Acceptance is a major issue with Amex, which makes it hard to reach milestones as all the spends whenever Amex is not accepted would go to backup card. Infinia is on Visa with great acceptance and Diners is also pretty decent via Rupay/Discover
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Infinia [HDFC INFINIA] Shattered Dreams of Obtaining it!
- Thread starter mastfun
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- hdfc infinia infinia
sambitpatro
TF Premier
Does it change from FYF to LTF? I doubt
it generally does, but takes some time
Infinia Add-On is of the same card number. you cannot buy more vouchers using an add-on card.
So 10k capping per primary card holder on specific vouchers. This makes no sense.
HDFC is issuing Infinia addons with different card numbers for a while now
You get it with different card number and the otp comes on the add on holder's phone. This change has been there for quite some time.
Consultant woke up after a long slumber let him get up to speed
Update: Long post alert.
DCB to Infinia upgrade done and dusted 🙂🙂
Initially RM was supposed to take approval based on my 2.6 L salary credit, loan relation with HDFC (21L), last 8 months spend ~ 10.5 L, long 10 year relation with HDFC, Salary account with HDFC etc. + was upgraded to Imperia account few weeks back (Thanks to RM).
But I tried my luck by sending a mail to escalation cc with my use cases and eligibility to get Infinia and they replied to send supporting docs and a letter to their Chennai address.
I send the same letter along with my pay slips, loan account screenshots and last 6 months spend.
My DCB had only 6 L limit, but my spends were high.
On 2nd Sep I send the speed post and now am seeing the Infinia Metal card details in my CC section with 8 L limit. I hold a Tata Neu Infinity and I don't think its an issue. Not sure though.
I am pasting the letter that I send to them below this screenshot. Hope this helps at least few who are kind of on the same boat.
Hello,
I would like to upgrade my DCB to Infinia along with limit upgrade. Or If I can choose only one, I would like to opt for Infinia.
Below are my use cases/requirements/eligibility for limit and Infinia upgrade.
1) The total spend in my current card anniversary year is ~23 L (as per customer care, when I last checked) and in the past 8 months it's ~10.7 L. So, I have been a high spender and have paid my dues on time in the entire history of CC usage without any defaults.
2) I am an Imperia account holder with my salary credited to HDFC account.
3) I have been a long-term customer with HDFC and holding an account for nearly 9 years and have been using your credit cards for a few years now with high spends.
4) I am having an upcoming purchase of nearly 10 L and would need my limit to be enhanced to pay this expense.
5) An issue with DCB is its acceptability - I had a foreign trip to Azerbaijan in March 2024 and I even enrolled for the Global value program. I had enabled international transactions and yet the DCB card was not accepted in any of the places including Marriott properties or luxury malls in Azerbaijan.
I tried my luck in Qatar during transit and it was rejected there as well.
I have upcoming trips in Dec and Apr to Thailand and Japan and I plan to use my entire spends on HDFC CC for this purpose.
Infinia will be my best bet for this requirement.
6) I am holding a home loan with HDFC of 21 L and have not defaulted on it till date. I have shifted this from AXIS bank to HDFC considering my long term relation with HDFC.
7) I am drawing an In-hand Salary close to 2.6 L now and the total salary is 3.2 L with taxes.
I have switched to a new firm from Aug and still I am using HDFC as the salary account even though AXIS is the preferred bank for my new employer. HDFC has been by salary account for 9 years now.
Based on my spending over the past 6-8 months and the long-term relationship I am holding with HDFC and considering all the above factors I have mentioned for my upcoming spends, I request to upgrade my card to Infinia with an increased limit of 10 L or above.
DCB to Infinia upgrade done and dusted 🙂🙂
Initially RM was supposed to take approval based on my 2.6 L salary credit, loan relation with HDFC (21L), last 8 months spend ~ 10.5 L, long 10 year relation with HDFC, Salary account with HDFC etc. + was upgraded to Imperia account few weeks back (Thanks to RM).
