Infinia Infinia Request Rejected even after fulfilling 'Spend+Limit' Criteria[Update: Approved]

[vishp]

As many of you know, I was planning to send for Infinia Upgrade request in Jan 1st week. I sent it on January 1st to Priority Redressal and ydy late night, received the rejection mail from grievance redressal with same vague reasons of internal parameters. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.

I have written a very strong reply to them mentioning the below points:
- Asked the reason of rejection, since Official criteria has been confirmed by HDFC officials, and only then I spent the required amount... attached their 3 upgrade conditions screenshot.
- Many have got it with the same criterias. Attached some Twitter and forum examples hiding the personal info.
- Many have got it even after not fulfilling the criterias. Attached a twitter example.
- Many have done two upgrades within 6 months. Attached a Reddit group example.
- Mentioned that during my recent International trip, DCB was rejected in all shops.. and I would had easily spent 1+ lakhs if I had infinia as it's on Visa/MasterCard. Have another international trip coming up in 3 months and Infinia would be my best option
- Requested to reconsider my upgrade request, talking about our family TRV
- Any further rejection again meant they are clearly discriminating against me. We will close our Family accounts, and take our business somewhere else, and I will file a discrimination case against HDFC Bank with RBI Ombudsman

Let's see what they reply. Completely frustrated with this private sarkari bank!!

Update 1: Jan 3: Again Rejected my Grievance Redressal after writing the above strong reply mail. Wrote a separate mail to PNO.

Update 2: Jan 6: Infinia upgrade approved by PNO.

 

[vishp]

FYI: @SSV @_ayush @BVC @Ram1 @Yugi @theXfactor @Fini7777 @aniketkr.sharma

 

[aniketkr.sharma]

Th

As many of you know, I was planning to send for Infinia Upgrade request in Jan 1st week. I sent it on January 1st to Priority Redressal and ydy late night, received the rejection mail from grievance redressal with same vague reasons of internal parameters. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.

I have written a very strong reply to them mentioning the below points:
- Asked the reason of rejection, since Official criteria has been confirmed by HDFC officials, and only then I spent the required amount... attached their 3 upgrade conditions screenshot.
- Many have got it with the same criterias. Attached some Twitter and forum examples hiding the personal info.
- Many have got it even after not fulfilling the criterias. Attached a twitter example.
- Many have done two upgrades within 6 months. Attached a Reddit group example.
- Mentioned that during my recent International trip, DCB was rejected in all shops.. and I would had easily spent 1+ lakhs if I had infinia as it's on Visa/MasterCard. Have another international trip coming up in 3 months and Infinia would be my best option
- Requested to reconsider my upgrade request, talking about our family TRV
- Any further rejection again meant they are clearly discriminating against me. We will close our Family accounts, and take our business somewhere else, and I will file a discrimination case against HDFC Bank with RBI Ombudsman

Let's see what they reply. Completely frustrated with this private sarkari bank!!

They need 10 lakhs + credit limit to upgrade now.

 

[Ram1]

I feel its due to 8L+ limit, some executives consider 10L,some 8L.
Don't give up. Keep escalating it, new executives will answer ur query, who knows one might approve it.

Also write to PNO immediately.

 

[vishp]

Th

They need 10 lakhs + credit limit to upgrade now.

In last two months, many got it with 8+ limit. They themselves have confirmed 8L+ limit to many people on mail. Attaching one of such screenshots.

 

[vishp]

I feel its due to 8L+ limit, some executives consider 10L,some 8L.
Don't give up. Keep escalating it, new executives will answer ur query, who knows one might approve it.

Also write to PNO immediately.

Yes. Waiting for Grievance Redressal reply. I will then escalate to PNO. Even if they reject, I will go to MD Desk. If they reject I am filing a complaint with all proofs to RBI ombudsman. Even if RBI rejects, I will file an appeal. Will also file an RTI if required. HDFC themselves have shared about upgrade criteria to many people mentioning 8L+ limit and 9L+ spends.

