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.

 

[BVCBVC is verified member.]

Relax, It was hiked recently. It was never invite only they always have the criteria defined but never published publicily.

Salary hiked from 30L to 60L

Be happy for this growth in your career. That's more important and congratulations.

Just try with your RM or negotiating.

 

[shu_sha_]

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

View attachment 82417

TRV/RLV is still high for most of the users, Making it still unreachable

 

[theXfactor]

TRV/RLV is still high for most of the users, Making it still unreachable

Yet relaxed compared to 5L net salary

 

[vishp]

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


I also found this btw from reddit below.

View attachment 82427

Did they really change it!? When I got the upgrade in Jan 1st week, it was still 9L spends, 8L limit, 6 months vintage.

 

[Sobirvs]

Did they really change it!? When I got the upgrade in Jan 1st week, it was still 9L spends, 8L limit, 6 months vintage.

no one knows, these are all screenshots flying on the internet. HDFC is yet to comment on it.

 

[vishp]

no one knows, these are all screenshots flying on the internet. HDFC is yet to comment on it.

Okay. Lets see if we get more mails as such. If it is, then pretty difficult to get Infinia from now on, through upgrade. Spending is easy. But getting 12L+ limit needs '7 janam ka punya'.

 

[Sobirvs]

Okay. Lets see if we get more mails as such. If it is, then pretty difficult to get Infinia from now on, through upgrade. Spending is easy. But getting 12L+ limit needs '7 janam ka punya'.

lol yep, CL limit is just impossible.

Even RLV is difficult. 1cr means tons of investments made currently needs to be cancelled.

May be if someone does it via that route and we have a confirmation, then I might take that risk of cancelling investments.

 

[mflying]

Don't know what to say. My RM finally got convinced for the upgrade from DCB metal to Infinia 2 weeks back. Upgrade form is being processed in Chennai. Really hoping this change doesn't impact here

 

[theXfactor]

lol yep, CL limit is just impossible.

Even RLV is difficult. 1cr means tons of investments made currently needs to be cancelled.

May be if someone does it via that route and we have a confirmation, then I might take that risk of cancelling investments.

RLV for must should be difficult. Here people talking about spending 12-15 lakh in 6 month to get Infinia. Keep 1 Cr in bank for limited period isn’t all that difficult.

 

[rava28]

I have current CL of 5 L, by the time I reach the required CL for being eligible to get infinia, they will further revise it lol
So just reading all you guys comments make me feel better as there are many like me who just need consolation. 😊

 

[Ram1]

One has to maintain this heavy relationship for atleast 3 months to consider for infinia application ( as mentioned in 2nd last point)
So may month, people can share their experiences

 

[FinanceBaBa]

Checked with my RM on this.. And he said it's live..

Have asked if it's chargeable or LTF.. For which he is not sure and will confirm in couple of days..

Will update once he confirms..

 

[theXfactor]

I have been able to get some clarity on some of the discussed points here. Hope this helps.

1. Group level balances will not be considered for RLV/TRV and individual customer level balances will only be considered for the card
2. The newly introduced RLV/TRV relationship is just an additional eligibility criteria to be eligible for the card. None of the criteria gets you an LTF card…just be very clear on this.

In fact, I believe, this criterion is much relaxed compared to 5L net salary. The folks who are hell bent on LTF continue to fight at different levels or wait to be offered by the bank even when not requested explicitly but none of the criteria automatically gets you LTF.
Unsolicited suggestion - if you want it and are eligible for it, get it regardless of the pricing. It’s almost paid off.

 

[Sobirvs]

Checked with my RM on this.. And he said it's live..

Have asked if it's chargeable or LTF.. For which he is not sure and will confirm in couple of days..

Will update once he confirms..

Yep, confirmed with a BM too.

Post in thread 'Applying for HDFC Infinia card Tomorrow - Strategy, Tips?'

Feb 3, 2025

Guys I have an update. That 1cr RLV for imperia is correct 99.99%. I went to a branch, talked to BM directly. It was a new branch. I show her this screenshot


This is what I had too and I got it from social media and even reddit had this but no official confirmation was there. Now, I went and BM told me let me check with my senior officials. Later in few house BM called me and told me this is correct. I asked if she can send this to me in email from her hdfc official email. She said sure, then she sent email screenshot below. Now interesting part is when she sent me this, the...

• Sobirvs

 

[Lobogris]

Isn't Imperia account eligibility 30 lakh RLV or 3lakh salary account? Or is this criteria imperia plus additional rlv?

Imperia criteria is still 30 lakhs but eligibility for Infinia via Imperia requires minimum 1 crore in balance or FDs.

 

[Lobogris]

They are making it out of reach for most.

It is their most premium card. It is supposed to be out of reach for the majority.

 

[Lobogris]

TRV/RLV is still high for most of the users, Making it still unreachable

It’s not that much for their targeted segment. They want people to spend a few lakhs per month on it.

 

[FinanceBaBa]

I have been able to get some clarity on some of the discussed points here. Hope this helps.

1. Group level balances will not be considered for RLV/TRV and individual customer level balances will only be considered for the card
2. The newly introduced RLV/TRV relationship is just an additional eligibility criteria to be eligible for the card. None of the criteria gets you an LTF card…just be very clear on this.

In fact, I believe, this criterion is much relaxed compared to 5L net salary. The folks who are hell bent on LTF continue to fight at different levels or wait to be offered by the bank even when not requested explicitly but none of the criteria automatically gets you LTF.
Unsolicited suggestion - if you want it and are eligible for it, get it regardless of the pricing. It’s almost paid off.

Are you sure this RLV/TRV has to be maintained at individual level and not at the consolidated imperia relationship level.?

 

[rogerthat]

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.

 

[theXfactor]

Are you sure this RLV/TRV has to be maintained at individual level and not at the consolidated imperia relationship level.?

Yes, I wouldn’t post it if I wasn’t sure. I’m not sure of any exception route though.