But I tried my luck by sending a mail to escalation cc with my use cases and eligibility to get Infinia and they replied to send supporting docs and a letter to their Chennai address.
I send the same letter along with my pay slips, loan account screenshots and last 6 months spend.
My DCB had only 6 L limit, but my spends were high.
On 2nd Sep I send the speed post and now am seeing the Infinia Metal card details in my CC section with 8 L limit. I hold a Tata Neu Infinity and I don't think its an issue. Not sure though.
I am pasting the letter that I send to them below this screenshot. Hope this helps at least few who are kind of on the same boat.
Hello,
I would like to upgrade my DCB to Infinia along with limit upgrade. Or If I can choose only one, I would like to opt for Infinia.
Below are my use cases/requirements/eligibility for limit and Infinia upgrade.
1) The total spend in my current card anniversary year is ~23 L (as per customer care, when I last checked) and in the past 8 months it's ~10.7 L. So, I have been a high spender and have paid my dues on time in the entire history of CC usage without any defaults.
2) I am an Imperia account holder with my salary credited to HDFC account.
3) I have been a long-term customer with HDFC and holding an account for nearly 9 years and have been using your credit cards for a few years now with high spends.
4) I am having an upcoming purchase of nearly 10 L and would need my limit to be enhanced to pay this expense.
5) An issue with DCB is its acceptability - I had a foreign trip to Azerbaijan in March 2024 and I even enrolled for the Global value program. I had enabled international transactions and yet the DCB card was not accepted in any of the places including Marriott properties or luxury malls in Azerbaijan.
I tried my luck in Qatar during transit and it was rejected there as well.
I have upcoming trips in Dec and Apr to Thailand and Japan and I plan to use my entire spends on HDFC CC for this purpose.
Infinia will be my best bet for this requirement.
6) I am holding a home loan with HDFC of 21 L and have not defaulted on it till date. I have shifted this from AXIS bank to HDFC considering my long term relation with HDFC.
7) I am drawing an In-hand Salary close to 2.6 L now and the total salary is 3.2 L with taxes.
I have switched to a new firm from Aug and still I am using HDFC as the salary account even though AXIS is the preferred bank for my new employer. HDFC has been by salary account for 9 years now.
Based on my spending over the past 6-8 months and the long-term relationship I am holding with HDFC and considering all the above factors I have mentioned for my upcoming spends, I request to upgrade my card to Infinia with an increased limit of 10 L or above.
The way axis is moving, you will oneday come to the fold of Infinia....it seems so, as may be within few years, return on infinia will outsmart the return of m4b or any other newly (in future) launched premium card of axis
webgupta
TF Buzz
ive spent 10 lakhs on my cc this month, for a family international trip. have written to them and even sent the form today. lets see if they do upgrade the limit and card and bypass the BM insurance. If it happens directly well and good else will approach the BM then. But if things dont go as planned, is there a cool off period. ? 3/4/6m ?
He is uninformed moron
INFINIA first page says
It's invite/ upgrade only card
Who on earth got direct INFINIA bruh 🤣
I know 2 people who got it directly without any existing relation to HDFC, just based on >3L salary
Anyone who gets imperia is through upgrade
That's applies if you buy ulip.
So basically they apply for a base credit card and then take approval for imperia
If someone got it must be invite not applying
no no, even I was surprised
my friend switched company 2 years back and he got a huge package and net salary was >3L
he was more interested in DCB actually, as he missed taking it via alumni offer
when he contacted HDFC CC guy, he himself suggested that he should take INFINIA
he applied and I clearly remember he didn't have even salary account with HDFC back then
and it was approved, but he didn't get FYF, he had to pay joining fees
Noice @HumorSimpson apne HDFC credit limit me aag lga do 😃
Exactly what i meant. My RM filled same form.
Does this work differently? As in, upgrade means the age of credit etc does not change ? Just card limit and type changes ? How does this affect cibil ?
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