Help Me Upgrade to HDFC Infinia Credit Card

[finlearner]

Hello Technofino community,

I’m looking for some guidance on how I can upgrade to the HDFC Infinia Credit Card. Recently, I saw a post on r/creditcardsindia where someone mentioned receiving the Infinia card after having a ₹10 lakh FD with HDFC Bank. This prompted me to evaluate my own eligibility. Below is my profile:

• Banking Relationship: I have an Imperia Savings account with HDFC, active for 5 years.
• Credit Card History: I’ve held the Regalia Gold Credit Card (amongst other Regalia credit cards with the latest being Regalia gold for nearly 1.5 years) for over 5 years with no missed payments or defaults.
• Assets with HDFC: I have a Fixed Deposit of at least ₹10 lakhs, maintained since 2020 with HDFC.
• CIBIL Score: 818
• Spending: I regularly make high-value transactions on my Regalia Gold card and settle dues promptly.

After seeing the post on r/creditcardsindia, I realized that if someone with a ₹10 lakh FD got the Infinia card, it seems logical that I should be eligible as well, especially since I’ve maintained this FD consistently since 2020.

Despite this, when I contacted my Relationship Manager, they were not very enthusiastic about helping me get an upgrade.

Questions:

1. Do you think my profile, especially with the ₹10 lakh FD and long banking relationship, qualifies for the Infinia card?
2. How should I approach my RM to escalate this or get more support?
3. Are there any additional details or insights into the current eligibility criteria for the Infinia card that I should be aware of?

I would appreciate any advice or suggestions, especially from those who have successfully obtained an Infinia card or faced similar issues.

Thank you so much!

 

[Anupama_Jha]

Request you to check this and existing similar threads.

Infinia Thread 'Infinia Request Rejected even after fulfilling 'Spend+Limit' Criteria[Update: Approved]'

Jan 3, 2025

As many of you know, I was planning to send for Infinia Upgrade request in Jan 1st week. I sent it on January 1st to Priority Redressal and ydy late night, received the rejection mail from grievance redressal with same vague reasons of internal parameters. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.

I have written a very strong reply to them mentioning the below points:
- Asked the reason of rejection, since Official criteria has been confirmed by HDFC officials, and only then I spent the required amount... attached their 3 upgrade conditions screenshot.
- Many...

• vishp
• infinia upgrade to infinia
• Replies: 201
• Forum: Super Premium Credit Cards

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• 
• 

 

[n69b]

Stop using chatgpt ffs 😂

 

[finlearner]

Stop using chatgpt ffs 😂

Convenient to organize and edit your points.

 

[finlearner]

Request you to check this and existing similar threads.

Infinia Thread 'Infinia Request Rejected even after fulfilling 'Spend+Limit' Criteria[Update: Approved]'

Jan 3, 2025

As many of you know, I was planning to send for Infinia Upgrade request in Jan 1st week. I sent it on January 1st to Priority Redressal and ydy late night, received the rejection mail from grievance redressal with same vague reasons of internal parameters. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.

I have written a very strong reply to them mentioning the below points:
- Asked the reason of rejection, since Official criteria has been confirmed by HDFC officials, and only then I spent the required amount... attached their 3 upgrade conditions screenshot.
- Many...

• vishp
• infinia upgrade to infinia
• Replies: 201
• Forum: Super Premium Credit Cards

• 
• 
• 

Thanks for sharing that with me. The thing is there is so many threads regarding Infinia with so many conflicting points, so I thought I will present my circumstances and get this forum's opinion on it.

 

[sidp]

As you have already mentioned, there are many threads on this. You shouldve spent some time going through those.

And to answer your question fd based dcb/infinnia is on hold. Even it starts again , it would depend on circle head. E.g. my circle head didn't used to approve infinnia for less than 30L fd.