Infinia metal upgrade story

[abhi_cc]

I got an upgrade offer on my Regalia LTF credit card which had a limit of 10L in Aug 2023.

Regalia history:
I got regalia LTF in Feb 2018 with a credit limit of 3L.
After receiving multiple credit limit increase offers it reached the peak of 15L in Q4 of 2022.
I got this split into 10L and 5L while applying for TataNeu infinity Rupay CC.

Spend history:
I had not even spent 5k in the last 6 months leading up to the upgrade offer and wouldn't have spent more that 2L over the lifetime of the card.
So, I think it's a misconception that you need to have high spend on your card to get an upgrade offer.

Upgrade offer:
First I received an upgrade offer of some Diners card which I didn't avail and 3 months later I got an offer for Infinia Metal CC FYF.

 

[sidp]

Spend history:
I had not even spent 50k in the last 6 months leading up to the upgrade offer and wouldn't have spent more that 2L over the lifetime of the card.

Upgrade offer:
First I received an upgrade offer of some Diners card which I didn't avail and 3 months later I got an offer for Infinia Metal CC FYF.

Congrats on the upgrade offer !
Only 2 categories of people get offer. Those who spend a lot or those who spend very little. But only a few get from category 2. People in the middle are stuck.

 

[sidp]

Upgrade offer:
First I received an upgrade offer of some Diners card which I didn't avail and 3 months later I got an offer for Infinia Metal CC FYF.

Was it a manual application? From your post I thought preapproved.

 

[jeevanreddy58]

May i jnow Salary account? If hdfc , salary range and balance you maintain on acnt ?

 

[HumorSimpson]

Congrats on the upgrade offer !
Only 2 categories of people get offer. Those who spend a lot or those who spend very little. But only a few get from category 2. People in the middle are stuck.
View attachment 49098

Just like taxes. Super rich and the poor have no problems but the middle class gets the pinch.

 

[Firewing224]

For manual upgrade - high spends.
For auto upgrade - high salary.

 

[HumorSimpson]

For auto upgrade - high salary.

Only for salary accounts right?

 

[Firewing224]

Only for salary accounts right?

High regular credits *

 

[Deleted member 26954]

बिन मांगे मोती मिलें... मांगे मिले ना भीख

 

[elite34700]

I got an upgrade offer on my Regalia LTF credit card which had a limit of 10L in Aug 2023.

Regalia history:
I got regalia LTF in Feb 2018 with a credit limit of 3L.
After receiving multiple credit limit increase offers it reached the peak of 15L in Q4 of 2022.
I got this split into 10L and 5L while applying for TataNeu infinity Rupay CC.

Spend history:
I had not even spent 50k in the last 6 months leading up to the upgrade offer and wouldn't have spent more that 2L over the lifetime of the card.
So, I think it's a misconception that you need to have high spend on your card to get an upgrade offer.

Upgrade offer:
First I received an upgrade offer of some Diners card which I didn't avail and 3 months later I got an offer for Infinia Metal CC FYF.

Getting a preapproved offer doesn't need spends condition but is given by product themselves looking at vintage, spends pattern repayment history and potential CIBIL history ( one way to secure you from taking any other super premium card of competition bank, hdfc is smart that way ). Getting upgrade basis spend is a policy in effect for aspirers of infinia card.