 

[drsel]

Since November 2024 it's more strict/difficult.
Infinia now needs 60 lacs ITR

 

[vishp]

Since November 2024 it's more strict/difficult.
Infinia now needs 60 lacs ITR

I am going through the Spend+Limit route for upgrade. Many have got it upgraded in the forum in November and December with this.

 

[drsel]

Better to get a job on the ship to earn more than 1 crore per year completely tax free.

My friends working on all ships--cruise lines, oil and cargo ships earn $10000 to $15000 per month completely tax free, with free food, free accommodation, and no rent, no electricity/water/gas bills
Thet all have Infinia
They all get Infinia very easily

 

[vishp]

Better to get a job on the ship to earn more than 1 crore per year completely tax free.

My friends working on all ships--cruise lines, oil and cargo ships earn $10000 to 15000 per month completely tax free
Thet all have Infinia
They all get Infinia very easily

Haha. Need to rethink my career then 😛

 

[drsel]

Haha. Need to rethink my career then 😛

Yes it's really tough here.
so people who work hard for their money in India, will hardly earn anything by international Western standards (in US dollar terms)
+
they have to pay heavy taxes on it
+
Indian rupee keeps falling against the US dollar every month & every year, so your hard work is becoming more and more worthless with every passing year

 

[Hell_Kitty]

As many of you know, I was planning to send for Infinia Upgrade request in Jan 1st week. I sent it on January 1st to Priority Redressal and ydy late night, received the rejection mail from grievance redressal with same vague reasons of internal parameters. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.

I have written a very strong reply to them mentioning the below points:
- Asked the reason of rejection, since Official criteria has been confirmed by HDFC officials, and only then I spent the required amount... attached their 3 upgrade conditions screenshot.
- Many have got it with the same criterias. Attached some Twitter and forum examples hiding the personal info.
- Many have got it even after not fulfilling the criterias. Attached a twitter example.
- Many have done two upgrades within 6 months. Attached a Reddit group example.
- Mentioned that during my recent International trip, DCB was rejected in all shops.. and I would had easily spent 1+ lakhs if I had infinia as it's on Visa/MasterCard. Have another international trip coming up in 3 months and Infinia would be my best option
- Requested to reconsider my upgrade request, talking about our family TRV
- Any further rejection again meant they are clearly discriminating against me. We will close our Family accounts, and take our business somewhere else, and I will file a discrimination case against HDFC Bank with RBI Ombudsman

Let's see what they reply. Completely frustrated with this private sarkari bank!!

I got this via the same spend/limit criteria but before Oct 24. So I am not criticizing anyone here nor supporting bank here but here are my thoughts. These are not official criteria. Banks have internal tools to check how do you spend and how do you repay. Whether paying full or partial payments. Even the payment date is also tracked to determine your source of funds to pay the bills. Unless you buy ULIP (without meeting any conditions) or you meet all conditions of unofficial eligibility you're still at the discretion of the bank. For the same reason they have kept the criteria very secretive and undocumented anywhere. HDFC wants to make money through Infinia so they make sure only those who are passing either one of the above criteria is issued an Infinia Metal. So with undocumented eligibility RBIO is not going to be of much help and it will turn in favor of HDFC only in my opinion.

 

[sidp]

. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.!!

I think they have increased it to 10L bow. But as they have mentioned 8L in previous mail, you do have a case. Escalate it to the moon. 🤣
Keep us updated. 👍

 

[sidp]

. These are not official criteria. Banks have internal tools to check how do you spend and how do you repay.

I agree that it is generally upto banks discretion. But they have mentioned the upgrade criteria to some people. Once they mention 10L spend in 6m and 8l cl , it's not unofficial anymore.
@vishp could argue that he used dcb only because the criteria was clearly mentioned, else he would used other more rewarding cards.

