Infinia Is it possible to get FYF/Paid Infinia if I hold a LTF DCB ?

[faltooAdmi]

Hi,

I hold a DCB ltf with 8L limit. I was thinking of getting an Infinia (even paid is fine) but without losing this ltf DCB.

I am a preferred customer with hdfc with 10+yrs salary account there. Is there any way I could get an Infinia.

Generally I see they upgrade from DCB to Infinia. But is it possible to keep both ?

PS : Before I got my DCB, I could see both Infinia and DCB as pre approved for me in HDFC portal. I opted for DCB as it was ltf and I had magnus as my Target. But now seeing all this vistara/accor fiasco, thinking of opting for an Infinia.

@TechnoFino @bhavyegoel @anirban.choudhury @TheMentalist @RewardsAlert @WhoU @ltf4ever @Abhishek012 @Cardmarvel @Wealth is my birth right! @Tejas @cardwizard @mgforce @CVR @CMG @pprakash11 @4uziaul @Walter White

 

[starstruck]

If you have money to spare, you can try via FD route of 8-12 lakhs and see whether they will offer it.

 

[faltooAdmi]

If you have money to spare, you can try via FD route of 8-12 lakhs and see whether they will offer it.

I already have 5L fd with them

 

[starstruck]

I already have 5L fd with them

Time to increase it and threaten them with closure of this FD too if you dont get Infinia. Give lollipop and stick together. 🤣

 

[R@J]

2 core cards from HDFC Bank is really very rare as long as you’re having a very high NRV with a knowledgeable cum supportive RM
Else only upgrade is possible
Make ur limit to 10l and move to infinia that’s my 2 cent suggestion

I currently hold two core HDFC cards with me - DCB alumni and Regalia LTF.
How I got it:
I had Regalia LTF with 7.5 Lakh limit. I was offered DCB LTF based on Alumni status. I requested the sales manager that I wish to retain Regalia as well. So, he took my consent/signature on another limit split form. My current limit was split into two parts - 5 lakh for new DCB and 2.5 lakh for old Regalia. Both LTF. However, I haven't received any Limit enhancement since last 1 year of DCB use.

Interestingly, mine was a unique case (purely because of knowledgeable sales manager). After around 1-2 months, my other batchmate with same case reached out to the HDFC Diners Alumni POCs....who told my batchmate that the split thing cant happen for random xyz reasons.

 

[Wealth is my birth right!]

I currently hold two core HDFC cards with me - DCB alumni and Regalia LTF.
How I got it:
I had Regalia LTF with 7.5 Lakh limit. I was offered DCB LTF based on Alumni status. I requested the sales manager that I wish to retain Regalia as well. So, he took my consent/signature on another limit split form. My current limit was split into two parts - 5 lakh for new DCB and 2.5 lakh for old Regalia. Both LTF. However, I haven't received any Limit enhancement since last 1 year of DCB use.

Interestingly, mine was a unique case (purely because of knowledgeable sales manager). After around 1-2 months, my other batchmate with same case reached out to the HDFC Diners Alumni POCs....who told my batchmate that the split thing cant happen for random xyz reasons.

Yes 2 things here:
RM u got is having good rapport with his/her zonal ups to get special approval
Secondarily overall ur net worth could have supported the branch where you have account to meet some of their targets
Unique criteria and great to see 👍
Happy spending

 

[Avid_snake]

I tried for the same thing today. Have a DCB LTF and asked for a Infinia with limit split. My RM said right now HDFC is strictly not allowing 2 super premium cards together. It was allowed in the past and she herself has both DCB and Infinia. The reason was HDFC was seeing lot of customers with zero usage on the LTF card and they don't want super premium cards which are not used regularly.

I've still asked her to try if anything is possible as I don't want to upgrade to Infinia as I may not get DCB LTF again in case if Infinia is devalued heavily. Holding both cards will mean I can always cancel Infinia in future and continue with my LTF DCB

 

[faltooAdmi]

I tried for the same thing today. Have a DCB LTF and asked for a Infinia with limit split. My RM said right now HDFC is strictly not allowing 2 super premium cards together. It was allowed in the past and she herself has both DCB and Infinia. The reason was HDFC was seeing lot of customers with zero usage on the LTF card and they don't want super premium cards which are not used regularly.

