Infinia My HDFC card journey from Regalia First to Infinia

[sanzz]

Hello everyone,
I am sharing my journey of hdfc cards .

In year 2017 May, I applied for Regalia First as this was one of the mid segment card which was offering international lounge access even for add on cards through PP ( no spend tnc back then ). applied this card only for lounge access for the add on, as an international trip was upcoming.

Initial CL - 2Lac . Total spends - 90k-1lac

Dec 2017 - CLI to 2.6 Lac.. Total spends 1.10 lac

Jul 2018 - CLI to 4 lac - Total Spends - 20k

Oct 2018- CLI to 4.3 lac and upgrade to Regalia - Total spends 1.10la

Nov 2019- CLI to 5.16 lac - Total Spends 1.10 lac

Nov 2020- CLI to 6.19 lac - Total Spends 1.05 Lac

Regalia First and Regalia was LTF

Jan 2021 - was offered LTF DCB but missed to avail the offer as was in doubt about the cashback expected on the Regalia and customer care was clueless.
Missed the bus
Thereafter mailed to grievances and priority redressal to have the same offer again but they were only offering DCB as FYF ... didn't take

Jan 2022- CLI to 7.42 Lac Regalia - 3.80Lac Total spends

Aug 2022 - CLI to 8.88 lac - Total spends 1.85 Lac


Again wrote to priority and grievances to upgrade to LTF DCB but they didn't agreed, finally in Nov 2022 I opted for FYF DCB.

Aug 2023- CLI to 10.38 lac on DCB plastic.. Total spends less than 10 K (received the activation offer then only used)
since from Jan 2023 I got Magnus and completely devoted in completing it's monthly milestone target.

I was about to close the DCB plastic as didn't wanted to pay the renewal fee due in Nov'23 and then one lucky day I got the upgrade offer to FYF DCB metal in Oct 2023 ..so took it as Magnus was devalued and StanC ultimate closed.

After reading through the forum I learnt that limit of 10 lac plus and spend of 7.5lac plus in 6 months makes an eligible case for upgrade to Infinia.
So from Nov 2023 to Feb 2024- did big spends not entirely mine ..total of 8.5lac plus ..hit the quarterly milestone twice ..

So one fine day I again wrote to the priority redressal asking for upgrade to Infinia citing DCB acceptability issue ( did attached some failed transaction screenshots) and to my surprise I was declined the Infinia upgrade. Was asked to provide more details on the failed transactions, where what how blah blah..
I was so confident about the upgrade as I met the spend and limit criteria.

I think they didn't looked into my unbilled spends (3lac plus) only counted the billed one 5.5lac plus .. so immediately wrote to them CC d grievances, PNO , saying these would be the last spends you would see on my card ..transferring all my banking relationship to the Axis Bank and Magnus card ( I don't have a Bank account with HDFC and have closed Magnus already )

Next day got priority redressal reply that they are fine upgrading this to FYF Infinia . So I took it. Not sure if Ill meet the fee waiver criteria of 10 lac spends in the next anniversary year but won't mind paying that extra 2250 towards GST.

Awaiting the card dispatch

Thanks for reading the long post only wanted to share my journey.

 

[infinia_finally]

Hello everyone,
I am sharing my journey of hdfc cards .

In year 2017 May I applied for Regalia First as this was one of the mid segment card which was offering international lounge access even for add on cards through PP ( no spend tnc back then ). applied this card only for lounge access for the add on, as an international trip was upcoming.
CL was 2Lac . Annual spends - 2-3lac

