How to get HDFC Infinia?

[LordPSN]

I'm an Imperia account holder, having 40 lacs FD. I have Regalia First Visa and Tata Neu Infinity Rupay with credit limit 10 lacs, both cards LTF.
I have 11 lac CTC, in hand salary 77k monthly.
Is there any way I can get Infinia? Already talked to my RM, her head and Sales Manager of credit card department but all saying that they cannot convert my Regalia First to Infinia as LTF.

 

[sauravkumar]

It looks like HDFC's customer care team politely declined the request.

So, plan B: I'll go for the Diners Club Black (DCB) card and aim for an upgrade later. 😏

Here's what I need some clarity on:

1. Salary Slip Requirement: Should I submit 3 months of salary slips or is 2 months sufficient as I have only 2 months of net credit of 2.7L and before that it was 2.25L?
2. Best Application Route for DCB: Is it better to apply through an agent or go directly online to get a higher credit limit, with an eye toward an Infinia upgrade down the line?
3. Expected Credit Limit (CL): Ideally hoping for an 8L CL as a head start, but the agent I spoke with didn’t sound too optimistic. What’s typical for initial limits here?
4. FYF Offer: The local agent mentioned a first-year-free (FYF) offer with a spend-based waiver—spend 1.5L within 90 days to waive the joining fee. Just wondering if this is a legit offer, even if I apply online?

For context, my new HDFC corporate salary account has a net credit of 2.7L. I've adjusted a few flexible benefit plans, so the incoming pay will be lower starting December.

I can comment on the last 2 points since I got DCB 2 months ago.

3- In most of the cases CL limit will be 5 lakhs.
4- Yes this offer is true. I have got it. Also you will receive joining benefits like vouchers on reaching 1.5L within 90 days.

 

[_ayush]

2. Best Application Route for DCB: Is it better to apply through an agent or go directly online to get a higher credit limit, with an eye toward an Infinia upgrade down the line?

If you are an alumni of any college in their list, ig the best way would be to apply through alumni program. Iirc they still offer fyf DCB.

 

[GGGGGG]

If you are an alumni of any college in their list, ig the best way would be to apply through alumni program. Iirc they still offer fyf DCB.

Is the list available in public domain or do we need to confirm with HDFC?

 

[GGGGGG]

For salaried individuals, will HDFC consider ITR filed for meeting income criteria OR income cited in salary slip mandatory?

 

[_ayush]

Is the list available in public domain or do we need to confirm with HDFC?

There was an excel sheet which was pretty accurate somewhere on this forum. Other than that not you need to check with hdfc.

 

[techie_space]

I can comment on the last 2 points since I got DCB 2 months ago.

3- In most of the cases CL limit will be 5 lakhs.
4- Yes this offer is true. I have got it. Also you will receive joining benefits like vouchers on reaching 1.5L within 90 days.

4 - Did you apply online or via agent? What was your net salary credit?

 

[sauravkumar]

4 - Did you apply online or via agent? What was your net salary credit?

I applied via Agent.

I have heard many stories that people applied for different card in online application and received something different. You can search in this forum.😁😁
So I avoided this route. I applied through agent (CC Regional Head) and next day I also received confirmation call regarding Card details and spend waiver for FYF. And moreover they also send you your application form on your mail.😃😃

If anyone is applying offline then it's obvious na that he is fulfilling all the criteria (including Salary requirements).😑😑

 

[Swastik]

It looks like HDFC's customer care team politely declined the request.

So, plan B: I'll go for the Diners Club Black (DCB) card and aim for an upgrade later. 😏

Here's what I need some clarity on:

1. Salary Slip Requirement: Should I submit 3 months of salary slips or is 2 months sufficient as I have only 2 months of net credit of 2.7L and before that it was 2.25L?
2. Best Application Route for DCB: Is it better to apply through an agent or go directly online to get a higher credit limit, with an eye toward an Infinia upgrade down the line?
3. Expected Credit Limit (CL): Ideally hoping for an 8L CL as a head start, but the agent I spoke with didn’t sound too optimistic. What’s typical for initial limits here?
4. FYF Offer: The local agent mentioned a first-year-free (FYF) offer with a spend-based waiver—spend 1.5L within 90 days to waive the joining fee. Just wondering if this is a legit offer, even if I apply online?

For context, my new HDFC corporate salary account has a net credit of 2.7L. I've adjusted a few flexible benefit plans, so the incoming pay will be lower starting December.

1 - send 2 months only for now, send anything else only if asked

2 - neither agent nor online application determine your crediy limit, it's decided by automated systems and people much higher

3 - i can concur with @sauravkumar ,initial limit will be 5L only, but you can always try for limit enhancement later on

4 - FYF offer or spend based fee reversal is quite common on HDFC cards whichever way you apply

 

[techie_space]

If anyone is applying offline then it's obvious na that he is fulfilling all the criteria (including Salary requirements).😑😑

I wanted to ask about this to understand the new salary-to-credit-limit (CL) ratio. Two months ago, the minimum salary requirement was 1.7L, which would result in a CL of 5L (3x the salary).

