HDFC Infinia upgrade

[Player456]

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.

 

[Indrajeet100]

Diners LTF is better if they provide but they won't I know.

Got the mail with new date. But for the last case I am suprised they just closed the case without any email for explanation. They are not considering the spend and limit but rather asking for salary slips.
Let's see what they do with this new case created. If still getting rejected I will mail pno after billing comes this month.

Case closure is not rejection. That is merely they closed one process and started another. Only if they say on mail they are not able to consider, it is rejection. Your case is under active consideration and they will come back after reviewing documents. It not necessary if they asked income documents they go by that only. They will consider all things and you will get a response. My experience from last 2 upgrades from Millennia to RG to Diners Metal. For rejection they don't really ask documents. If it is taking time to process, it is generally positive sign. Rejection is usually swift.

 

[sanket1549]

Case closure is not rejection. That is merely they closed one process and started another. Only if they say on mail they are not able to consider, it is rejection. Your case is under active consideration and they will come back after reviewing documents. It not necessary if they asked income documents they go by that only. They will consider all things and you will get a response. My experience from last 2 upgrades from Millennia to RG to Diners Metal. For rejection they don't really ask documents. If it is taking time to process, it is generally positive sign. Rejection is usually swift.

Above is not always true. They too my documents and then no reply for 2 days. I asked them on 3rd day and then got rejection

 

[aniketkr.sharma]

Above is not always true. They too my documents and then no reply for 2 days. I asked them on 3rd day and then got rejection

Yeah it totally depends on there so called "internal criteria"

 

[sanarora]

there is no question of salary slips or itr , I had spends of 9L in last 6 months and current limit of 13.7L on my regalia just called my rm filled a form which he sent to Chennai 7 days later Infinia was delivered home , no email email timepass with these people.

 

[Player456]

there is no question of salary slips or itr , I had spends of 9L in last 6 months and current limit of 13.7L on my regalia just called my rm filled a form which he sent to Chennai 7 days later Infinia was delivered home , no email email timepass with these people.

Was it all your billed spends? Or there was any unbilled spends also for 9 lakhs?
Also did you submit the form to any branch or posted it your self to Chennai office?

 

[sanarora]

Was it all your billed spends? Or there was any unbilled spends also for 9 lakhs?
Also did you submit the form to any branch or posted it your self to Chennai office?

it was not billed as billing date was on 13th jan, 5 lakhs was billed over last couple months,, rest was unbilled, i was in hurry to get infinia since i had another 3L of expenses which i wanted to do on infinia to qaive off its first year fees. so i prepaid 4L of my current unbilled spends & RM sent form home I just signed it He collected it last saturday on 4th jan, 11th jan infinia metal was delivered via bluedart.. before 13th jan my bill date..!
in 1 weeks ill finish my 3 lakhs spend to waive my first year fees also which was anyways a payment which i requested to delay & was pending.

 

[vishp]

it was not billed as billing date was on 13th jan, 5 lakhs was billed over last couple months,, rest was unbilled, i was in hurry to get infinia since i had another 3L of expenses which i wanted to do on infinia to qaive off its first year fees. so i prepaid 4L of my current unbilled spends & RM sent form home I just signed it He collected it last saturday on 4th jan, 11th jan infinia metal was delivered via bluedart.. before 13th jan my bill date..!
in 1 weeks ill finish my 3 lakhs spend to waive my first year fees also which was anyways a payment which i requested to delay & was pending.

First Year is always Free when you upgrade from an existing card.

 

[Player456]

it was not billed as billing date was on 13th jan, 5 lakhs was billed over last couple months,, rest was unbilled, i was in hurry to get infinia since i had another 3L of expenses which i wanted to do on infinia to qaive off its first year fees. so i prepaid 4L of my current unbilled spends & RM sent form home I just signed it He collected it last saturday on 4th jan, 11th jan infinia metal was delivered via bluedart.. before 13th jan my bill date..!
in 1 weeks ill finish my 3 lakhs spend to waive my first year fees also which was anyways a payment which i requested to delay & was pending.

Inspired by you I spoked with one near by branch credit card person and she said I can qualify for Infinia card upgrade based on my spends and card limit. She suggested I should fill the upgrade form and she will send it to Chennai office. I did the same today.
By now I have spent more than 9 lakhs in last 6 months with 12.3 lakhs credit limit. Though my bill is due to be generated on 18th Jan.
Let's see what happens.

 

[sanarora]

First Year is always Free when you upgrade from an existing card.

are u sure ..? i anyways have spends lined up so will just swipe the card to avoid controversy, but yeah for general knowledge id like to know, as i was told fresh card is offered first year free but upgrade is chargable..

 

[sanarora]

Inspired by you I spoked with one near by branch credit card person and she said I can qualify for Infinia card upgrade based on my spends and card limit. She suggested I should fill the upgrade form and she will send it to Chennai office. I did the same today.
By now I have spent more than 9 lakhs in last 6 months with 12.3 lakhs credit limit. Though my bill is due to be generated on 18th Jan.
Let's see what happens.

100% will go through there is no grey zone in this.. best of luck..!

 

[vishp]

are u sure ..? i anyways have spends lined up so will just swipe the card to avoid controversy, but yeah for general knowledge id like to know, as i was told fresh card is offered first year free but upgrade is chargable..

I am sure. Its even written in their upgrade form. you can confirm with cc on mail if you want.