I've still asked her to try if anything is possible as I don't want to upgrade to Infinia as I may not get DCB LTF again in case if Infinia is devalued heavily. Holding both cards will mean I can always cancel Infinia in future and continue with my LTF DCB

Even I took up the same case with my RM. Also have ltf DCB, was trying to get Infinia as well.

They will not allow DCB along with Infinia. May upgrade to Infinia in few months. But I also don't want to loose ltf DCB .

 

[R@J]

I tried for the same thing today. Have a DCB LTF and asked for a Infinia with limit split. My RM said right now HDFC is strictly not allowing 2 super premium cards together. It was allowed in the past and she herself has both DCB and Infinia. The reason was HDFC was seeing lot of customers with zero usage on the LTF card and they don't want super premium cards which are not used regularly.

I've still asked her to try if anything is possible as I don't want to upgrade to Infinia as I may not get DCB LTF again in case if Infinia is devalued heavily. Holding both cards will mean I can always cancel Infinia in future and continue with my LTF DCB

True....for the same reason, HDFC had added a clause like they can cancel the LTF card by giving prior notice, if it's not used in 6 months!!

 

[Avid_snake]

I've told my RM, I'll use both cards regularly, don't even need additional limit, just split the same into two, still not agreeing till now. Let me wait and see.

For normal usage DCB is good enough, that can be a primary card and Infinia only where it has additional benefits

 

[aniruddhaadhe]

In this forum I read that if you get 13L limit, u can split that in 8L infinia (floor limit) and 5L DCB.
But u need to convince BM/RM for taking the request. Its doable.

 

[manishtaneja90]

I've told my RM, I'll use both cards regularly, don't even need additional limit, just split the same into two, still not agreeing till now. Let me wait and see.

For normal usage DCB is good enough, that can be a primary card and Infinia only where it has additional benefits

RMs are useless. They never support.

 

[Salvo08]

Don’t think HDFC allows you to hold two cards except with Tata Neu cards

 

[PavanPavan is verified member.]

Don’t think HDFC allows you to hold two cards except with Tata Neu cards

to all i have 4 cards from HDFC 🙁 still they declined Infinia to me
As @Wealth is my birth right! HDFC issues card based on NRV 🙁

 

[Wealth is my birth right!]

to all i have 4 cards from HDFC 🙁 still they declined Infinia to me
As @Wealth is my birth right! HDFC issues card based on NRV 🙁

Upgrade any of the 4 to paid infinia they will accept this request

 

[PavanPavan is verified member.]

Upgrade any of the 4 to paid infinia they will accept this request

No they are denying they are saying they need minimum 10L limit which i don't have

@Wealth is my birth right! out of curiosity what is the monthly or ITR required for 10L CC Limit ?

 

[Wealth is my birth right!]

No they are denying they are saying they need minimum 10L limit which i don't have

@Wealth is my birth right! out of curiosity what is the monthly or ITR required for 10L CC Limit ?

30+ lacs ITR will do with pvt banks

 

[sid16]

I am holding both DCB LTF as well as Infinia FYF. Not even under Alumni program. The RMs never do the work of pressing the credit card department. They will just keep telling that HDFC doesn't allow 2 Super Premium cards together, but it's a lie.

 

[aniruddhaadhe]

I am holding both DCB LTF as well as Infinia FYF. Not even under Alumni program. The RMs never do the work of pressing the credit card department. They will just keep telling that HDFC doesn't allow 2 Super Premium cards together, but it's a lie.

Congratulations. This is very rare.
We all would love to hear how you got it.

 

[Avid_snake]

I am holding both DCB LTF as well as Infinia FYF. Not even under Alumni program. The RMs never do the work of pressing the credit card department. They will just keep telling that HDFC doesn't allow 2 Super Premium cards together, but it's a lie.

Did you get the Infinia recently. My RM said earlier HDFC used to give both, but right now they're not giving Infinia and DCB both together and I've to upgrade my DCB

 

[1RC]

If you meet Infinia's NRV and earning/income conditions based on salary/ITR, I see no issues why you should not get infinia.

That said, if you don't then I really hope HDFC keeps up the wall high to not let Infinia devalue by adding in people simply based on just touching the bare minimum 8L limit criteria.

Sorry but after Magnus devaluation, I am just looking out for my interest and other Infinia members.