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HDFC Infinia/DCB Metal Year End offer

Today, HDFC Bank Team from Vikhroli office got in touch with me saying that on account of Year end, they can get me approvals for HDFC Diners Club Black Metal if I purchase insurance with minimum premium of Rs. 2 lacs p.a. or buy a annual ULIP of Rs. 2 lacs.

They said they can bridge the shortfall spends by Rs. 2-3 lacs and income criteria by Rs. 5 lacs p.a.

So for DCB Metal and Infinia, they can get approval if you spent only 6-7 lacs in the last one year.

For DCB criteria of net income of Rs. 25 lacs and for infinia net income of Rs. 50 lacs.

What is opinion of all over this?
 
Today, HDFC Bank Team from Vikhroli office got in touch with me saying that on account of Year end, they can get me approvals for HDFC Diners Club Black Metal if I purchase insurance with minimum premium of Rs. 2 lacs p.a. or buy a annual ULIP of Rs. 2 lacs.

They said they can bridge the shortfall spends by Rs. 2-3 lacs and income criteria by Rs. 5 lacs p.a.

So for DCB Metal and Infinia, they can get approval if you spent only 6-7 lacs in the last one year.

For DCB criteria of net income of Rs. 25 lacs and for infinia net income of Rs. 50 lacs.

What is opinion of all over this?
It is year end offer for themselves for their incentives on selling insurance/ULIP😁
 
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