Dec 2017 - CLI to 2.6 Lac.. Annual spends 2-3 lac

Jul 2018 - CLI to 4 lac - Annual Spends - 3-4 lac

Oct 2018- CLI to 4.3 lac and upgrade to Regalia - Annual spends 3-4 lac

Nov 2019- 5.16 lac - Annual Spends 3-4 lac

Nov 2020- 6.19 lac - Annual Spends 3-4 lac

Jan 2021 - was offered LTF DCB but missed to avail was in doubt about the cashback expected on the Regalia and customer care was clueless.
Missed the bus
Thereafter mailed to grievances and priority redressal to have the same offer again but they were only offering DCB as FYF ... didn't take
Jan 2022- CLI to 7.42 Lac Regalia - 4-5 lac annual spends
Aug 2022 - CLI to 8.88 lac - Annual spends 4-5 lac


Again wrote to priority and grievances to upgrade to LTF DCB but they didn't agree finally in Nov 2022 I opted for FYF DCB.

Aug 2023- CLI to 10.38 lac on DCB plastic.. Annual spends less than 1lac
.since from Jan 2023 I got Magnus

I was about to close the DCB plastic as didn't wanted to pay the renewal fee and then I see that have been offered FYF DCB metal in Oct 2023 ..so took it as Magnus was devalued and StanC ultimate closed.

After reading through the forum I learnt that limit of 10lac plus and spend of 7.5lac plus in 6 months make an eligible case for upgrade to Infinia.
So from Nov 2023 to Feb 2024- did big spends not entirely mine ..total of 8.5lac plus ..hit the quarterly milestone twice ..

So one fine day I again wrote to the priority redressal and to my surprise I was declined the Infinia upgrade.
I was so confident about the upgrade as met the spend and limit criteria.

I think they didn't looked into my unbilled spends (3lac plus) only counted the billed one 5.5lac plus .. so again wrote to them CC d grievances PNO , saying these would be the last spends you would see on my card ..transferring all my banking relationship to the Axis Bank and Magnus card ( I don't have a Bank account with HDFC and have closed Magnus already )

Next day got priority redressal reply that they are fine upgrading this to FYF Infinia . So I took it. Not sure if Ill meet the fee waiver criteria of 10 lac spends in the next anniversary year but won't mind paying that extra 2250 towards GST.

Awaiting the card dispatch

Thanks for reading the long post only wanted to share my journey.

Congratulations. Very well played

 

[vine]

Next day got priority redressal reply that they are fine upgrading this to FYF Infinia . So I took it. Not sure if Ill meet the fee waiver criteria of 10 lac spends in the next anniversary year but won't mind paying that extra 2250 towards GST.

Congratulations on receiving the card!

What do you get when you pay for yearly fees? Is it Amazon vouchers or rewards potions?

 

[am322]

What do you get when you pay for yearly fees? Is it Amazon vouchers or rewards potions?

Reward points worth 12,500

 

[s4more]

@sanzz Well done on your journey.

 

[rafzy]

I too emailed Grievance Redressal HDFC and guess what... they declined straight up says internal policies.

 

[Vasuki]

Hello everyone,
I am sharing my journey of hdfc cards .

In year 2017 May, I applied for Regalia First as this was one of the mid segment card which was offering international lounge access even for add on cards through PP ( no spend tnc back then ). applied this card only for lounge access for the add on, as an international trip was upcoming.
CL was 2Lac . Annual spends - 2-3lac

Dec 2017 - CLI to 2.6 Lac.. Annual spends 2-3 lac

Jul 2018 - CLI to 4 lac - Annual Spends - 3-4 lac

Oct 2018- CLI to 4.3 lac and upgrade to Regalia - Annual spends 3-4 lac

Nov 2019- CLI to 5.16 lac - Annual Spends 3-4 lac

Nov 2020- CLI to 6.19 lac - Annual Spends 3-4 lac

Regalia First and Regalia was LTF

Jan 2021 - was offered LTF DCB but missed to avail the offer as was in doubt about the cashback expected on the Regalia and customer care was clueless.
Missed the bus
Thereafter mailed to grievances and priority redressal to have the same offer again but they were only offering DCB as FYF ... didn't take

Jan 2022- CLI to 7.42 Lac Regalia - 4-5 lac annual spends
Aug 2022 - CLI to 8.88 lac - Annual spends 4-5 lac


Again wrote to priority and grievances to upgrade to LTF DCB but they didn't agreed, finally in Nov 2022 I opted for FYF DCB.

