Infinia Upgrade Journey Nov 2024

[Yugi]

Hi Everyone,

Background

Salary: Little less than 2L per month
Job: In private MNC has salary account tie-up with HDFC
AMB: around 1L
Salary Account: HDFC
Account Type: Preferred
CL: 8.69L (recently increased from 7.9L)
Cards with HDFC: DCB LTF, Tata Neu Infinity Paid, Rupay Virtual LTF

Journey

I had DCB LTF from alumni programmed since Apr 2023. From this forum came to know about how to upgrade Infinia based on spends criteria and CL. Before that extensively used HDFC Regalia to pay college (MBA) fee but was not aware of upgrade criteria hence missed the opportunity to upgrade, nevertheless got DCB LTF post college. Now I was waiting for opportunity to spend more than 7.5 L and upgrade to Infinia. I have put marriage expenses on my DCB but they came just a bit more than 7L. I raised a request back in July to upgrade my card, they flat out refused saying that I should atleast have 10L CL to be eligible for upgrade, escalated it but HDFC did not budge. Sent my salary slips with little hope for CL increase but that too was rejected. I gave up on Infinia dream. Add to the blow they increased the salary criteria for Infinia recently. Infinia was getting impossible to achieve.

Now, during Diwali got a target spend offer around 1.2L for some voucher. Came to know about an app from the community wherein we can order for others on Flipkart (not mentioning the name as it can be risky). Spent 70k on it (which was the money I was willing to lose of things got bad, luckily got paid without any issues). On aggregate spent 1.5L on DCB and achieved the target. To my luck I got a CL increase which I was waiting for 1 year. Now my CL was 8.69L. This was my chance to raise for Infinia request again.

But to my shock my last six months spends dropped to 6L as some major spends drifted away because I spent them early 2024. So, in the mail I put both my Tata Neu and DCB spends together which amounted to 11L in past 6 months (thanks to SBI Unipay loophole I came to know from the forum which got patched in May 2024). Again, got a rejection as expected. Escalated to next level and got rejected again. Finally escalated to PNO and as they say luck favours the brave, I got lucky, and they agreed to upgrade my DCB LTF to FYF Infinia Metal. ("Mann mei ladoo phoota"). All my mail replies were taken care by ChatGPT o1-preview, that thing is damn good, worth the money paid for.

I got greedy, as many of members in forum have both Infinia and DCB, I also wanted to try my luck in it. As they were upgrading my card on based on combined spends criteria, I thought I will ask them to upgrade my Tata Neu to Infinia and retain my DCB as floater since it has virtual priority pass and access to some lounges which are not available on Infinia. They rejected my proposal and sent mail that are not going to reply any further on this topic and entertain any other requests.

Finally filled the upgrade form on Nov 7th and today I can see Infinia Metal on NetBanking. Thank you to this forum for providing valuable insights. I milked many benefits thanks to this forum (Hitting 4L milestone on Plat Travel using the Housing app hack) (Upgraded to IDFC Wealth before devaluation and used SPA benefits).

Special Thanks to @SSV who shared his journey and helped us with valuable insights, not easy for someone constantly being picked on for the upgrade path he took (which best suited him). Yet he stayed and answered all the queries.

 

[dexter_greycells]

To anyone reading this thread - social media and forums like TF have blown Infinia out of proportion and championed it as some sort of card that will get you free vacations in Europe. Infinia is a reward points based travel oriented card i.e. it is worth it if and only if you take flights or stay in hotels a few times a year. Either that or you become a travel agent for friends and family. Some people also use the reward points for 1:1 redemption on Tanishq vouchers and Apple products (at MRP) but I consider that as niche and over-priced uses.

One needs to very carefully review their spending patterns and lifestyle before they chase Infinia. Plenty of people who are more than eligible for an Infinia are much better served through mid-budget cards like SBI Cashback, HDFC Millennia/Swiggy, Axis Ace, Axis Airtel and others or a combination of those. I don't think if your spends are, say, less than 4L/year you should even bother with an Infinia.

