HDFC Infinia approval help

[techstrom007]

I already has Imperia Account and sufficient TRV with the bank.

Over 40L Cash
20L+ FD
Running car loan with bank ending 2025
Tata Neu Infinity with 15L Credit Limit
3.4 L net salary credit post tax.

Still my RM is playing approval games from over 3 weeks and giving lame reasons whenever i ask for the status.

Already submitted salary slips & ITR.

First she reverted that approval is rejected without doing anything and when i say i'm moving my assets to other bank she said she will try again. And now its over 3 weeks and no updates.

Should i fight more to get the card or see for the other available options in market .


Usage : I have done 5 international trips in last 12 months but use different credit cards. Usage is mostly flights , hotels and international which i do on neo global.

Normal usage is around 50k a month.

 

[sparkit]

I already has Imperia Account and sufficient TRV with the bank.

Over 40L Cash
20L+ FD
Running car loan with bank ending 2025
Tata Neu Infinity with 15L Credit Limit
3.4 L net salary credit post tax.

Still my RM is playing approval games from over 3 weeks and giving lame reasons whenever i ask for the status.

Already submitted salary slips & ITR.

First she reverted that approval is rejected without doing anything and when i say i'm moving my assets to other bank she said she will try again. And now its over 3 weeks and no updates.

Should i fight more to get the card or see for the other available options in market .


Usage : I have done 5 international trips in last 12 months but use different credit cards. Usage is mostly flights , hotels and international which i do on neo global.

Normal usage is around 50k a month.

Try to get a core card first and then mail to grievance team for upgrade. If you have more than 8 lakhs limit and 7.5L spends in previous 6 months, it’s much easier.

 

[sourpai]

If you already have HDFC account with enough money, then usually there is a problem in getting Infinia card. It is a known problem and not new with you. There are few RMs who can do wonders and get you a card, but such RMs are probably less than 5%

Take DCB Metal as it is little easier to get and spend 8-9L in 6 months on it. Once you do this, you will easily get Infinia. You can spend 8-9L on Neu Infinity too but I won't recommend since reward rates are not great

 

[GGGGGG]

Try to get a core card first and then mail to grievance team for upgrade. If you have more than 8 lakhs limit and 7.5L spends in previous 6 months, it’s much easier.

I was also told by RM that Infina/DCB can't be applied directly if you have only co-branded HDFC CC. He suggested to close co-branded card and apply again afresh for DCB or request for Infinia. Suggested that spend in last 6 month is key criteira for upgrade.

 

[techstrom007]

If you already have HDFC account with enough money, then usually there is a problem in getting Infinia card. It is a known problem and not new with you. There are few RMs who can do wonders and get you a card, but such RMs are probably less than 5%

Take DCB Metal as it is little easier to get and spend 8-9L in 6 months on it. Once you do this, you will easily get Infinia. You can spend 8-9L on Neu Infinity too but I won't recommend since reward rates are not great

That's something interesting. I wonder why they have such issues. With more cash in account they are earning more than the credit card itself.

Any chance of getting imperia directly if i esclate this to the persons in RM escaltion metrice. Or can i bluff them of shifting my assets ?

 

[techstrom007]

I was also told by RM that Infina/DCB can't be applied directly if you have only co-branded HDFC CC. He suggested to close co-branded card and apply again afresh for DCB or request for Infinia. Suggested that spend in last 6 month is key criteira for upgrade.

I have the HDFC moneyback with 15L limit previously which i rarely use.. and RM closed that asking it would help in getting infinia.

 

[Vasuki]

I already has Imperia Account and sufficient TRV with the bank.

Over 40L Cash
20L+ FD
Running car loan with bank ending 2025
Tata Neu Infinity with 15L Credit Limit
3.4 L net salary credit post tax.

Still my RM is playing approval games from over 3 weeks and giving lame reasons whenever i ask for the status.

Already submitted salary slips & ITR.

First she reverted that approval is rejected without doing anything and when i say i'm moving my assets to other bank she said she will try again. And now its over 3 weeks and no updates.

Should i fight more to get the card or see for the other available options in market .


Usage : I have done 5 international trips in last 12 months but use different credit cards. Usage is mostly flights , hotels and international which i do on neo global.

Normal usage is around 50k a month.

Try to get a core card first and then mail to grievance team for upgrade. If you have more than 8 lakhs limit and 7.5L spends in previous 6 months, it’s much easier.

To add
Ask hdfc. Grievance redressal to give you either millniea, regalia gold or DCB
Then after this
Spend 6 lakh or so in last 6 month & ask for upgrade to INFINIA.

