Infinia My Journey to Dual Infinia Metal Credit Card

[devsfinance]

Please provide referral in your company otherwise won’t even get a single Infinia(Or even DCB) 🙁. Seems like you have a great CP profile?

 

[johncena6969]

Please provide referral in your company otherwise won’t even get a single Infinia(Or even DCB) 🙁. Seems like you have a great CP profile?

My company isn't listed in HDFC's corporate tie-ups. I tried to apply for a personal loan through the bank but they denied for this reason that my company isn't listed with them. So, I don't think that's the reason for my current credit cards.

 

[devsfinance]

My company isn't listed in HDFC's corporate tie-ups. I tried to apply for a personal loan through the bank but they denied for this reason that my company isn't listed with them. So, I don't think that's the reason for my current credit cards.

I meant by virtue of salary amount. As am too in a similar boat as you were in 2020 I.e. (not enough salary for DCB)

 

[RDR]

@devsfinance
So are you able to earn more than 15k accelerated reward points now?

 

[devsfinance]

@devsfinance
So are you able to earn more than 15k accelerated reward points now?

Was this directed to me? I don’t have DCB or Infinia as of now.

 

[NikTravelEnthusiast]

Can you please explain how you are spending to get 15k RP? Which categories? Just to understand so that I can also try.

 

[RDR]

Was this directed to me? I don’t have DCB or Infinia as of now.

Sorry, it was meant for the OP - @johncena6969

 

[johncena6969]

Sorry, it was meant for the OP - @johncena6969

Yes. Earned ~16.5k accelerated points for Jan 2025 across both cards

 

[pankajshah]

Hi @johncena6969 - Two questions for you. I know this is not the right forum to discuss this but I am curious to know more about HFT.
Q1. I am options trader myself and work on scalping on 1min TF and also intraday at 5 min TF. I have heard about Jane Street and other HFT firms and I was planning to learn python and register myself for Quant Trading program. Would like to know, what course you did to get in (I am guessing you maybe from IIT / IIM with strong base in Maths / Quant / Statistics. My educational qualification is CA).

Q2. How did you get Adani One Signature LTF?

My card portfolio - HDFC DCB Metal (LTF) [plan to spend 8-10 lakhs and request for Infina Metal. Missed the opportunity to get Infinia Metal LTF when they upgraded their salary requirement to INR 5 lakhs net monthly].
Axis Select CC (LTF) - Have burgundy account [plan to get Magnus for Burdgundy before March. My RM has accepted the request will soon get the upgrade]
ICICI Sapphiro LTF - Got it through campaign [plan to get Emerald LTF through my Corporate Salary Account].

 

[johncena6969]

Hi @johncena6969 - Two questions for you. I know this is not the right forum to discuss this but I am curious to know more about HFT.
Q1. I am options trader myself and work on scalping on 1min TF and also intraday at 5 min TF. I have heard about Jane Street and other HFT firms and I was planning to learn python and register myself for Quant Trading program. Would like to know, what course you did to get in (I am guessing you maybe from IIT / IIM with strong base in Maths / Quant / Statistics. My educational qualification is CA).

Q2. How did you get Adani One Signature LTF?

My card portfolio - HDFC DCB Metal (LTF) [plan to spend 8-10 lakhs and request for Infina Metal. Missed the opportunity to get Infinia Metal LTF when they upgraded their salary requirement to INR 5 lakhs net monthly].
Axis Select CC (LTF) - Have burgundy account [plan to get Magnus for Burdgundy before March. My RM has accepted the request will soon get the upgrade]
ICICI Sapphiro LTF - Got it through campaign [plan to get Emerald LTF through my Corporate Salary Account].

Q1. B.Tech in Mathematics & Computing from IIT Delhi.
Q2. Was offered it on call by some customer service exec. Confirmed the LTF status before activating by emailing the bank's customer care.