A prayer for the HDFC representatives at the receiving end of the calls, emails from customers after reading threads like this 🙏

 

[_ayush]

All the best for your bride search, this one is even difficult than getting Infinia 😛

Once you hit 8L spends mark in 6 months, I suggest you increase CL to 8L against an FD and raise a request for Infinia because getting CL increase automatically is unpredictable. Later you can remove the lien, and they will reduce you CL again. This was done by one of the fellow members. Search the forum and connect with him.

I increased the credit limit on FD lein but they are not ready to remove the lein. They are saying that base limit for Infinia is 8L so I will be downgrade to dcb if I remove lein.

 

[Yugi]

I increased the credit limit on FD lein but they are not ready to remove the lein. They are saying that base limit for Infinia is 8L so I will be downgrade to dcb if I remove lein.

Ohh, thats bad then. Try and increase your CL then through other ways. What was your CL before FD lein?

 

[Yugi]

To anyone reading this thread - social media and forums like TF have blown Infinia out of proportion and championed as some sort of card that will get you free vacations in Europe. Infinia is a reward points based travel oriented card i.e. it is worth it if and only if you take flights or stay in hotels a few times a year. Either that or you become a travel agent for friends and family. Some people also use the reward points for 1:1 redemption on Tanishq vouchers and Apple products (at MRP) but I consider that as niche and over-priced uses.

One needs to very carefully review their spending patterns and lifestyle before they chase Infinia. Plenty of people who are more than eligible for an Infinia are much better served through mid-budget cards like SBI Cashback, HDFC Millennia/Swiggy, Axis Ace, Axis Airtel and others or a combination of those. I don't think if your spends are, say, less than 4L/year you should even bother with an Infinia.

A prayer for the HDFC representatives at the receiving end of the calls, emails from customers after reading threads like this 🙏

You are absolutely right. Infinia USP lies around travel. Unlimited lounges, 1:1 redemptions of points etc. If some does a family trip annually, I guess it would be worth for them as it would easily burn 50K points for to and fro domestically (assuming family of 5).

 

[pgarg24]

I have been chasing them for last 2 months and now after multiple escalations they say your card is approved and will be delivered to you in next 10 days.

How much time it took to appear in net banking after the approval ?

What was your cl on the previous card and what was the previous card it was upgraded from? I have tried asking for cl for 2 years and they have denied.. i have only 4.7L cl on my dcb right now so they always decline an upgrade to infinia for me.

 

[_ayush]

Ohh, thats bad then. Try and increase your CL then through other ways. What was your CL before FD lein?

It was 5L before. Its not that bad. I was anyways keeping some FD with them as emergency fund. In case of emergency ig, downgrading card wouldn't matter and I'll withdraw.

 

[techstrom007]

What was your cl on the previous card and what was the previous card it was upgraded from? I have tried asking for cl for 2 years and they have denied.. i have only 4.7L cl on my dcb right now so they always decline an upgrade to infinia for me.

I have 15L CL on millinia and Neu Inifinity , And Net monthly salary of 4.3 L .. Though they were forcing for atleast 5L, Additionaly i have over 70L combined in cash & FD with them.

 

[techstrom007]

2 days and in another day or two you will get the card. My card approved on 6th Nov and I received the card on 10th.

Seems like i need to push them again, My was approved 4 days back and still no signs of card anywhere. Though they mentioned it will take next 10 days before you get the card.

HDFC need mails and lot of mails to do a small thing.

 

[sumit_yadav]

Seems like i need to push them again, My was approved 4 days back and still no signs of card anywhere. Though they mentioned it will take next 10 days before you get the card.

HDFC need mails and lot of mails to do a small thing.

Agree, HDFC need to do better in communication. They did not provide much updates in the application process and card delivery.

 

[Hisoka]

Just wanted to ask, are every type of spends considered by HDFC when we request for an upgrade? Or they skip the ones like Rent and utilities?

 

[tachniki]

Just wanted to ask, are every type of spends considered by HDFC when we request for an upgrade? Or they skip the ones like Rent and utilities?

They have been considering advance tax. So, i am guessing all are considered.

