Infinia How to get Approval for Infinia Credit Card through this New Process?

[Deleted member 50494]

Please share your experience here if anyone is planning to apply for HDFC Infinia credit card through this process starting from Feb 1, 2025.

 

[Sobirvs]

The real news here is that the economy is so completely screwed that banks can barely afford to give out any benefits anymore.

what? conspiracy theories ultra pro max and economy is literally booming.

 

[theXfactor]

The real news here is that the economy is so completely screwed that banks can barely afford to give out any benefits anymore. Basically just about anyone other than the 0.01% can now forget getting a super-premium card.

For banks (anyone for that matter) it’s give and take. Their intent is to offer it to ppl who can spend huge and are also credible. if you don’t give any business to the bank and just swipe cards in lounges, that would trigger devaluation.
Somehow I feel that Atlas is on point to get further devalued in next few months. Axis doesn’t let us reap benefits for long.

Infinia may not get significantly devalued by the bank as it’s now a golden goose for them.

Anyways, Infinia or no Infinia, buy HDFC stocks for long term…their CASA and NII etc. are definitely going to improve…thanks to the new eligibility criteria 😃

 

[BCh]

So one can get Infinia for 1cr FD...has anyone tried? Can we negotiate for lesser amount?

 

[Sobirvs]

So one can get Infinia for 1cr FD...has anyone tried? Can we negotiate for lesser amount?

I tried asking for 50-70 L, they said no.

Even if you do 1cr FD, card approval chances are not 100%, but ya, 90% which is a damn good number.

They will check CIBIL, background checks, making sure you are genuine and then give infinia.

 

[aniketkr.sharma]

I tried asking for 50-70 cr, they said no.

Even if you do 1cr FD, card approval chances are not 100%, but ya, 90% which is a damn good number.

They will check CIBIL, background checks, making sure you are genuine and then give infinia.

Really you asked them 50-70 crores, still they denied?

 

[theXfactor]

I tried asking for 50-70 cr, they said no.

Even if you do 1cr FD, card approval chances are not 100%, but ya, 90% which is a damn good number.

They will check CIBIL, background checks, making sure you are genuine and then give infinia.

If you have 50-70 Cr, you are anyway ineligible for Infinia...you don't need credit. Overqualified.

 

[Sobirvs]

Really you asked them 50-70 crores, still they denied?

If you have 50-70 Cr, you are anyway ineligible for Infinia...you don't need credit. Overqualified.

LOL, edited. ofc L and even I don't have that haha, I was just checking what response I get.

 

[theXfactor]

LOL, edited. ofc L and even I don't have that haha, I was just checking what response I get.

Now you are eligible 😀

 

[Lobogris]

If you have 50-70 Cr, you are anyway ineligible for Infinia...you don't need credit. Overqualified.

Lots of rich people have Infinia.

 

[sravanbrahma]

Has someone verified above screenshot for imperia/infiniti is from HDFC??


I also found this btw from reddit below.

View attachment 82427

They reduced the spend criteria from 9L to 7.5L. But increased the CL requirement to 12L

 

[rogerthat]

They reduced the spend criteria from 9L. But increased the CL requirement.

Smart. Because customer spending is not in their control, but assigning Credit Limit is.

 

[theXfactor]

They reduced the spend criteria from 9L. But increased the CL requirement.

What’s the new spend and CL criteria

 

[techstrom007]

They reduced the spend criteria from 9L to 7.5L. But increased the CL requirement to 12L

when ? it was hiked recently to 9l i believe

 

[techstrom007]

They reduced the spend criteria from 9L to 7.5L. But increased the CL requirement to 12L

i think it's similar to the reply where they replied neu infnity and swiggy are core cards 🤣 🤣

 

[vishp]

i think it's similar to the reply where they replied neu infnity and swiggy are core cards 🤣 🤣

I also have the doubt that how did they change criteria in 3 months. I have also not seen anyone else getting that reply from HDFC.

 

[Virtual King]

Infinia Based on FD (as in 1st week of Feb 25, based on actual discussions with RM/BM/CH in a Tier 2 City)
* No Infinia being offered on 50L FD.
* One can get a DCB on a 50L FD. However, minimum 3 months' Imperia account is required.
* Infinia on a 1cr FD is a Yes - but minimum after 6 months of opening the FD.
* Infinia on a 2cr FD is a Yes - immediately - within the month.

 

[sravanbrahma]

Infinia Based on FD (as in 1st week of Feb 25, based on actual discussions with RM/BM/CH in a Tier 2 City)
* No Infinia being offered on 50L FD.
* One can get a DCB on a 50L FD. However, minimum 3 months' Imperia account is required.
* Infinia on a 1cr FD is a Yes - but minimum after 6 months of opening the FD.
* Infinia on a 2cr FD is a Yes - immediately - within the month.

Seriously they are hyping it too much... 😁😂🤣
Looks like they need FDs and giving us peanuts for FDs.

 

[aniketkr.sharma]

Seriously they are hyping it too much... 😁😂🤣
Looks like they need FDs and giving us peanuts for FDs.

Banks aren't getting money for FD's

 

[Virtual King]

But getting 12L+ limit needs '7 janam ka punya'.

CL limit is just impossible.

Personal Experience.
* Infinia initially activated with Credit Limit (CL) of Rs 8L in May 24.
* In Dec 24, automatic Limit Enhancement (LE) offer by HDFC in MyCards App.
* Clicked on it. CL enhanced to Rs15L within a few minutes. Reflected in MyCards App also.
* Total spends on Infinia (May - Dec 24) - approx. Rs 8.24L.
* Total credit cards in Dec 24 - two (Infinia and SBI BPCL Octane - CL of Rs 15L + Rs 2.3L respectively = Rs 10.3L)
* Credit Utilisation Ratios (CURs)- On Infinia approx. 5-20% in this period; on Octane - approx. 5% in this period.
* CIBIL score (checked in Jan 25 after applying for Amex Plat Travel and Amex hard enquiry) - 770
* No other active home/car/personal/etc loan.

Hope this helps. 🙂

 

[Dazzwilliams]

Banks aren't getting money for FD's

Who told? They pay you 6.5-7% as interest for FD while they earn min 8.5-9% interest by giving out your money for home/car loans