You can ask for INFINIA directly to hdfc via email when they deny ask for conversation into other core card



You are two step behind getting INFINIA not one
Unless u get expection which happens lot more in banking than in chemistry class 11th book

 

[techstrom007]

Try to get a core card first and then mail to grievance team for upgrade. If you have more than 8 lakhs limit and 7.5L spends in previous 6 months, it’s much easier.

Closing the tata neu will lapse my current limits ? Or if i get a new card will my credit limit remains the same ?

 

[techstrom007]

To add
Ask hdfc. Grievance redressal to give you either millniea, regalia gold or DCB
Then after this
Spend 6 lakh or so in last 6 month & ask for upgrade to INFINIA.

You can ask for INFINIA directly to hdfc via email when they deny ask for conversation into other core card



You are two step behind getting INFINIA not one
Unless u get expection which happens lot more in banking than in chemistry class 11th book

I previosuly has money back with 15l limit which my rm closed .. mentioning it will help in approval.

 

[Vasuki]

I previosuly has money back with 15l limit which my rm closed .. mentioning it will help in approval.

mo****f**** tricked you to his I'll information

Core to core card upgrade happens it common sense
Unless he is upto something special

 

[Vasuki]

Closing the tata neu will lapse my current limits ? Or if i get a new card will my credit limit remains the same ?

Don't close card
Ur limit is good

 

[tachniki]

I was also told by RM that Infina/DCB can't be applied directly if you have only co-branded HDFC CC. He suggested to close co-branded card and apply again afresh for DCB or request for Infinia. Suggested that spend in last 6 month is key criteira for upgrade.

Incorrect. Can apply for Infinia / DCB If one meets salary or ITR criteria. With 3.4L, op should definitely get DCB without closing Neu Infinity.

 

[aniketkr.sharma]

I already has Imperia Account and sufficient TRV with the bank.

Over 40L Cash
20L+ FD
Running car loan with bank ending 2025
Tata Neu Infinity with 15L Credit Limit
3.4 L net salary credit post tax.

Still my RM is playing approval games from over 3 weeks and giving lame reasons whenever i ask for the status.

Already submitted salary slips & ITR.

First she reverted that approval is rejected without doing anything and when i say i'm moving my assets to other bank she said she will try again. And now its over 3 weeks and no updates.

Should i fight more to get the card or see for the other available options in market .


Usage : I have done 5 international trips in last 12 months but use different credit cards. Usage is mostly flights , hotels and international which i do on neo global.

Normal usage is around 50k a month.

Mail grievance and ask them to convert tata neu infinity to infinia, I also had a tata neu infinity last year and they converted it to millennia and then now upgraded to regalia gold, hence my limit on tata neu infinity was only 1.5 lakhs but in case of yours, I think they will go for minimum dcb.

Also mail to parag and shashi.

They will surely make it done as in my case i also mailed them separately.

 

[GGGGGG]

Incorrect. Can apply for Infinia / DCB If one meets salary or ITR criteria. With 3.4L, op should definitely get DCB without closing Neu Infinity.

I was meeting DCB metal criteria; after applying online, card got declined. RM had told that it would not go thorugh, then I had applied online. I had closed DCB 2 years ago because of devluation.

 

[tachniki]

Possible through RM. Got infinia with existing Tata Neu Infinity early this month.

I was meeting DCB metal criteria; after applying online, card got declined. RM had told that it would not go thorugh, then I had applied online. I had closed DCB 2 years ago because of devluation.

 

[knowbie]

I already has Imperia Account and sufficient TRV with the bank.

Over 40L Cash
20L+ FD
Running car loan with bank ending 2025
Tata Neu Infinity with 15L Credit Limit
3.4 L net salary credit post tax.

Still my RM is playing approval games from over 3 weeks and giving lame reasons whenever i ask for the status.

Already submitted salary slips & ITR.

First she reverted that approval is rejected without doing anything and when i say i'm moving my assets to other bank she said she will try again. And now its over 3 weeks and no updates.

Should i fight more to get the card or see for the other available options in market .


Usage : I have done 5 international trips in last 12 months but use different credit cards. Usage is mostly flights , hotels and international which i do on neo global.

Normal usage is around 50k a month.

Do you anticipate your monthly expenses to change if you get Infinia and how so that only Infinia is the only card that gets you what you are after - miles etc. ?

If not you should seriously consider alternates. Assuming you are willing to pay for a card. If not too do evaluate with 50K what is a suitable return you are seeking for rewards.

You are already a valued customer for the bank in terms of business and if this is what you get, you take all this to another bank and set the terms first and then start the relationship with them - needless to say you don't expect any change at other banks, but at least you are not treated the way you are being now.