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.

 

[aniketkr.sharma]

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. 🙂

What was your previous limit?

 

[Virtual King]

What was your previous limit?

Rs 8L - as mentioned. So, automatic LE from Rs 8L to Rs 15L in about 6-7 months.

 

[aniketkr.sharma]

Rs 8L - as mentioned. So, automatic LE from Rs 8L to Rs 15L in about 6-7 months.

I think then for me it will take eternity.

Better for me to focus on my salary hike, this method seems to be achievable but getting LE on hdfc cards from there base limits of 3 lakhs is unachievable to me.

 

[abhiaj98]

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. 🙂

Spend based upgrade?

 

[theXfactor]

I think then for me it will take eternity.

Better for me to focus on my salary hike, this method seems to be achievable but getting LE on hdfc cards from there base limits of 3 lakhs is unachievable to me.

Bhai it’s Ok to focus on your salary hike but here we are talking about 5L net for this card. I’m sure you can do that. For you it might be easy, for me CL or even FD route is easier. Post all deductions, taxes, ESPP etc etc. 5L net would mean 1 Cr gross roughly.

 

[aniketkr.sharma]

Spend based upgrade?

Yeah they are giving but only for those who have above 12 lakhs limit now

 

[vishp]

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. 🙂

Nice enhancement! Main reason people are desperate for CL is to qualify the CL threshold for Infinia. I have seen many cases where spends have been fulfilled, but not the CL.

 

[abhiaj98]

Yeah they are giving but only for those who have above 12 lakhs limit now

Not really. A friend with 8.7L CL got the upgrade today on escalation to PNO.

 

[abhiaj98]

Nice enhancement! Main reason people are desperate for CL is to qualify the CL threshold for Infinia. I have seen many cases where spends have been fulfilled, but not the CL.

I think CL is a lot based on salary. Most of my high earning friends, with salary acc in hdfc, have a CL >= 12L

 

[Sobirvs]

I think CL is a lot based on salary. Most of my high earning friends, with salary acc in hdfc, have a CL >= 12L

No, I hardly think so. Relationship matters alot and spending too. Based on the ITR I file I should be getting 40k limit but I have 3.5L limit. It's mil card. I have spent may be 1.5L in last 6 months on it. The card is like 4-5 yrs old. It's also LTF.

I am in a process of building solid relationship with HDFC. Opened the account, making 5L FD. Also will upgrade under brother's imperia family banking.

My brother's limit on regalia gold is 8.5L. Card is 10 yrs old (he had regalia before, now regalia gold). His ITR is like 5-6L only (basically handles business but draws small salary as per accountant instructions).

 

[abhiaj98]

No, I hardly think so. Relationship matters alot and spending too. Based on the ITR I file I should be getting 40k limit but I have 3.5L limit. It's mil card. I have spent may be 1.5L in last 6 months on it. The card is like 4-5 yrs old. It's also LTF.

I am in a process of building solid relationship with HDFC. Opened the account, making 5L FD. Also will upgrade under brother's imperia family banking.

My brother's limit on regalia gold is 8.5L. Card is 10 yrs old (he had regalia before, now regalia gold). His ITR is like 5-6L only (basically handles business but draws small salary as per accountant instructions).

Possible. Since high salary automatically equals high RV, so I guess you are right.

I have a CL of 12L btw and I barely keep FD of 2L in hdfc. No other relationship.

 

[aniketkr.sharma]

Possible. Since high salary automatically equals high RV, so I guess you are right.

I have a CL of 12L btw and I barely keep FD of 2L in hdfc. No other relationship.

What is the timeline of your relationship with hdfc?

 

[abhiaj98]

What is the timeline of your relationship with hdfc?

2.5 years. Started as salary acc.

 

[abhiaj98]

2.5 years. Started as salary acc.

What is the timeline of your relationship with hdfc?

btw my DCB’s initial CL was 10L, with 4 months of opening hdfc acc. So yeah, definitely salary played the biggest role.

 

[aniketkr.sharma]

btw my DCB’s initial CL was 10L, with 4 months of opening hdfc acc. So yeah, definitely salary played the biggest role.

Yeah anyway salary matters alot.

I have 2.1 inhand salary still they aren't upgrading me to dcb now as they increased salary criterias for rg & dcb & infinia, tried alot after millennia Then they gave RG in July with a limit of 3 lacs and till now NO LE and no upgrades.

 

[vishp]

btw my DCB’s initial CL was 10L, with 4 months of opening hdfc acc. So yeah, definitely salary played the biggest role.

What's your salary range? Do you maintain high balance in your account?

 

[abhiaj98]

What's your salary range? Do you maintain high balance in your account?

Salary is 3+. Nope, don’t maintain high balance.

 

[theinfinitykris]

Additional information that I got

 

[Sobirvs]

View attachment 84442
Additional information that I got

So I am imperia aswell but I am under my brother's banking program. I am secondary and he is "primary".

Does this mean I will never ever have any chance for infinia now? as I am a secondary customer? I don't plan to get infinia today lol, and my CL is anyways low but I will never have a chance for infinia in future aswell coz of this BS? ugh

 

[abhiaj98]

So I am imperia aswell but I am under my brother's banking program. I am secondary and he is "primary".

Does this mean I will never ever have any chance for infinia now? as I am a secondary customer? I don't plan to get infinia today lol, and my CL is anyways low but I will never have a chance for infinia in future aswell coz of this BS? ugh

There’s always the spends or salary route. You can also ask your brother to remove you from the family banking anytime.

Definitely no need to be so dramatic.