Infinia NPSL feature clarification

[Sriim]

Hi,

Is there anyone here who has used the NPSL (No Pre Set Limit) feature on Infinia successfully?

Scenario - My cl is 8L, upcoming spend (education fees on college website, needs to be a single payment, so can't use multiple cards) is for 10.1L. I've read that Infinia has NPSL. I talked with customer care and they asked to initiate the request via RM. RM was clueless but he says he'll send the request.

So I have a few queries for my better understanding

1. Who does RM send the request to? If he flubs, I need to be able to guide him through the process
2. Customer care said it'll be done within 1-2 days. How will we know it has been activated? Do we get any notification? Does Mobile banking app/my cards show the increased limit under remaining limit?
3. Once activated, how long does it last?
4. I read a post where someone mentioned their Infinia to have been marked as NNPSL (i guess that's non no preset limit). Does such a variant exist? Where to see this marking?

Thanks

 

[Vasuki]

Credit card se charge card waah

 

[Hell_Kitty]

Hi,

Is there anyone here who has used the NPSL (No Pre Set Limit) feature on Infinia successfully?

Scenario - My cl is 8L, upcoming spend (education fees on college website, needs to be a single payment, so can't use multiple cards) is for 10.1L. I've read that Infinia has NPSL. I talked with customer care and they asked to initiate the request via RM. RM was clueless but he says he'll send the request.

So I have a few queries for my better understanding

1. Who does RM send the request to? If he flubs, I need to be able to guide him through the process
2. Customer care said it'll be done within 1-2 days. How will we know it has been activated? Do we get any notification? Does Mobile banking app/my cards show the increased limit under remaining limit?
3. Once activated, how long does it last?
4. I read a post where someone mentioned their Infinia to have been marked as NNPSL (i guess that's non no preset limit). Does such a variant exist? Where to see this marking?

Thanks

Since Infinia is Credit card and not charge card it has hard credit limit. So what you’re talking about seem to be is Overlimit Usage and not NPSL. You can request for Overlimit usage which increases your credit limit temporarily by 5-25% based on Banks Approval. But there is also a fees associated with it. To request Over limit login to mycards
>Manage Card > Services > Manage > Manage over limit usage.

Screenshot attached below for reference.

Mark it as solution if this helped you.

 

[_ayush]

Since Infinia is Credit card and not charge card it has hard credit limit. So what you’re talking about seem to be is Overlimit Usage and not NPSL. You can request for Overlimit usage which increases your credit limit temporarily by 5-25% based on Banks Approval. But there is also a fees associated with it. To request Over limit login to mycards
>Manage Card > Services > Manage > Manage over limit usage.

Screenshot attached below for reference.

Mark it as solution if this helped you.

NPSL is a feature of Infinia even though its not a charge card.

 

[noobdipesh]

..... ..... .....

 

[Hell_Kitty]

NPSL is a feature of Infinia even though its not a charge card.

I quickly read through Reddit few have said they have used it at no extra charges and limit is temporarily increased. Maybe a special privilege to Infinia CM

 

[_ayush]

I quickly read through Reddit few have said they have used it at no extra charges and limit is temporarily increased. Maybe a special privilege to Infinia CM

. . .

 

[Sriim]

Since Infinia is Credit card and not charge card it has hard credit limit. So what you’re talking about seem to be is Overlimit Usage and not NPSL. You can request for Overlimit usage which increases your credit limit temporarily by 5-25% based on Banks Approval. But there is also a fees associated with it. To request Over limit login to mycards
>Manage Card > Services > Manage > Manage over limit usage.

Screenshot attached below for reference.

Mark it as solution if this helped you.

Kindly refrain from making statements about things you are not aware of.

No offence intended.

 

[Sriim]

I went ahead and used the feature. It was a breeze

Here's the details

Infinia Thread 'NPSL/Temporary Limit Enhancement - A hidden boon for Infinia (& other HDFC credit card holders?) - FAQs'

Nov 21, 2024

A little background of my case is in this previous thread posted by me.

TLDR - Limit on my HDFC CC was 8L, needed to make a 10+L transaction on college website.

1. What is NPSL feature on Infinia (both PVC and metal)?
NPSL is short for No PreSet Limit. It means inspite of the ceiling of your credit limit (CL), you can temporarily increase your CL for a particular transaction or a series of transactions over a short period of time.

2. Is Infinia the only HDFC CC with NPSL feature?
Yes. Currently Infinia is the only HDFC CC advertised with this feature. (Non Infinia...

• Sriim
• credit card hdfc hdfc credit card infinia limit limit enhancement npsl
• Replies: 45
• Forum: HDFC Bank Credit Card

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