 

[BhaiyaJi]

 

[devsfinance]

Hi @johncena6969 - Two questions for you. I know this is not the right forum to discuss this but I am curious to know more about HFT.
Q1. I am options trader myself and work on scalping on 1min TF and also intraday at 5 min TF. I have heard about Jane Street and other HFT firms and I was planning to learn python and register myself for Quant Trading program. Would like to know, what course you did to get in (I am guessing you maybe from IIT / IIM with strong base in Maths / Quant / Statistics. My educational qualification is CA).

Q2. How did you get Adani One Signature LTF?

My card portfolio - HDFC DCB Metal (LTF) [plan to spend 8-10 lakhs and request for Infina Metal. Missed the opportunity to get Infinia Metal LTF when they upgraded their salary requirement to INR 5 lakhs net monthly].
Axis Select CC (LTF) - Have burgundy account [plan to get Magnus for Burdgundy before March. My RM has accepted the request will soon get the upgrade]
ICICI Sapphiro LTF - Got it through campaign [plan to get Emerald LTF through my Corporate Salary Account].

Hi Pankaj, how you got DCB Metal LTF?

 

[theXfactor]

Hi everyone. Just wanted to share my journey to getting 2 Infinia Metal credit cards.

I started my first job (placed on campus) in October 2020 and applied for the regalia credit card as my salary was less than the requirement for diners black card at that time(1.75LPM). The regalia was approved with a limit of 5 lakhs.

In October 2021, I got a raise of 25% in my base salary and got my card upgraded to FYF diners black plastic version. Received auto limit enhancement once after 12 months from 5 lakhs to 5.1 lakhs(LOL). I switched my job in March 2023 with a salary hike of 100%. After 1.5 years in ~May 2023, I tried applying for Infinia through my RM but was denied citing internal criteria. I was frustrated at that point as I had spent close to 15L in the past 12 months on the card. I got in touch with the credit card area head of Gurgaon region who connected me to another RM. Tried applying again, but no luck. In October 2023, my primary RM offered the diners black metal card which I accepted due to the quarterly milestone benefit and higher daily and monthly capping for accelerated points.

In February 2024, I reached out to the second RM again and this time, the card was approved. First, he applied for limit increase from 5.1 to 8 lakhs. Once that was approved, he applied for the infinia metal upgrade on my current DCBM card. The whole process took around 1.5 months with multiple CIBIL hits.

Back then, I wasn't actively tracking credit card forums like technofino and reddit but after the infinia metal was approved, I started looking at them atleast once daily. That was when I got to know about the 2 routes for Infinia(spends and salary), the escalation matrix for HDFC credit cards and offerings by other banks. In June 2024, I requested for another limit enhancement on my current card to grievance redressal and they bumped it by 20% to 9.65 lakhs. They only asked for latest salary slips over email and it was done.

The current capping of 15k points per month was too low for me and in the last week of June 2024, I wrote another email to customer care for an additional Diners or Infinia credit card but I was denied initially. Kept escalating till priority redressal and was offered a priced DCBM card for which first year fees would've been waived for spends of 1.5 lakhs in 120 days. I was able to meet this criteria and the card was essentially free.

By December 2024, I was able to spend ~8 lakhs on the DCB Metal(4 lakhs in each quarter) and tried my luck to get the card upgraded to Infinia Metal by emailing the grievance redressal . I didn't mention anything regarding my first infinia card. A week later, the upgrade was approved and the card was delivered to me within 2 days after the approval. This time, the process was quite smooth and no CIBIL hit.

I have no relationship with the bank apart from my salary account and an FD of 1 lakh for a safety deposit locker. HDFC has been quite generous to me in the past year or so and I might push for a third infinia via the same process if the current 30k monthly cap seems too low 😛. For now, I'm quite satisfied with my current card portfolio covering almost all categories of spends. I currently hold 2 infinia metal(both FYF), 1 tata neu infinity(FYF), 1 Swiggy HDFC(LTF), Axis Atlas(Paid), ICICI Sapphiro(LTF under alumni programme), ICICI Adani One Signature(LTF), Amex Platinum Travel.