 

[vishp]

I got this via the same spend/limit criteria but before Oct 24. So I am not criticizing anyone here nor supporting bank here but here are my thoughts. These are not official criteria. Banks have internal tools to check how do you spend and how do you repay. Whether paying full or partial payments. Even the payment date is also tracked to determine your source of funds to pay the bills. Unless you buy ULIP (without meeting any conditions) or you meet all conditions of unofficial eligibility you're still at the discretion of the bank. For the same reason they have kept the criteria very secretive and undocumented anywhere. HDFC wants to make money through Infinia so they make sure only those who are passing either one of the above criteria is issued an Infinia Metal. So with undocumented eligibility RBIO is not going to be of much help and it will turn in favor of HDFC only in my opinion.

View attachment 79374

Completely agree with you. I have made all the payments within 2 days of bill generation. Let's see what reason will they give for rejection.

 

[vishp]

I think they have increased it to 10L bow. But as they have mentioned 8L in previous mail, you do have a case. Escalate it to the moon. 🤣
Keep us updated. 👍

Yes

I agree that it is generally upto banks discretion. But they have mentioned the upgrade criteria to some people. Once they mention 10L spend in 6m and 8l cl , it's not unofficial anymore.
@vishp could argue that he used dcb only because the criteria was clearly mentioned, else he would used other more rewarding cards.

Absolutely correct. They can't play favourites. They also can't give the reason of New customer as I have salary account with them for 9 Years. They can't give CIBIL reason as I have 795 score and 100% payment track record. Really looking forward for their reply.

 

[ashwinikumar900]

As many of you know, I was planning to send for Infinia Upgrade request in Jan 1st week. I sent it on January 1st to Priority Redressal and ydy late night, received the rejection mail from grievance redressal with same vague reasons of internal parameters. I had spent 11 Lakhs in last 6 months and have a Credit Limit of 8L+.

I have written a very strong reply to them mentioning the below points:
- Asked the reason of rejection, since Official criteria has been confirmed by HDFC officials, and only then I spent the required amount... attached their 3 upgrade conditions screenshot.
- Many have got it with the same criterias. Attached some Twitter and forum examples hiding the personal info.
- Many have got it even after not fulfilling the criterias. Attached a twitter example.
- Many have done two upgrades within 6 months. Attached a Reddit group example.
- Mentioned that during my recent International trip, DCB was rejected in all shops.. and I would had easily spent 1+ lakhs if I had infinia as it's on Visa/MasterCard. Have another international trip coming up in 3 months and Infinia would be my best option
- Requested to reconsider my upgrade request, talking about our family TRV
- Any further rejection again meant they are clearly discriminating against me. We will close our Family accounts, and take our business somewhere else, and I will file a discrimination case against HDFC Bank with RBI Ombudsman

Let's see what they reply. Completely frustrated with this private sarkari bank!!

many times it depends upon executives too, I got the upgrade offer even when my limit was 9L something at that time, although I didn't upgraded because of DCB METAL milestones benefit. so try again. And Yes DCB has acceptance issues.

 

[vishp]

many times it depends upon executives too, I got the upgrade offer even when my limit was 9L something at that time, although I didn't upgraded because of DCB METAL milestones benefit. so try again. And Yes DCB has acceptance issues.

Definitely seems like that.

 

[ccdc]

Better to get a job on the ship to earn more than 1 crore per year completely tax free.

My friends working on all ships--cruise lines, oil and cargo ships earn $10000 to $15000 per month completely tax free, with free food, free accommodation, and no rent, no electricity/water/gas bills
Thet all have Infinia
They all get Infinia very easily

are your friends working in a technical role or non-technical/admin type of role?....i would love to work in a ship...

 

[sidp]

are your friends working in a technical role or non-technical/admin type of role?....i would love to work in a ship...

I guess @drsel is talking about merchant navy. He didn't mention the biggest benefit: 6m paid leave. Some get alternate qtr/month off, some get 6m at a stretch. 😁