Strange. How long have you been using credit cards? Also, what's your monthly average spend? One of my relatives have 4 LPM net salary, and he was also denied both Infinia and DCB because he has been spending very less using the credit cards. The logic is premium cards won't be given to people who are more inclined towards using cash instead of credit cards.
My average yearly spends on existing HDFC CC is 12 lakhs for last 3 years.
What's your current credit limit and Card variant?
You need to spend 7.5L in last 6 months on core HDFC card and
Among other criteria, having a premium card from other banks also helps and also the limit should be atleast 8L. How did you apply?
Its Millenia
I am having DCB LTF with credit limit being <6L. From past 1.5 year didn't get any credit limit enhancement. Avg take home salary is <1L and ITR is 25L.
Asking with them for last 2 months. No positive response so far.
I'll close & move out shortly.
Upgrade criteria for existing customers is different compared to new application. Due to this, some people cancelled their existing card and then got Infinia under fresh application
Try meeting the spend criteria and Limit criteria on your core card. You will get Infinia. To get only based on salary, RM has to put in lot of effort in taking exception approvals which many times they are not willing to put in.
Not sure about tax and insurance but gold counts towards milestones and RPs, so it should be considered here as well.
Yes Insurance and gold counts. Tax will also count, although you wont get any reward points for Tax payments
My RM told me Gold spends don't count. He probably wanted me to do ULIP investment.
They count... HDFC cards have no major MCC restrictions apart from wallet I think for milestone criteria. Reward point earning is little more restricted with fuel, govt and rent exclusions
Yes eventually I got it when PNO showed their willingness to upgrade to FYF Infinia Metal.
