Infinia Infinia metal FYF journey

[slimshady]

when did this happen? did the 3 months pass?

It will be 3 months in mid-October

 

[sri_cc]

It will be 3 months in mid-October

probably you can contact your RM after this as one last try from your side

 

[beast_boy]

I was holding hdfc regalia ltf since 2015 but almost never used it except lounge access. Also, no other relationship with hdfc till date. Applied for dcb ltf under alumni offer (now discontinued) in Nov 2023 and got the same as the upgrade from regalia. Same spends with dcb, minimally used it in last 6-7 months. My main cards till date were axis ace and icici amazon pay.

In Apr 2024, requested limit increase of dcb from 6.5 lakhs to 9.4 lakhs based on itr and sound salary slips. Wrote to grievance email of hdfc to upgrade to infinia this year multiple times, but got denied.

Just 10 days back, I again emailed them citing more than 8 lakhs spends in last 8 months (they were originally asking for 6 months period) from axis ace and icici amazon pay cards. They approved infinia based on these spends.

What did you share as proof of your spends on Axis Ace and ICICI Apay bro ?

 

[sri_cc]

What did you share as proof of your spends on Axis Ace and ICICI Apay bro ?

most probably statements or you bank download yearly statements like for saving account and use them

 

[bhaveshbhai]

What did you share as proof of your spends on Axis Ace and ICICI Apay bro ?

Monthly statements of both for last 8 months

 

[MrMonkey]

can you please share more details like, CL on Reg card, last 6 months spends,
if comfortable take home salary as well

@dravikumar Incase you missed this query, thanks

 

[card-shard]

3.8-4.2L net take home

This is pretty low for 1.2Cr. Seems like your actual salary is around 70L, rest is stock units with vesting clause or a one time joining bonus.

 

[dravikumar]

@dravikumar Incase you missed this query, thanks

Thought I answered this already in another post.

CL on Regalia is 12.18L
Spends 14L and I am self employed.

 

[jar89]

Update: Long post alert.

DCB to Infinia upgrade done and dusted

Initially RM was supposed to take approval based on my 2.6 L salary credit, loan relation with HDFC (21L), last 8 months spend ~ 10.5 L, long 10 year relation with HDFC, Salary account with HDFC etc. + was upgraded to Imperia account few weeks back (Thanks to RM).

But I tried my luck by sending a mail to escalation cc with my use cases and eligibility to get Infinia and they replied to send supporting docs and a letter to their Chennai address.
I send the same letter along with my pay slips, loan account screenshots and last 6 months spend.

My DCB had only 6 L limit, but my spends were high.
On 2nd Sep I send the speed post and now am seeing the Infinia Metal card details in my CC section with 8 L limit. I hold a Tata Neu Infinity and I don't think its an issue. Not sure though.

I am pasting the letter that I send to them below this screenshot. Hope this helps at least few who are kind of on the same boat.

Hello,

I would like to upgrade my DCB to Infinia along with limit upgrade. Or If I can choose only one, I would like to opt for Infinia.

Below are my use cases/requirements/eligibility for limit and Infinia upgrade.

1) The total spend in my current card anniversary year is ~23 L (as per customer care, when I last checked) and in the past 8 months it's ~10.7 L. So, I have been a high spender and have paid my dues on time in the entire history of CC usage without any defaults.

2) I am an Imperia account holder with my salary credited to HDFC account.

3) I have been a long-term customer with HDFC and holding an account for nearly 9 years and have been using your credit cards for a few years now with high spends.

4) I am having an upcoming purchase of nearly 10 L and would need my limit to be enhanced to pay this expense.

5) An issue with DCB is its acceptability - I had a foreign trip to Azerbaijan in March 2024 and I even enrolled for the Global value program. I had enabled international transactions and yet the DCB card was not accepted in any of the places including Marriott properties or luxury malls in Azerbaijan.
I tried my luck in Qatar during transit and it was rejected there as well.
I have upcoming trips in Dec and Apr to Thailand and Japan and I plan to use my entire spends on HDFC CC for this purpose.
Infinia will be my best bet for this requirement.

6) I am holding a home loan with HDFC of 21 L and have not defaulted on it till date. I have shifted this from AXIS bank to HDFC considering my long term relation with HDFC.

7) I am drawing an In-hand Salary close to 2.6 L now and the total salary is 3.2 L with taxes.
I have switched to a new firm from Aug and still I am using HDFC as the salary account even though AXIS is the preferred bank for my new employer. HDFC has been by salary account for 9 years now.

Based on my spending over the past 6-8 months and the long-term relationship I am holding with HDFC and considering all the above factors I have mentioned for my upcoming spends, I request to upgrade my card to Infinia with an increased limit of 10 L or above.

 

[mojo_jojo123]

I was holding hdfc regalia ltf since 2015 but almost never used it except lounge access. Also, no other relationship with hdfc till date. Applied for dcb ltf under alumni offer (now discontinued) in Nov 2023 and got the same as the upgrade from regalia. Same spends with dcb, minimally used it in last 6-7 months. My main cards till date were axis ace and icici amazon pay.

In Apr 2024, requested limit increase of dcb from 6.5 lakhs to 9.4 lakhs based on itr and sound salary slips. Wrote to grievance email of hdfc to upgrade to infinia this year multiple times, but got denied.

Just 10 days back, I again emailed them citing more than 8 lakhs spends in last 8 months (they were originally asking for 6 months period) from axis ace and icici amazon pay cards. They approved infinia based on these spends.

LTF or FYF ?

 

[bhaveshbhai]

LTF or FYF ?

FYF variant card