but got it closed before applying for Infinia.

Great to hear 🙂 Sounds like a no-nonsense procedure. Enjoy the benefits.

 

[imdjay]

It's 3L+ take home salary. I don't have 3.5L+ so can say 3+ is enough.

Just to understand. How much CTC is giving 3L+ net?

 

[Tosh]

Should be upwards of 50 give or take

 

[SSV]

I don't have salary account with HDFC

This is key here..

 

[SSV]

Great to hear 🙂 Sounds like a no-nonsense procedure. Enjoy the benefits.

When you have about 45 to 50 L ITR, most of the things will be no nonsense

 

[SSV]

Which branch did you go ?

The key here is ,
1) very high itr like around 50L
2) no or very minimal existing relationship with the bank.., preferably NTB

These two will do the trick…

 

[HumorSimpson]

The key here is ,
1) very high itr like around 50L
2) no or very minimal existing relationship with the bank..

These two will do the trick…

Both meet for me still the lock didn't open.

 

[imdjay]

Should be upwards of 50 give or take

Nope. it doesn't work like that.