 

[adldeeps]

Hi Friends, In Aug I upgraded Regalia gold(CL8.1) to DCB Metal after (8.1) as Inifnia was denied due to low spends although ITR/Salary criteria was meeting. Now I have crossed 8L spend in last 4 months but also obtained Tata Neu Infinity & Siggy card in same time.
After I get quarterly bonus, I want to request Infinia upgrade in Jan 1st week.

So Should I disable TNI & Swiggy before requesting upgrade or apply as is since they all share same CL
Although my HDFC bank & CC account is 20Y old I am not receiving salary in HDFC from last 4 years as using different bank.
I want to target CL from 8.1 to 12 and upgrade to infinia. Please suggest best path to get this Infinia upgrade
1. Disabling TNI & Swiggy required ?
2. Converting HDFC account to salary account required ?

 

[imdjay]

Hi Friends, In Aug I upgraded Regalia gold(CL8.1) to DCB Metal after (8.1) as Inifnia was denied due to low spends although ITR/Salary criteria was meeting. Now I have crossed 8L spend in last 4 months but also obtained Tata Neu Infinity & Siggy card in same time.
After I get quarterly bonus, I want to request Infinia upgrade in Jan 1st week.

So Should I disable TNI & Swiggy before requesting upgrade or apply as is since they all share same CL
Although my HDFC bank & CC account is 20Y old I am not receiving salary in HDFC from last 4 years as using different bank.
I want to target CL from 8.1 to 12 and upgrade to infinia. Please suggest best path to get this Infinia upgrade
1. Disabling TNI & Swiggy required ?
2. Converting HDFC account to salary account required ?

1. NO
2. NO

 

[sunit123]

To anyone reading this thread - social media and forums like TF have blown Infinia out of proportion and championed it as some sort of card that will get you free vacations in Europe. Infinia is a reward points based travel oriented card i.e. it is worth it if and only if you take flights or stay in hotels a few times a year. Either that or you become a travel agent for friends and family. Some people also use the reward points for 1:1 redemption on Tanishq vouchers and Apple products (at MRP) but I consider that as niche and over-priced uses.

One needs to very carefully review their spending patterns and lifestyle before they chase Infinia. Plenty of people who are more than eligible for an Infinia are much better served through mid-budget cards like SBI Cashback, HDFC Millennia/Swiggy, Axis Ace, Axis Airtel and others or a combination of those. I don't think if your spends are, say, less than 4L/year you should even bother with an Infinia.

A prayer for the HDFC representatives at the receiving end of the calls, emails from customers after reading threads like this 🙏

Agree...It has become iphone of credit card industry....People using super money on iphone bought on EMI for 2 Rs cashback, similarly 90% people who are vouching for infinia never moved out of their city....

Those who are getting free vacations of 3/4 lakhs have spent more than 50 lac but no one is willing to understand in this mad rush.

 

[siddup30]

Hi Everyone,

Background

Salary: Little less than 2L per month
Job: In private MNC has salary account tie-up with HDFC
AMB: around 1L
Salary Account: HDFC
Account Type: Preferred
CL: 8.69L (recently increased from 7.9L)
Cards with HDFC: DCB LTF, Tata Neu Infinity Paid, Rupay Virtual LTF

Journey

I had DCB LTF from alumni programmed since Apr 2023. From this forum came to know about how to upgrade Infinia based on spends criteria and CL. Before that extensively used HDFC Regalia to pay college (MBA) fee but was not aware of upgrade criteria hence missed the opportunity to upgrade, nevertheless got DCB LTF post college. Now I was waiting for opportunity to spend more than 7.5 L and upgrade to Infinia. I have put marriage expenses on my DCB but they came just a bit more than 7L. I raised a request back in July to upgrade my card, they flat out refused saying that I should atleast have 10L CL to be eligible for upgrade, escalated it but HDFC did not budge. Sent my salary slips with little hope for CL increase but that too was rejected. I gave up on Infinia dream. Add to the blow they increased the salary criteria for Infinia recently. Infinia was getting impossible to achieve.

