Infinia upgrade hurdles

[Deleted member 27889]

My dcb was upgraded to dcb metal(10.28L limit) after 7-8 months. Now I have spent 8L in the 4 months old dcb metal. My in-hand net salary credit in hdfc bank is around 2.4L pm after deductions. CTC around 45 lpa and recently upgraded to imperia. Also have a home loan with hdfc and a car loan as well with hdfc fasttag 😬. I have been following up for infinia since last year. Now the response from the infinia services changed to somewhat hopeful like “wait for 6 months“. When I escalated, they again started sending “3.5L salary credit required “, “this is for selected customers “ blah blah. My question is should I keep trying or you can suggest some better alternatives.

 

[Bugs Bunny]

Wtf! Just mail them that you are getting better credit cards that too ltf with axis and icici so you are shifting your savings and loan accounts to the respective banks. CC the mail to BM along with grievanceredressalcc and see the magic happening.

 

[Deleted member 27889]

Wtf! Just mail them that you are getting better credit cards that too ltf with axis and icici so you are shifting your savings and loan accounts to the respective banks. CC the mail to BM along with grievanceredressalcc and see the magic happening.

The quoted that they can’t upgrade before the current card turns 6 months old. Wondering if there is any such rule 🤔

 

[Bugs Bunny]

The quoted that they can’t upgrade before the current card turns 6 months old. Wondering if there is any such rule 🤔

You can always create exceptions to the rules. Do what I said and you'll get your card

 

[elite34700]

The quoted that they can’t upgrade before the current card turns 6 months old. Wondering if there is any such rule 🤔

There are always exceptions. 6 months card age is a policy so try seeking an exception from the branch banking leadership.

 

[Zacobite]

My dcb was upgraded to dcb metal(10.28L limit) after 7-8 months. Now I have spent 8L in the 4 months old dcb metal. My in-hand net salary credit in hdfc bank is around 2.4L pm after deductions. CTC around 45 lpa and recently upgraded to imperia. Also have a home loan with hdfc and a car loan as well with hdfc fasttag 😬. I have been following up for infinia since last year. Now the response from the infinia services changed to somewhat hopeful like “wait for 6 months“. When I escalated, they again started sending “3.5L salary credit required “, “this is for selected customers “ blah blah. My question is should I keep trying or you can suggest some better alternatives.

wait.. spend on dcb

be patient.. in 6-9 months it will be smooth.. dont push /dont rush

 

[Vasuki]

The quoted that they can’t upgrade before the current card turns 6 months old. Wondering if there is any such rule 🤔

Go to branch manager . Talk him out or walk out as he gonna loose business.
bm can do wonders if they want.

Hdfc home loan since merger they are bullish on it . Try to leverage that ..
If 6 month rule is too much that it can't be bend.
Ask your rm / bm To give u in writing(mail) after 6 month on card they will do it for a guarantee

 

[Deleted member 27889]

approved finally after sending 10+ emails. Received an email from MD desk with a form to send for final approval. Issues card is FYF.

 

[SHUB11]

My dcb was upgraded to dcb metal(10.28L limit) after 7-8 months. Now I have spent 8L in the 4 months old dcb metal. My in-hand net salary credit in hdfc bank is around 2.4L pm after deductions. CTC around 45 lpa and recently upgraded to imperia. Also have a home loan with hdfc and a car loan as well with hdfc fasttag 😬. I have been following up for infinia since last year. Now the response from the infinia services changed to somewhat hopeful like “wait for 6 months“. When I escalated, they again started sending “3.5L salary credit required “, “this is for selected customers “ blah blah. My question is should I keep trying or you can suggest some better alternatives.

What do you do for such huge CTC

 

[Deleted member 27889]

What do you do for such huge CTC

I work hard in whatever I do 🙂

 

[Bugs Bunny]

I work hard in whatever I do 🙂

Laconic . .

 

[deepak.bhdj]

approved finally after sending 10+ emails. Received an email from MD desk with a form to send for final approval. Issues card is FYF.

on which id you sent email ?

 

[girish3456]

on which id you sent email ?

Could be managingdirector@hdfcbank.com

Or

Sashi.Jagdishan@hdfcbank.com

 

[mj01]

The quoted that they can’t upgrade before the current card turns 6 months old. Wondering if there is any such rule 🤔

NO. I held DCB for less than 2 months before requesting and getting Infinia upgrade citing Diners acceptance issues. Though my DCB was upgrade from Regalia so acceptance problem I mailed them was genuine!

 

[nrj1007]

NO. I held DCB for less than 2 months before requesting and getting Infinia upgrade citing Diners acceptance issues. Though my DCB was upgrade from Regalia so acceptance problem I mailed them was genuine!

Did you meet all criterias for infinia? Salary/ITR, 8 lakhs spend in last 6 months, 8 lakhs credit limit on existing card?

 

[mj01]

Did you meet all criterias for infinia? Salary/ITR, 8 lakhs spend in last 6 months, 8 lakhs credit limit on existing card?

I only met the existing card limit condition. Spends might have been ~5L in 6 months, and the bank doesn't know my salary (which was anyway below the stated minimum)!