From HDFC Rejection to Infinia: A 1.5-Year Journey
1. Rejection
In mid-2021, I was offered a pre-approved HDFC Business MoneyBack credit card. Confidently applied, but it was rejected. A reality check.
2. New Start: Paytm Select
On 22nd September 2022, I applied for the HDFC Paytm Select credit card. It was approved with a ₹2 lakh limit. Started using it responsibly to build credibility.
3. Credit Limit Upgrade
In July 2023, I requested a limit increase based on my ITR. HDFC approved a massive jump from ₹2 lakhs to ₹8 lakhs. A 6-lakh boost!
4. Infinia Offer
After the limit upgrade, HDFC informed me I was eligible for Infinia. However, I delayed applying as I had already spent enough on Paytm Select to waive its annual fee.
5. Why Infinia?
On 4th September before I requested them to upgrade my card to INFINIA , @jack333 explained Infinia’s unique perks—1:1 redemption ratio for Tanishq vouchers and Apple products, plus unmatched travel and lifestyle privileges.
6. Final Upgrade
With DCB already in my family, upgrading to Infinia became the next logical step once I understood its true value.
Key Takeaways:
ChatGPT has been used to write this.
Edit #1: Just received the card.
Edit #2: I have edited the post to be to the point and have shortened it.
1. Rejection
In mid-2021, I was offered a pre-approved HDFC Business MoneyBack credit card. Confidently applied, but it was rejected. A reality check.
2. New Start: Paytm Select
On 22nd September 2022, I applied for the HDFC Paytm Select credit card. It was approved with a ₹2 lakh limit. Started using it responsibly to build credibility.
3. Credit Limit Upgrade
In July 2023, I requested a limit increase based on my ITR. HDFC approved a massive jump from ₹2 lakhs to ₹8 lakhs. A 6-lakh boost!
4. Infinia Offer
After the limit upgrade, HDFC informed me I was eligible for Infinia. However, I delayed applying as I had already spent enough on Paytm Select to waive its annual fee.
5. Why Infinia?
On 4th September before I requested them to upgrade my card to INFINIA , @jack333 explained Infinia’s unique perks—1:1 redemption ratio for Tanishq vouchers and Apple products, plus unmatched travel and lifestyle privileges.
6. Final Upgrade
With DCB already in my family, upgrading to Infinia became the next logical step once I understood its true value.
Key Takeaways:
- Use cards responsibly to build trust with banks.
- Credit limit upgrades are key for premium card eligibility.
- Study card benefits before upgrading to ensure it aligns with your spending pattern.
ChatGPT has been used to write this.
Edit #1: Just received the card.
Edit #2: I have edited the post to be to the point and have shortened it.
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