Guide me to Infinia HDFC

[Kukku]

Hi everyone
I need advice on my credit card journey and how to progress toward the Infinia card. Here’s my current situation:

- **Current Card:** Upgraded to **LTF Regalia Gold** in Feb 2025 (previously held Millennia).
- **Credit Limit:** ₹3.6L (last increased **1 year ago**).
- **Challenge:** I don’t have salary slips or ITR to submit for limit enhancement.
- **Active EMI:** ₹50K/month. Could this impact my chances of a limit increase?

I’m a **slow spender**, so reaching the typical spend-based criteria is tough. But I’m determined to eventually qualify for **Infinia**.

**Questions:**
1. How long should I wait before requesting a limit increase?
2. Are there alternative ways to boost my limit (e.g., banking relationships, fixed deposits)?
3. Could my EMI affect my eligibility?

I know it’s an uphill battle, but any strategic tips would mean a lot! Thanks in advance.

 

[aniketkr.sharma]

Hi everyone
I need advice on my credit card journey and how to progress toward the Infinia card. Here’s my current situation:

- **Current Card:** Upgraded to **LTF Regalia Gold** in Feb 2025 (previously held Millennia).
- **Credit Limit:** ₹3.6L (last increased **1 year ago**).
- **Challenge:** I don’t have salary slips or ITR to submit for limit enhancement.
- **Active EMI:** ₹50K/month. Could this impact my chances of a limit increase?

I’m a **slow spender**, so reaching the typical spend-based criteria is tough. But I’m determined to eventually qualify for **Infinia**.

**Questions:**
1. How long should I wait before requesting a limit increase?
2. Are there alternative ways to boost my limit (e.g., banking relationships, fixed deposits)?
3. Could my EMI affect my eligibility?

I know it’s an uphill battle, but any strategic tips would mean a lot! Thanks in advance.

1. 6 months
2. Fixed Deposit, but i doubt they will grant infinia on low deposits.
3. It's too huge EMI, Please close asap

 

[Kukku]

Is there any problem with EMI.?

 

[Kukku]

Sorry not 50k per month total 50 k

 

[aniketkr.sharma]

Sorry not 50k per month total 50 k

Complete it asap

 

[NABNAB is verified member.]

My RM told me that the criteria for Infinia are very strict nowadays. Even with 1 Cr FD, they can't get the approval for the Infinia 😬😝🤪

 

[Kukku]

My RM told me that the criteria for Infinia are very strict nowadays. Even with 1 Cr FD, they can't get the approval for the Infinia 😬😝🤪

I can wait... If they launch a superior card infinia may be easy to get.

 

[vishald]

I have never sent mail for limit enhancement. Maybe I should also try that that. I have regalia gold which I converted from regular regalia though I don't use it much.

 

[knowbie]

What are you goals after you acquire Infinia?

 

[Kukku]

What are you goals after you acquire Infinia?

I just want that card.. it was my dream from the beginning.

 

[aniketkr.sharma]

What are you goals after you acquire Infinia?

#METAL #Showoff #flaunting etc. with base reward rate of 3.3% & Accelerated reward of 33%

 

[Avatar Aang]

Hi everyone
I need advice on my credit card journey and how to progress toward the Infinia card. Here’s my current situation:

- **Current Card:** Upgraded to **LTF Regalia Gold** in Feb 2025 (previously held Millennia).
- **Credit Limit:** ₹3.6L (last increased **1 year ago**).
- **Challenge:** I don’t have salary slips or ITR to submit for limit enhancement.
- **Active EMI:** ₹50K/month. Could this impact my chances of a limit increase?

I’m a **slow spender**, so reaching the typical spend-based criteria is tough. But I’m determined to eventually qualify for **Infinia**.

**Questions:**
1. How long should I wait before requesting a limit increase?
2. Are there alternative ways to boost my limit (e.g., banking relationships, fixed deposits)?
3. Could my EMI affect my eligibility?

I know it’s an uphill battle, but any strategic tips would mean a lot! Thanks in advance.

Try to keep 6-7L in HDFC savings account. This might help you get automatic credit limit enhancement offer.
But important thing is it's not the credit limit but the spend matter for the bank. Many people have got Infinia with CL<6L.

 

[aniketkr.sharma]

Try to keep 6-7L in HDFC savings account. This might help you get automatic credit limit enhancement offer.
But important thing is it's not the credit limit but the spend matter for the bank. Many people have got Infinia with CL<6L.

I had kept for 6 month with 10L savings balance, & spending on card was more than 1L per months still no LE

 

[Kukku]

Now I have bought 82000 worth phones in EMI on my card not ans my other expenses around 20000 spend in this month..last limit enhancement was on April 2024 only for Rs.60000. is there any way to get some LE.?

 

[Virtual King]

Are there alternative ways to boost my limit (e.g., banking relationships, fixed deposits)?

Infinia Based on FD (as in 1st week of Feb 25, based on actual discussions with RM/BM/CH in a Tier 2 City)
* No Infinia being offered on 50L FD.
* One can get a DCB on a 50L FD. However, minimum 3 months' Imperia account is required.
* Infinia on a 1cr FD is a Yes - but minimum after 6 months of opening the FD + Imperia account.
* Infinia on a 2cr FD is a Yes - immediately - within a month of FD + Imperia account.

Hope this helps. 🙂

 

[Virtual King]

How long should I wait before requesting a limit increase?

Personal Experience.
* Infinia initially activated with Credit Limit (CL) of Rs 8L in May 24.
* In Dec 24, automatic Limit Enhancement (LE) offer by HDFC in MyCards App.
* Clicked on it. CL enhanced to Rs15L within a few minutes. Reflected in MyCards App also.
* Total spends on Infinia (May - Dec 24) - approx. Rs 8.24L.
* Total credit cards in Dec 24 - two (Infinia and SBI BPCL Octane - CL of Rs 15L + Rs 2.3L respectively = Rs 10.3L)
* Credit Utilisation Ratios (CURs)- On Infinia approx. 5-20% in this period; on Octane - approx. 5% in this period.
* CIBIL score (checked in Jan 25 after applying for Amex Plat Travel and Amex hard enquiry) - 770
* No other active home/car/personal/etc loan.

Hope this helps. 🙂

 

[Virtual King]

I need advice on my credit card journey and how to progress toward the Infinia card.

As of 01 Feb 25, the criteria for Infinia is as per the attachment.

All the best for your journey.... long and arduous... but hopefully you will achieve your dream someday...!

Good luck...! 👍🙂