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Infinia HDFC Infinia "requesting" 1.5 lakhs spend per month?
VicksJ
TF Select
I know people got the free upgrade in Jan 21 but that was for plastic card, he mentioned he got metal as ltf
Let the speculations start again 😜
Festive seaon special reminder !! 😉
they are remiding us that we hold their prestigious card and they are assuming that we must have forgotten about it duirng this festive season..!!
That's all , nothing else ..
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bing1309
TF Premier
I think once all devaluation happens, if you don't spend so much in your credit card we will charge 1% charge for just holding our prestigious card.
Sooner or later this will happen and elimination round starts.
Reason is: just because you have a premium card and don't spend what's the point of such high-end card. Hence to ensure the usage in just 1 card and stick to one bank and avoid other credit cards of other bank, if you want a credit card of there bank then you can use the lowend card or co branded. Banks will do there best. And they know high-end proper income cretria eligible owners just don't keep card in pocket and they use. Hence banks start locking customers down or pay every month charges as per terms.
Previously it was
First oldend days: just pay fees
Second as of now: use card to get benefits out of it.
Third future: just because you are keeping our card pay for it.
Sooner or later this will happen and elimination round starts.
Reason is: just because you have a premium card and don't spend what's the point of such high-end card. Hence to ensure the usage in just 1 card and stick to one bank and avoid other credit cards of other bank, if you want a credit card of there bank then you can use the lowend card or co branded. Banks will do there best. And they know high-end proper income cretria eligible owners just don't keep card in pocket and they use. Hence banks start locking customers down or pay every month charges as per terms.
Previously it was
First oldend days: just pay fees
Second as of now: use card to get benefits out of it.
Third future: just because you are keeping our card pay for it.
I received the email again as well. Here is my theory on this:
I have HDFC Biz Black as well. That card has a unique requirement where you get accelerated rewards ONLY if you spend 50k minimum in a statement cycle. Otherwise, all spends, even on the accelerated categories, just get the base 3.3% reward. I am afraid they will implement something similar with the Infinia. If you spend 1.5 lakhs in a month, you would get the 16.5% or 33% rewards. Otherwise, all spends would receive 3.3% only.
Another clue here is that I met a very senior manager from HDFC credit card department about a month back on a flight from Paris to Delhi. I was sitting between two pretty girls and the HDFC lady seemed a bit uptight and serious while the other girl was younger and more friendly. However, she fell asleep soon after a little chat and the HDFC lady was reading a finance book which I found interesting and I wondered if she was an economist. After we shared a few glasses of wine, she mellowed down and we started chatting and she was actually a very friendly and nice person. She even gave me her number and asked to contact her if I needed any assistance. Before people get excited, my wife was sitting in the row behind and was enjoying her own conversation and wine with a young professor! We talked a lot about HDFC and their credit cards. I mentioned the upcoming Infinia Reserve and she said it wasn't yet finalised and was "under development". Then I mentioned the emails we have received about spending 1.5 lakhs and she said this only meant that we would get "more rewards" if we did spend that amount in a month but refused to provide any further details. She only said that it wasn't compulsory. After getting Biz Black and seeing its requirements, and receiving this email again, it just occurred to me that she might have meant something like this.
I have HDFC Biz Black as well. That card has a unique requirement where you get accelerated rewards ONLY if you spend 50k minimum in a statement cycle. Otherwise, all spends, even on the accelerated categories, just get the base 3.3% reward. I am afraid they will implement something similar with the Infinia. If you spend 1.5 lakhs in a month, you would get the 16.5% or 33% rewards. Otherwise, all spends would receive 3.3% only.
Another clue here is that I met a very senior manager from HDFC credit card department about a month back on a flight from Paris to Delhi. I was sitting between two pretty girls and the HDFC lady seemed a bit uptight and serious while the other girl was younger and more friendly. However, she fell asleep soon after a little chat and the HDFC lady was reading a finance book which I found interesting and I wondered if she was an economist. After we shared a few glasses of wine, she mellowed down and we started chatting and she was actually a very friendly and nice person. She even gave me her number and asked to contact her if I needed any assistance. Before people get excited, my wife was sitting in the row behind and was enjoying her own conversation and wine with a young professor! We talked a lot about HDFC and their credit cards. I mentioned the upcoming Infinia Reserve and she said it wasn't yet finalised and was "under development". Then I mentioned the emails we have received about spending 1.5 lakhs and she said this only meant that we would get "more rewards" if we did spend that amount in a month but refused to provide any further details. She only said that it wasn't compulsory. After getting Biz Black and seeing its requirements, and receiving this email again, it just occurred to me that she might have meant something like this.
sunit123
TF Premier
On lighter note, It is sounding like a fairy tail.
1 Airline allotted seats in different rows to husband & wife
2. Your wife allowed you to sit between two pretty ladies
After few glasses of wine nothing more interesting to discuss than a infinia credit card....I was expecting fairy tail ending i.e. after landing in delhi, you both (pretty lady) went together from airport.
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My man gave all the unnecessary information in a paragraph and the necessary one in just 2 lines 😂😂
Centurion_wala
TF Premier
At this point, I feel all the Infinia low spenders are at HDFC’s mercy because there’s literally nothing stopping them from sending a message like:
As per our latest credit assessment, we have reduced your credit limit from XX to XX and changed your Infinia card to Regalia/Millennia which will be more suitable to your spending patterns.
I know this is far fetched but it’s worth giving a thought.
As per our latest credit assessment, we have reduced your credit limit from XX to XX and changed your Infinia card to Regalia/Millennia which will be more suitable to your spending patterns.
I know this is far fetched but it’s worth giving a thought.
What else was there to discuss? I wasn't trying to pick her up. We talked about her trip. She had gone for a work conference. She talked about her husband and daughter and where she lived in Gurgaon. I am not going to write every single detail and bore everyone here. The main discussion was about her work and thus the issue of Infinia came up.
In this particular case, my wife insisted that I book the very first row (where people with babies often sit) as it has extra leg room and I am really tall. Only one seat was available and then there was one in the row behind and we chose that for her. Why would she not "allow" me to sit with two women? I don't control who sits there. She sat with two men as well. So what? We aren't backward like that. I have several female friends and hang out with them from time to time and she has some male friends as well from college and work days. I have gone out for the day for a drive with a female friend along with lunch a few times and she hasn't objected. You have to have some trust in a relationship.
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Not at all farfetched. I hope they keep a reasonable threshold like 5 lakhs per year or 8 lakhs at max and not insist on this 1.5 lakhs minimum per month.
That's nice, to have soo much trust in a relationship
My gf of 3 yrs bites my head off for talking to friends who are girls 🙃
They want retail spends, not vouchers. Shopping, restaurants, airlines etc. Jewelry, where they can charge MDR but not provide any rewards.
HumorSimpson
TF Prestige
Thank god, as a doctor 😷 you have enough tetanus 💉
I’m pushing my BM for infinia he has already agreed for paid version I’m trying to get LTF but 1.5L spend criteria is imposed then all my efforts will go in vain as I don’t have very high spends. This thread is making me worried.
Dazzwilliams
TF Premier
Are you fulfilling the income criteria? Which city?
