They might ask to make fd for higher limit. During application process my rm said they approving my infinia but with 4.5l limit, make 3l fd to get more limit upto 10l. To show having higher relationship with bank. In saving account was 10L. Fd not linked to cc, can close anytime.
It was the relationship manager completing his target
Yes thought same after reading all community posts.
Did you apply BizBlack via FD route? if so how much was FD amount?
No documents generally required but they don't approve it easily nowadays. They can ask for GST registration and ITR to show you have a business.
Yes, it will show as a separate card.
Sorry to ask, but can you please explain how you get 24 % discount on flights?
Rewards points that need to be transferred to an airline or hotel rewards programme.
On 2 lakhs spend using Magnus burgundy card on Travel edge, I get 60000 points in 3 days which are worth more than Rs.48000
Talked to the RM . He said it will be done . Submitted the form in the branch . Got 2 Cibil hits ( Not sure why ) and then today the card got rejected . RM is saying that since you dont have a business , the card is rejected . You need to show proof that you have business and then it will be investigated and then you can get this card .
With BizBlack it was always the case.. They do ask for business documents.
Many people on this groups mentioned that they have gotten it as floater to Infinia without any documents . So, worth a try .
They didn't ask me anything. Got it just last week as a floater. However, I have a decent TRV with them (in several crores). Sometimes it's just luck.
If one has any past relationship with HDFC, they would have already tagged that profile at backend - whether that individual has a business profession or not. Based on it they could issue without asking for supporting documents to prove business profession. This was case with me as well (no document asked), as I had previously enquired about a business loan (never took it though).
No, I don’t own any business and don’t do any sort of work either. I do have a reasonably high ITR (way above current requirements) but they have never asked for it. I do declare self employed but since I don’t have any company name or address, banks don’t like it. I got Amex only after the representative decided to declare me as “retired”. They had declined it earlier with ITR but provided a high limit after he declared retired and didn’t ask for any documents!
Can i apply biz black metal as floater of DCB Metal ? or i need to first upgrade to Infinia and then apply for Biz Black metal as floater ?
You can apply for Biz Black as floater of DCB Metal. Only criteria is your existing credit card limit should be > 5lacs. Just FYI - HDFC credit card team is asking for business proof before they approve Biz Black these days.
Thanks for replying , i am salaried person but will give a try once.
I actually tried getting BizBlack as floater to DCB metal. Didn't work. Apparently they are in same level (as per HDFC's internal criteria), and BizBlack as floater could be issued to only higher level card (like Infinia).
