Ho to upgrade Infinia from existing 10L regalia?

[dhshankar]

I have regalia with 10L credit limit and when I request for infinia upgrade - then asked for 3.5 Lakhs monthly salary .

Since I am not earning what they requested , can anyone let me know how to get upgrade with existing credit limit of 10L

 

[jayks]

Fill and send the card upgrade form to Chennai. Tick Infinia and don't attach any other documents.

 

[ashwink]

Is it LTF 🤔

I have regalia with 10L credit limit and when I request for infinia upgrade - then asked for 3.5 Lakhs monthly salary .

Since I am not earning what they requested , can anyone let me know how to get upgrade with existing credit limit of 10L

 

[Souvik]

I have regalia with 10L credit limit and when I request for infinia upgrade - then asked for 3.5 Lakhs monthly salary .

Since I am not earning what they requested , can anyone let me know how to get upgrade with existing credit limit of 10L

Are you asking for Infinia LTF ? Maybe thats why they are asking for salary slip

Usually Infinia is chargeable so they should not have a problem in selling you a card with annual and joining charges.

 

[dhshankar]

Is it LTF 🤔

Is it LTF 🤔

Yes.. There were free and paid version of Regalia when applied for it in 2016.. I opted for free version..

 

[dhshankar]

Are you asking for Infinia LTF ? Maybe thats why they are asking for salary slip

Usually Infinia is chargeable so they should not have a problem in selling you a card with annual and joining charges.

Nope, I asked for just upgrade .. I did not request for LTF explicitly

 

[dav33]

try again few times mailing to priority redressal and grievance redressal. if not done do some transactions till u meet 7.5 lakhs for past 6 months spend criteria and mail them again

 

[dhshankar]

Paid version had joining benefits , whereas free version doesn't

 

[nitrogenSingh]

try again few times mailing to priority redressal and grievance redressal. if not done do some transactions till u meet 7.5 lakhs for past 6 months spend criteria and mail them again

For infinia upgrade, is it required to spend 7.5 to 8 lacs in previous 6 months, or just a credit limit above 8lac will suffice for upgrade request?

 

[souvikdey2002]

I have regalia with 10L credit limit and when I request for infinia upgrade - then asked for 3.5 Lakhs monthly salary .

Since I am not earning what they requested , can anyone let me know how to get upgrade with existing credit limit of 10L

Man you are trying get a double promotion.
For reference, you should go via DCB, ask them for DCB, they should give you without any hassle.
Once you use DCB for some time, then appeal again, I think it will go through.

P:S:- This is solely my suggestion, there are many more Infinia experts, tag them please.

 

[vysakh]

For infinia upgrade, is it required to spend 7.5 to 8 lacs in previous 6 months, or just a credit limit above 8lac will suffice for upgrade request?

both.

 

[nitrogenSingh]

both.

@anirbanm mentioned that condition is either of them, can anyone please clarify which has better chances of approval.

Since getting a limit of 8L can be done over a time, but spending 8L in previous 6 months may not be possible.

 

[nitrogenSingh]

Do whichever suits you ... You'll get the upgrade sometime ... Remember never overspend

Thanks 👍

 

[saiki4116]

I have upgraded to Infinia from Regalia recently. I didn't get LE for last two years. My limit was at 6.7, had I got LE, it would have crossed the minimum 8L limit.
I saw the required conditions on Twitter shared by card maven or Technofino
8L and 2.7L in hand salary
Or
8L and last 6 months more than 7.5 L spends.
I have contacted RM. It was utter useless and water of time. She mentioned it would require more than 3L in hand Salary.
Upgraded to Classic Banking a month before planning to upgrade.
I had also hit 8L spend milestone on my existing Regalia.
Sent out a mail to Grievance redressal, they forwarded me the application to fill and there was lot of back and forth as they wanted me to send it to Chennai branch and I have criticized them why they aren't doing it completely online when IDFC, Onecard take 10 minutes for the approval and completely online onboarding process.
They were nudging towards the DCB, and even I thought that I would do the same as the salary criteria won't be met without including the bonus and no where close to 7.5L spend milestone in 6 months as well.
I have also applied for SC Ultimate meanwhile as a backup card for DCB.
I thought why not give a try for Infinia as I have been using HDFC card for 10 years and also a personal loan running now. I had paid off a personal loan, couple of credit card jumbo loans over these years. If rejected, I can still apply for DCB.
Guess that relationship with them helped me for the upgrade.

 

[saiki4116]

Are you asking for Infinia LTF ? Maybe thats why they are asking for salary slip

Usually Infinia is chargeable so they should not have a problem in selling you a card with annual and joining charges.

They're not offering LTF on DCB/Infinia only FYF , but for other cards, they have addon card or smart pay or some spend milestone for the making them LTF.

 

[dav33]

I have upgraded to Infinia from Regalia recently. I didn't get LE for last two years. My limit was at 6.7, had I got LE, it would have crossed the minimum 8L limit.
I saw the required conditions on Twitter shared by card maven or Technofino
8L and 2.7L in hand salary
Or
8L and last 6 months more than 7.5 L spends.
I have contacted RM. It was utter useless and water of time. She mentioned it would require more than 3L in hand Salary.
Upgraded to Classic Banking a month before planning to upgrade.
I had also hit 8L spend milestone on my existing Regalia.
Sent out a mail to Grievance redressal, they forwarded me the application to fill and there was lot of back and forth as they wanted me to send it to Chennai branch and I have criticized them why they aren't doing it completely online when IDFC, Onecard take 10 minutes for the approval and completely online onboarding process.
They were nudging towards the DCB, and even I thought that I would do the same as the salary criteria won't be met without including the bonus and no where close to 7.5L spend milestone in 6 months as well.
I have also applied for SC Ultimate meanwhile as a backup card for DCB.
I thought why not give a try for Infinia as I have been using HDFC card for 10 years and also a personal loan running now. I had paid off a personal loan, couple of credit card jumbo loans over these years. If rejected, I can still apply for DCB.
Guess that relationship with them helped me for the upgrade.

thanks for info. so u have upgraded to infinia from regalia. and is your limit 6.7 L still or increased.
it is rare to hear that they have converted you to infinia valuing your prior relationship

 

[saiki4116]

thanks for info. so u have upgraded to infinia from regalia. and is your limit 6.7 L still or increased.
it is rare to hear that they have converted you to infinia valuing your prior relationship

They increased it to 8L. I have sent out the form for both LE and upgrade.

 

[LordVoldemort]

All HDFC RMs are useless

I thought only mine was 😅, Glad to hear this

 

[Souvik]

I thought only mine was 😅, Glad to hear this

Even mine too.....

 

[007]

And here I am not upgrading my account coz I don't want another marketing guy bothering me! #SavingsMax #HeadacheMin 🤣