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Infinia HDFC Infinia Request Rejected even after Fulfilling 'Spend + Limit' Criteria [Update: Approved]

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harsh864 said:
I also asked for upgrade to infinia & now they are asking for ITR and computation . My itr is 5-6lakhs only and i am fearing they might reduce existing 20L limit instead of giving infinia😂😂
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same is my case. My limit is 3.5L My other credit card highest limit is about 5.5L. I do have amex charge card aswell with undefined limit.

Damn, I am jealous, you might wanna put in infinia request asap and make sure u do it via credit limit + spends. How mch is your spends in last 6 months?

If I had limit like yours, I would fckn' do the spend right away or I might do it like in feb/march 5-6 L and in april (as new income tax finnacial year and put 5L more on it, total will still remain less than 10L so bank won't report to IT lol.
 
Sobirvs said:
same is my case. My limit is 3.5L My other credit card highest limit is about 5.5L. I do have amex charge card aswell with undefined limit.

Damn, I am jealous, you might wanna put in infinia request asap and make sure u do it via credit limit + spends. How mch is your spends in last 6 months?

If I had limit like yours, I would fckn' do the spend right away or I might do it like in feb/march 5-6 L and in april (as new income tax finnacial year and put 5L more on it, total will still remain less than 10L so bank won't report to IT lol.
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with 5-6L ITR how would you repay the 10L spent ?
 
Sobirvs said:
had limit like yours, I would fckn' do the spend right away or I might do it like in feb/march 5-6 L and in april (as new income tax finnacial year and put 5L more on it, total will still remain less than 10L so bank won't report to IT lol.
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Should I do spends on Millenia, the main card .?

I am already doing the exact thing on my floater card, bizblack. Would they upgrade millenia on basis of floater spends.?
 
harsh864 said:
Should I do spends on Millenia, the main card .?

I am already doing the exact thing on my floater card, bizblack. Would they upgrade millenia on basis of floater spends.?
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idk what is floater card, if you mean "shared limit" card, then ya, you can, but when you put in request for upgrade, I don't think they consider spends on both mil and bizblack. They will consider only on one card. You can put all the spends in either mil or bizblack as both cards are hdfc's core cards.

Also no one has tried this yet hence i said do it on one card. Let's say you have done 9L total spends but they are not in one card but both cards total (for example 4L in mil and 5L in bizblack) then also I would say try it and ask red g add email team and ask for upgrade req. and say I used 2 cards both from hdfc for reaching spends criteria. There is a possibility they might consider it but if you upgrade, they will probably tell you one card will be upgraded and other card will be closed as hdfc won't let you keep biz black and mil both and give you infinia.

They might let u keep mil card and give u infinia on bizblack but 100% sure they won't let u keep both infinia and bizblack as both are super premium cards afaik.
 
aryanexpedition said:
Nope, FYF.

That's what I thought. Will probably write to them about it but this might backfire and they may rescind the upgrade offer which is verbal at the moment (as confirmed by my RBH).
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Update: I wrote a strongly worded email on the same mail trail to PNO two days ago. Also attached the "Application for Credit Card Upgrade / Limit Enhancement Form" and the screenshot from the same as below:
1739947077071.webp
Seems this final email worked. I could see the new Infinia Metal card, without any reward points with status - "Transfer in today" in HDFC Netbanking and HDFC Cards app last night(within one day of escalation) but the DCB was still showing with my reward points with status "Transfer out today".
I checked again today(2 days after the final escalation), and can see all my DCB points transferred to the new Infinia Metal Card! No 50% conversion. Outstanding amount and the Jumbo loan on DCB have both been transferred to the new Infinia Metal card too. Now waiting to receive the physical card soon.
Thanks everyone 🙂
 
So, I have 3 HDFC cards -
1) DCB LTF
2) Bonvoy
3) Tata New Infinity

All 3 have a shared limit of 9.7L. During last 6 months I have 10L+ spends on both DCB and Bonvoy card individually and around 7L on Tata Neu. Now I want to keep hold of DCB card because of Monthly milestones and also once you let go of LTF - it'll be really a task fighting for them again in future, esspecially on premium cards like DCB.

Do you think upgrade from Bonvoy/Tata Neu to Infinia is possible through PNO channel or Do i really need to let go of DCB LTF for this to happen?
 
aj204~ said:
So, I have 3 HDFC cards -
1) DCB LTF
2) Bonvoy
3) Tata New Infinity

All 3 have a shared limit of 9.7L. During last 6 months I have 10L+ spends on both DCB and Bonvoy card individually and around 7L on Tata Neu. Now I want to keep hold of DCB card because of Monthly milestones and also once you let go of LTF - it'll be really a task fighting for them again in future, esspecially on premium cards like DCB.

Do you think upgrade from Bonvoy/Tata Neu to Infinia is possible through PNO channel or Do i really need to let go of DCB LTF for this to happen?
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Tata Neu can be upgraded worth trying.
 
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