Now, during Diwali got a target spend offer around 1.2L for some voucher. Came to know about an app from the community wherein we can order for others on Flipkart (not mentioning the name as it can be risky). Spent 70k on it (which was the money I was willing to lose of things got bad, luckily got paid without any issues). On aggregate spent 1.5L on DCB and achieved the target. To my luck I got a CL increase which I was waiting for 1 year. Now my CL was 8.69L. This was my chance to raise for Infinia request again.

But to my shock my last six months spends dropped to 6L as some major spends drifted away because I spent them early 2024. So, in the mail I put both my Tata Neu and DCB spends together which amounted to 11L in past 6 months (thanks to SBI Unipay loophole I came to know from the forum which got patched in May 2024). Again, got a rejection as expected. Escalated to next level and got rejected again. Finally escalated to PNO and as they say luck favours the brave, I got lucky, and they agreed to upgrade my DCB LTF to FYF Infinia Metal. ("Mann mei ladoo phoota"). All my mail replies were taken care by ChatGPT o1-preview, that thing is damn good, worth the money paid for.

I got greedy, as many of members in forum have both Infinia and DCB, I also wanted to try my luck in it. As they were upgrading my card on based on combined spends criteria, I thought I will ask them to upgrade my Tata Neu to Infinia and retain my DCB as floater since it has virtual priority pass and access to some lounges which are not available on Infinia. They rejected my proposal and sent mail that are not going to reply any further on this topic and entertain any other requests.

Finally filled the upgrade form on Nov 7th and today I can see Infinia Metal on NetBanking. Thank you to this forum for providing valuable insights. I milked many benefits thanks to this forum (Hitting 4L milestone on Plat Travel using the Housing app hack) (Upgraded to IDFC Wealth before devaluation and used SPA benefits).

Special Thanks to @SSV who shared his journey and helped us with valuable insights, not easy for someone constantly being picked on for the upgrade path he took (which best suited him). Yet he stayed and answered all the queries.

bro can you DM the app name to increase spends IDM

 

[Noaxis]

Had a discussion with my RM and BM today, was told that spending based upgrade to Infinia is discontinued and Infinia Reserve is on cards?

What's the way to upgrade to Infinia now?

@SSV Need your guidance please🙏

 

[SSV]

Had a discussion with my RM and BM today, was told that spending based upgrade to Infinia is discontinued and Infinia Reserve is on cards?

What's the way to upgrade to Infinia now?

@SSV Need your guidance please🙏

Nor sure about discontinuation of spend based upgrade to infinia.. I doubt this.

Regarding infinia reserve, please wait for a while . They have been saying this for a while..

 

[Noaxis]

Nor sure about discontinuation of spend based upgrade to infinia.. I doubt this.

Regarding infinia reserve, please wait for a while . They have been saying this for a while..

Thank you so much for your reply Brother.

In that case I will transfer spendings to DCB metal (few major spending lined up).

Just need significant limit enhancement for upgrade in that case (current limit is too less, 4 lacs only).

 

[BMR]

Guys I need an urgent advice from the forum members, if someone can answer this.

I suggested Tata Neu Inifinity card to my friend, who has a HDFC preferred bank account and no other HDFC card. He applied for it via HDFC netbanking and he got the card today. It was mentioned as LTF.

But now he tells me that he was also planning to get Infinia later, and I read in TF forums that if someone gets a co-branded HDFC card first, then they won't give Infinia to that person. Is that true ?

Now if he does not activate the Infinity card for 30 days, will it get cancelled automatically ?

 

[tachniki]

Guys I need an urgent advice from the forum members, if someone can answer this.

I suggested Tata Neu Inifinity card to my friend, who has a HDFC preferred bank account and no other HDFC card. He applied for it via HDFC netbanking and he got the card today. It was mentioned as LTF.

But now he tells me that he was also planning to get Infinia later, and I read in TF forums that if someone gets a co-branded HDFC card first, then they won't give Infinia to that person. Is that true ?

Now if he does not activate the Infinity card for 30 days, will it get cancelled automatically ?

Not true. I got Infinia after Neu Infinity. Payslip and good rm / bm is all one need.