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

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ccdc said:
merchnt navy is so rewarding???....6M paid leave....how come???
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Not just merchant navy, even offshore drills have same 6m paid leave.

Do you expect them to ship you back to home every weekend? 😋
 
sidp said:
Not just merchant navy, even offshore drills have same 6m paid leave.

Do you expect them to ship you back to home every weekend? 😋
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not every weekend... i thought 1-2 months paid leave would be there...6M is way too much...i guess they pay them high since they have a chance they might get kidnapped by pirates...plus some terrorist org are now attacking cargo ships as well.....
 
vishp said:
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!!
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A few years ago I had a similar discussion with my HDFC RM. He insisted that I meet the spend criteria on my Regalia card, only then he would apply for infinia (paid) for me. I told him to give me this in writing, because I don't trust the bank to give me the card even though I make the spends. As usual he said that was out of his hands and only Chennai team can do it.
At that time I didn't have the spends so didn't do it and later he was pushing for ULIP, which I did not take.
Now I have completely given up on Infinia.
 
drsel said:
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
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True, but the benefits will be enjoyed by Add on Holders. 😋😋
 
vishp said:
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!!
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I have heard someone mentioning 10L Credit limit needed, but there are cases for 8L CL also. Ass you've already escalated let us wait for the communication from them. All the best.
 
vishp said:
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!!
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Keep on pushing. 99% you will receive.
 
HDFC bank is a bully. If you have the energy, time and will at hand, fight and make them bend by all means. I never applied for Infinia but I have my own discrimination issues with hdfc bank. I have cards with 10L plus limits with banks having zero relationships and here is HDFC bank with Imperia account which never gave me an upgrade, limit enhancement or even spend based offers in the last 7-8 odd years.

I am sure that at least a thousand members here will file a joint appeal against hdfc banks’ credit card department.

If I have an excellent credit score, long credit history, flawless payment record, high credit limit on other cards including required spends and big home loans, there is no reason to decline unless discriminatory practices are at play.

Ps: There are posts by freshers holding Infinia cards. Go figure.
 
ccdc said:
are your friends working in a technical role or non-technical/admin type of role?....i would love to work in a ship...
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On a cruise ship you could be a selling alcohol in the duty free liquor shop or a salesman in any other shop
You could be a photographer.
You could help out in shore excursions.
You could be a bartender and get up to $10000 completely tax free every month. (Some Americans event tip a hundred dollar note if they don't have change and are sufficiently drunk)

You need basic qualifications but nothing extraordinary.
You will get free boarding and lodging so free stay, free food and zero electricity, zero gas bills.

And all income is in dollars completely tax free.
The value of your wealth with keep on growing every month, because US dollar has to keep on rising against the Indian rupee.
It's a continuous process for ever and ever
 
I was upgraded from Business Regalia to Infinia last year. First my credit limit was increased from 4.5lakhs to 8 lakhs, and then upgraded to Infinia, but remember I am an Imperia customer since last several years with heavy spends on the credit card (30 lakhs+ annually).
 
I too faced a rejection yesterday. Last 6 months spends > 8L and DCB has limit of 10L. My DCB is LTF hence might give up after trying a bit
 
@vishp mail to priority readdressal sometimes comes up as a rejection. No need to worry grievance email will result in a positive reply since they are the PNO for credit cards. 100% sure you will get Infinia. People here kept the threads running for 3 months then got Infinia. RBI can't force banks to issue cards to customers, neither RTI will give you any info. Patience is the key, play the game and you will get it, I had email thread going on for 3 weeks to get Infinia.
 
vishp said:
Yes

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.
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They can absolutely play favourites. It's their TnC aka the internal criteria. And the spends, credit limit are not the only criteria.
 
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vishp said:
Another service request has been registered. Got the mail and sms. Let's see.
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I had also faced rejection for upgrading LTF DCB to Infinia. I had CL < 6L and spends of 8L in 6 months.
After the rejection I wrote a strong mail that HDFC has to be transparent regarding their internal criteria and they can't just reject upgrades without specifying justified reasons.
Finally they upgraded the card but still CL is < 6L.
 
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