Now that the salary requirement has increased to 2.5L, I’m expecting the minimum CL limit to be around 7-8L!

 

[sauravkumar]

I wanted to ask about this to understand the new salary-to-credit-limit (CL) ratio. Two months ago, the minimum salary requirement was 1.7L, which would result in a CL of 5L (3x the salary).

Now that the salary requirement has increased to 2.5L, I’m expecting the minimum CL limit to be around 7-8L!

I am not the expert here but what I have seen that for most of the HNI card there is a default floor limit which is 5 lakhs. Like ICICI Sapphiro, IDFC Wealth, DCB etc.
So my best guess will be you will also get 5 lakhs as CL.😀😀

And frankly saying you should be more concerned about getting the card rather than CL.
CL can be taken care later also.
But in HDFC first CC means a lot (Only I have seen in this bank)😄😄

 

[techie_space]

Question about DCB-
- Whats the use of Dcb addon card, apart from getting lounge access?
- I know addon card is required for lounge access. But won't main card work for 2/3 swipes since it's unlimited.
- Can we enjoy GyFTR benifits twice using Addn card?

 

[_ayush]

Question about DCB-
- Whats the use of Dcb addon card, apart from getting lounge access?
- I know addon card is required for lounge access. But won't main card work for 2/3 swipes since it's unlimited.
- Can we enjoy GyFTR benifits twice using Addn card?

1- its basically getting a dcb for that add on member. the limit, rps and milestone will be shared. Apart from that all the benefits you get, add on member gets. That can be lounge access, extra gyftr limit, otp on their number, different card for offers, etc

2- lounge usually dont allow it. Even if they do, i think banks may flag it and you might get charged.

3- yes

 

[techie_space]

1- its basically getting a dcb for that add on member. the limit, rps and milestone will be shared. Apart from that all the benefits you get, add on member gets. That can be lounge access, extra gyftr limit, otp on their number, different card for offers, etc

2- lounge usually dont allow it. Even if they do, i think banks may flag it and you might get charged.

3- yes

Please confirm: you have two DCB cards (primary + addon), but the total accelerated reward points is still capped at 10,000 points, not 20,000 points (10,000 per card).

Is that correct?

 

[_ayush]

Please confirm: you have two cards, but the total accelerated reward points is still capped at 10,000 points, not 20,000 points (10,000 per card).

Is that correct?

Its 15k and not 10k right? Total capping for both add on and primary is 15k.

 

[Ram1]

I'm an Imperia account holder, having 40 lacs FD. I have Regalia First Visa and Tata Neu Infinity Rupay with credit limit 10 lacs, both cards LTF.
I have 11 lac CTC, in hand salary 77k monthly.
Is there any way I can get Infinia? Already talked to my RM, her head and Sales Manager of credit card department but all saying that they cannot convert my Regalia First to Infinia as LTF

Ltf free infinia is not possible 99%. Only hdfc entertaining through ULIPs, that too stopped i guess.
Go for paid one if u really need it

 

[techie_space]

If I buy an Apple product worth ₹2 lakh on EMI, I'll earn reward points on each EMI payment as per HDFC t&c. However, I'm unsure about the reward points capping. Will it be:

A) Capped at the monthly limit of 15,000 points based on the month of purchase, 5000 points each month for 3months EMI?
B) Or will I receive all the points earned, which would be around 33,000 points (5x rewards on ₹2 lakh), with approximately 11,000 points credited each month for say 3 months EMI?

 

[techie_space]

I wanted to ask about this to understand the new salary-to-credit-limit (CL) ratio. Two months ago, the minimum salary requirement was 1.7L, which would result in a CL of 5L (3x the salary).

Now that the salary requirement has increased to 2.5L, I’m expecting the minimum CL limit to be around 7-8L!

This is TRUE. CL is 3x of salary. But we have to push a lot through offline agent.

I am not the expert here but what I have seen that for most of the HNI card there is a default floor limit which is 5 lakhs. Like ICICI Sapphiro, IDFC Wealth, DCB etc.
So my best guess will be you will also get 5 lakhs as CL.😀😀

And frankly saying you should be more concerned about getting the card rather than CL.
CL can be taken care later also.
But in HDFC first CC means a lot (Only I have seen in this bank)😄😄

Got the DCB card with 8L limit 🙂
Even though it's true that getting the card is more important than worrying about CL. I just wanted higher CL so that upgrade to Infinia is fast-tracked! Thanks anyhow for the inputs!

 

[Axelblaze]

I feel ULIPS is the only way to get this card now