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 ?

 

[AllThatStuff]

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 ?

Is it paid (with Joining Fee) / FYF / LTF ??

 

[anirban.choudhuryanirban.choudhury is verified member.]

salary eligibility criteria?

2.75L net deposit per month

 

[m4b]

tf man baas 3.5L chor ke baki sabme mein eligible ho jata

 

[SSV]

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

2 nd condition was not met by you.. ig

 

[HumorSimpson]

2 nd condition was not met by you.. ig

Means ? I have a savings bank account which I hardly do any txns. Does having MoneyBack+ and Tata Nue means high relation ship with hdfc ?

 

[SSV]

Does having MoneyBack+ and Tata Nue means high relation ship with hdfc ?

Yes, this is the road block for you.

 

[MangoRush]

Congrats.
But honestly, with 3 lacs NETT, you wouldn't be needing this card 😉

 

[SSV]

Yes, this is a road block for you.

Means ? I have a savings bank account which I hardly do any txns. Does having MoneyBack+ and Tata Nue means high relation ship with hdfc ?

Technically you should not hold any CC.
That was OP's case here

 

[prashu]

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

3L per month 🙄. You are smuggling drugs or what ?

 

[SSV]

3L per month 🙄. You are smuggling drugs or what ?

Or working hard in a skilled job..
There are many people out there like this,
the thing is ,you don’t come across in your daily life !!

 

[CCsearcher]

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…

Technically you should not hold any CC.
That was OP's case here

I think OP had a Regalia which he closed. so kinda yes.

I just opened a SavingsMax with HDFC. Took Millenia & Swiggy LTF (last week), salary is between 2.6-3L nett. So I won't be eligible in future(say 6months-1 year) down the line 🙁

 

[imdjay]

I think OP had a Regalia which he closed. so kinda yes.

I just opened a SavingsMax with HDFC. Took Millenia & Swiggy LTF (last week), salary is between 2.6-3L nett. So I won't be eligible in future(say 6months-1 year) down the line 🙁

Cool down period doesnt matter if exceptional approval is there.

 

[CCsearcher]

Cool down period doesnt matter if exceptional approval is there.

CIBIL won't be happy. I just got greedy seeing the HDFC Swiggy LTF offer and ended up applying for Millenia(learnt that HDFC won't give a core card if one already has a co-branded one).

 

[imdjay]

CIBIL won't be happy. I just got greedy seeing the HDFC Swiggy LTF offer and ended up applying for Millenia(learnt that HDFC won't give a core card if one already has a co-branded one).

Again.. everything will work if you have exceptional approval. If your RM/BM can get that.
After getting card you can ask HDFC to remove cibil enquiries.

 

[CCsearcher]

Again.. everything will work if you have exceptional approval. If your RM/BM can get that.
After getting card you can ask HDFC to remove cibil enquiries.

It's tempting to give it a try 🙂

 

[swipesmart]

Congrats.
But honestly, with 3 lacs NETT, you wouldn't be needing this card 😉

Why not ? It would be foolish to spend and not get reward.

 

[swipesmart]

3L per month 🙄. You are smuggling drugs or what ?

I would have earned for more drugs 🥲

 

[swipesmart]

Is it paid (with Joining Fee) / FYF / LTF ??

It's paid. I am not aware if it's possible as LTF or FYF.

 

[SonyTom]

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 ?

First time hearing about medical card. Probably some medical insurance, the premium they were planning to put on your Infinia. So right decision.

What were the documents you submitted to branch along with application?

 

[swipesmart]

Cool down period doesnt matter if exceptional approval is there.

I'm not sure how I got approval for cooldown period because I wasn't aware if we even have to get such thing.