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HDFC Infinia upgrade

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Player456

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Hi Friends,

I currently have Regalia Gold credit card and I want to get upgraded to Infinia Credit card.

1. I have credit limit of 12.3 lakhs in my Regalia Gold credit card.
2. I have spent more than 8 lakhs in last 6 months
3. I have greater than 3 lakhs Net salary credited in HDFC salary account.

Will I be eligible for Infinia Credit card upgrade? Talked to RM regarding this but he said I am not eligible.
 
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Player456 said:
Hi Friends,

I currently have Regalia Gold credit card and I want to get upgraded to Infinia Credit card.

1. I have credit limit of 12.3 lakhs in my Regalia Gold credit card.
2. I have spent more than 8 lakhs in last 6 months
3. I have greater than 3 lakhs Net salary credited in HDFC salary account.

Will I be eligible for Infinia Credit card upgrade? Talked to RM regarding this but he said I am not eligible.
Click to expand...
mail and see if no one does then try mailing pno for the same.... if u want u can even try mailing the pno directly and see ... RM are useless af directly drop mail ur work will be done
 
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Player456 said:
Hi Friends,

I currently have Regalia Gold credit card and I want to get upgraded to Infinia Credit card.

1. I have credit limit of 12.3 lakhs in my Regalia Gold credit card.
2. I have spent more than 8 lakhs in last 6 months
3. I have greater than 3 lakhs Net salary credited in HDFC salary account.

Will I be eligible for Infinia Credit card upgrade? Talked to RM regarding this but he said I am not eligible.
Click to expand...
Do not mention about your salary while asking for upgrade. Just mention Limit and spends. Otherwise they might reject you saying salary not eligible.
 
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vishp said:
Do not mention about your salary while asking for upgrade. Just mention Limit and spends. Otherwise they might reject you saying salary not eligible.
Click to expand...
Aah shit. I mentioned about salary as well. 🤦‍♂️
Is there still hope? Or I will have to send the email again after few days?
 
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Player456 said:
Aah shit. I mentioned about salary as well. 🤦‍♂️
Is there still hope? Or I will have to send the email again after few days?
Click to expand...
Wait for their reply. If they deny upgrade, then mail to PNO mentioning your relationship with HDFC, the limit and last 6 month spends on your card, and request for upgrade. 'DO NOT MENTION SALARY'.
 
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Got an email just now that a case has been registered and resolution will be provided by 21-01-2025.
Do they take this much time to provide resolution? or this is just the max date and usually they respond back early?
 
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Before mailing to grievance email id I also mailed customer support for this who replied with attached email 😟. I was just impatient. Don't know if this has relevance since a separate ticket Id got generated for the grievance email id.
1000044990.webp
 
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vishp said:
@Player456 Another issue in your case is spend should be >9L and yours is <9L, so they should agree based on your relationship.
Click to expand...
Yeah I got to know this from branch. I spoke to my friend's RM she mentioned it should be actually > 8.

If by any chance this gets rejected maybe I can swipe some more than re-try. Hope reapplying again should be ok.
 
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Player456 said:
Yeah I got to know this from branch. I spoke to my friend's RM she mentioned it should be actually > 8.

If by any chance this gets rejected maybe I can swipe some more than re-try. Hope reapplying again should be ok.
Click to expand...
I believe they consider the generated bill spend. If you wait for next bill, then the earliest first bill will be skipped as they only consider latest 6 bills. So plan accordingly.
 
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vishp said:
I believe they consider the generated bill spend. If you wait for next bill, then the earliest first bill will be skipped as they only consider latest 6 bills. So plan accordingly.
Click to expand...
If they consider bill spend then the major expense (~5 Lakhs) I have done in December whose bill is yet to be generated on 18th Jan and I was thinking they will consider that as well.
It seems my current request will get rejected then. Thanks for all these details. Really appreciate it.

One more query, Will it be a good idea to apply again immediately after my bill is generated? This time I will make sure to cross 9 lakhs in last 6 bills.
 
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Player456 said:
If they consider bill spend then the major expense (~5 Lakhs) I have done in December whose bill is yet to be generated on 18th Jan and I was thinking they will consider that as well.
It seems my current request will get rejected then. Thanks for all these details. Really appreciate it.

One more query, Will it be a good idea to apply again immediately after my bill is generated? This time I will make sure to cross 9 lakhs in last 6 bills.
Click to expand...
Wait for 3 Days after bill generation. Pay the bill by then. Mail to PriorityRedressal.CreditCards@hdfcbank.co on 21 Jan
 
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