Aug 2023- CLI to 10.38 lac on DCB plastic.. Annual spends less than 1lac
. since from Jan 2023 I got Magnus and completely devoted in completing it's monthly milestone target.

I was about to close the DCB plastic as didn't wanted to pay the renewal fee due in Nov'23 and then one lucky day I got the upgrade offer to FYF DCB metal in Oct 2023 ..so took it as Magnus was devalued and StanC ultimate closed.

After reading through the forum I learnt that limit of 10 lac plus and spend of 7.5lac plus in 6 months makes an eligible case for upgrade to Infinia.
So from Nov 2023 to Feb 2024- did big spends not entirely mine ..total of 8.5lac plus ..hit the quarterly milestone twice ..

So one fine day I again wrote to the priority redressal asking for upgrade to Infinia citing DCB acceptability issue ( did attached some failed transaction screenshots) and to my surprise I was declined the Infinia upgrade. Was asked to provide more details on the failed transactions, where what how blah blah..
I was so confident about the upgrade as I met the spend and limit criteria.

I think they didn't looked into my unbilled spends (3lac plus) only counted the billed one 5.5lac plus .. so immediately wrote to them CC d grievances, PNO , saying these would be the last spends you would see on my card ..transferring all my banking relationship to the Axis Bank and Magnus card ( I don't have a Bank account with HDFC and have closed Magnus already )

Next day got priority redressal reply that they are fine upgrading this to FYF Infinia . So I took it. Not sure if Ill meet the fee waiver criteria of 10 lac spends in the next anniversary year but won't mind paying that extra 2250 towards GST.

Awaiting the card dispatch

Thanks for reading the long post only wanted to share my journey.

Took whole 6 yrs 😳😳

 

[sanzz]

Took whole 6 yrs 😳😳

Yeah but I was never after the Infinia.

My expenses was limited on cards and since 2016 using Amex gold and 2 MRCs. In 2022-2023 got Axis Vistara , SBI Vistara and Magnus .. so was completing the Magnus and Vistara milestones. Didn't try for Infinia back then. Had Apay, StanC Ultimate card (3.33% return on everything), IDFC Wealth as well so really didn't felt the need.
Also was not into the milestone game, it is only after taking Magnus I got interested in it.

After the Magnus devaluation I was in look out of one card for the accelerated rewards points and partner transfer so hence Infinia.

My usage strategy going fwd will be
Amex MRCs(2) + Gold (18k spends for milestone)
IDFC wealth(LTF)- For movie offer and IRCTC lounges , ICICI Apay (LTF), ICICI Coral LTF ( For railway lounges) , ICICI Sapphiro LTF ( for movie offer), Axis Flipkart LTF (will close most likely) , CITI IOCL LTF ( will close)
Infinia - all other spends post the Amex milestone target
SBI Vistara and Axis Vistara( kept it for complementary Ticket and upgrade vouchers only)

I don't think I will meet the fee waiver criteria of Infinia but won't mind paying extra 2250 GST for the accelerated rewards on smartbuy and unlimited lounge access.

 

[s4more]

Yeah but I was never after the Infinia.

This. Good things take time. Everybody seems to be wanting instant Infinia LTF within a year.

 

[Prav]

Is the card approved or is there still any checks left , coz its not showing in app yet
Please someone help?

 

[Vasuki]

Is the card approved or is there still any checks left , coz its not showing in app yet
Please someone help?

😁😁 Text them on twitter they will confirm

 

[clark_kent]

Is the card approved or is there still any checks left , coz its not showing in app yet
Please someone help?

Your card is approved.

 

[Prav]

Your card is approved.

Yes received today