I stopped checking out the reddit forum about 3-4 months ago due to the surge of low quality posts but have been actively following the content here. This forum has been quite helpful with respect to any and every credit card query of mine. Shout out to the community and the members managing this forum and moderating the content to maintain the quality. Cheers

Great feat! You must be among just 2-3 people in the entire nation holding 2 Infinias or perhaps the only one. 😛
I would probably choose DCBM to be my second card, Infinia M + DCBM combo for several reasons.

 

[johncena6969]

Great feat! You must be among just 2-3 people in the entire nation holding 2 Infinias or perhaps the only one. 😛
I would probably choose DCBM to be my second card, Infinia M + DCBM combo for several reasons.

I had several issues with DCBM:
1. Redemption options limited to flights/hotels only.
2. International acceptance. Even in places where it was accepted, the conversion rate was worse compared to visa/mastercard.
3. gyftr accelerated rewards 3x vs 5x
4. And the higher monthly cap. Helped me with booking international flights for multiple people with the same PNR

 

[pankajshah]

Hi Pankaj, how you got DCB Metal LTF?

Got it along with my Corporate salary account. I was actually late by just 15 days, as this was applied in mid October 2024. Otherwise , I was eligible for Infinia Metal LTF. HDFC changed the salary requirements and other rules at start of October 2024.

 

[theXfactor]

I had several issues with DCBM:
1. Redemption options limited to flights/hotels only.
2. International acceptance. Even in places where it was accepted, the conversion rate was worse compared to visa/mastercard.
3. gyftr accelerated rewards 3x vs 5x
4. And the higher monthly cap. Helped me with booking international flights for multiple people with the same PNR

Yes, and these are the reasons why people upgrade their DCB to Infinia and never the other way round. Given your expenses, I'm sure 2 Infinias is what you prefer.

For my needs, I'd prefer DCBM as my second card because of it's amazing lounge network and milestone benefits in case of offline expense or online non-gyftr expenses. 10K/Qtr additional points is nice to have. I have never seen DCB getting declined at lounges, it works even where PP/DP doesn't get accepted. If not DCBM, then BizBlack but one of these. In some cases, BIzBlack as second card is even better as it would give you almost all DCBM features and rewards on expenses which are covered by neither Infinia nor DCB such as taxes, govt. spends etc. It fills up the gap that likes of Inifinia leaves. For majority of my regular expenses my Infinia and add-ons suffice.

 

[P3T3R_GOA]

What's the purpose of having 2 Infinia cards? And what's the difference between the 2 cards?

 

[Cardzmania]

Hi @johncena6969 - Two questions for you. I know this is not the right forum to discuss this but I am curious to know more about HFT.
Q1. I am options trader myself and work on scalping on 1min TF and also intraday at 5 min TF. I have heard about Jane Street and other HFT firms and I was planning to learn python and register myself for Quant Trading program. Would like to know, what course you did to get in (I am guessing you maybe from IIT / IIM with strong base in Maths / Quant / Statistics. My educational qualification is CA).

Q2. How did you get Adani One Signature LTF?

My card portfolio - HDFC DCB Metal (LTF) [plan to spend 8-10 lakhs and request for Infina Metal. Missed the opportunity to get Infinia Metal LTF when they upgraded their salary requirement to INR 5 lakhs net monthly].
Axis Select CC (LTF) - Have burgundy account [plan to get Magnus for Burdgundy before March. My RM has accepted the request will soon get the upgrade]
ICICI Sapphiro LTF - Got it through campaign [plan to get Emerald LTF through my Corporate Salary Account].

I have couple of questions as well. Consider me as a newbie in CC universe, but interested in LTF premium CC......
1. What should be the salary range (Net salary before Tax, PF etc deduction) to get qualified for DCB (LTF)?
2. What should be salary range (Net salary before Tax, PF etc deduction) to get Magnus for burgundy CC (LTF)?
3. Did you get DCB & M4B based on salary account or normal saving account, I am confused because you have mentioned "[plan to get Emerald LTF through my Corporate Salary Account]."

Looking forward for your response, which will help me to get my 1st premium LTF CC. Thanks...