Infinia Query Regarding HDFC Infinia Upgrade

[Player456]

Hi Friends,

I currently have Regalia Gold credit card and I want to get upgraded to Infinia Credit card.

1. I have credit limit of 12.3 lakhs in my Regalia Gold credit card.
2. I have spent more than 8 lakhs in last 6 months
3. I have greater than 3 lakhs Net salary credited in HDFC salary account.

Will I be eligible for Infinia Credit card upgrade? Talked to RM regarding this but he said I am not eligible.

 

[varuntechno9]

try priority red team.

If they reject, then try pno.

Thanks for the response, do you have email id for priority red team?

 

[techstrom007]

ICICI effect is visible and they are upgrading cards with 6L spends, last quarter they were denying 8L spends as well. 🤣 🤣

 

[amitalpha]

ICICI effect is visible and they are upgrading cards with 6L spends, last quarter they were denying 8L spends as well. 🤣 🤣

Where are you seeing they agreed for the upgrade ? They are just reviewing , I wish they had already approved it. Don't jinx it man

 

[Sobirvs]

Where are you seeing they agreed for the upgrade ? They are just reviewing , I wish they had already approved it. Don't jinx it man

They agreed haha, like 99% is done, once the form goes in, if they see defaults or something, then only they deny otherwise it's a done deal.

 

[Sobirvs]

ICICI effect is visible and they are upgrading cards with 6L spends, last quarter they were denying 8L spends as well. 🤣 🤣

I'm trying for my brother with 8.5L CL and 5L spends last 6 months inc current outstanding.

They keep blocking the request by saying they will consider if salary slips/ITR is given. My brother's ITR is damn low, like 5-6L. He handles my mom's business. He alone does that as my mom is just in papers but she is a housewife so I am dodging their requests for ITR and haven't given the ITR. Should I?

 

[amitalpha]

I'm trying for my brother with 8.5L CL and 5L spends last 6 months inc current outstanding.

They keep blocking the request by saying they will consider if salary slips/ITR is given. My brother's ITR is damn low, like 5-6L. He handles my mom's business. He alone does that as my mom is just in papers but she is a housewife so I am dodging their requests for ITR and haven't given the ITR. Should I?

if you are able to increase the spends then I don't think Salary slips and ITR would matter, you yourself had confirmed this I guess. They are probably just asking as part of the process to check for multiple parameters.

 

[Sobirvs]

if you are able to increase the spends then I don't think Salary slips and ITR would matter, you yourself had confirmed this I guess. They are probably just asking as part of the process to check for multiple parameters.

I don't mind sharing ITR, but my brother would get real mad if basis on that not just they decline infinia but also decreases his credit limit. Hence I am trying not to share ITR. My brother wants infinia but he is not super high on infinia if it leads to CL decrease. He will really scold me for this.

Both red team and priority red team (after I esclated) are asking ITR.

 

[amitalpha]

I don't mind sharing ITR, but my brother would get real mad if basis on that not just they decline infinia but also decreases his credit limit. Hence I am trying not to share ITR. My brother wants infinia but he is not super high on infinia if it leads to CL decrease. He will really scold me for this.

Both red team and priority red team (after I esclated) are asking ITR.

I don't think there was ever a case where someone asked for an upgrade and got either decreased credit limit or impacted credit score. I won't worry about that.

 

[Sobirvs]

I don't think there was ever a case where someone asked for an upgrade and got either decreased credit limit or impacted credit score. I won't worry about that.

See this reply. I never ever asked credit limit increase in my previous requests. So how come Bhanu rekha is saying they will review credit limit assigned?

 

[creditcard25]

Hi Friends,

I currently have Regalia Gold credit card and I want to get upgraded to Infinia Credit card.

1. I have credit limit of 12.3 lakhs in my Regalia Gold credit card.
2. I have spent more than 8 lakhs in last 6 months
3. I have greater than 3 lakhs Net salary credited in HDFC salary account.

Will I be eligible for Infinia Credit card upgrade? Talked to RM regarding this but he said I am not eligible.

Went through a similar journey few days back , in the end email to pnohdfcbank@hdfcbank.com helped .. everyone else just kept telling no giving net 5L salary argument …

 

[vishp]

ICICI effect is visible and they are upgrading cards with 6L spends, last quarter they were denying 8L spends as well. 🤣 🤣

Interesting. Is there a thread/post by someone mentioning this?

 

[techstrom007]

Interesting. Is there a thread/post by someone mentioning this?

Yes there was one comment, but delete later. Someone got approval with 6L spends.

 

[Sobirvs]

Yes there was one comment, but delete later. Someone got approval with 6L spends.

I am trying for my brother, if it works, then 8.5L CL with 5L spends will be a new milestone. If not, then after 2 months these spends will be easily 9L, so surely then upgrade will happen.

 

[amitalpha]

Interesting. Is there a thread/post by someone mentioning this?

Basically , I did not mention how much my spend was exactly , i just focused on my relations with bank and its time they should value it. 😂

 

[amitalpha]

I am trying for my brother, if it works, then 8.5L CL with 5L spends will be a new milestone. If not, then after 2 months these spends will be easily 9L, so surely then upgrade will happen.

if that's possible then surely wait for the spend criteria to be fulfilled as you already meet the CL criteria , and hopefully someone other then Bhanu should take your case or you can also go through with RM at that point.

 

[techstrom007]

Basically , I did not mention how much my spend was exactly , i just focused on my relations with bank and its time they should value it. 😂

I also tried that as well and they denied upfront 🤣

10yr old imperia account with close to a cr deposits and 3L /annual salary miss from current criteria of 60L

So they don't value the relation until its over a Cr which is essentially a valid criteria now.

CC team didn't care if you are an existing hdfc customer or not.

For customers with good relations, the way is rm/bm and they need to get deviation approval before applying.

This was before ishop portal launch.

 

[amitalpha]

I also tried that as well and they denied upfront 🤣

10yr old imperia account with close to a cr deposits and 3L /annual salary miss from current criteria of 60L

So they don't value the relation until its over a Cr which is essentially a valid criteria now.

CC team didn't care if you are an existing hdfc customer or not.

For customers with good relations, the way is rm/bm and they need to get deviation approval before applying.

This was before ishop portal launch.

I would suggest you to try again once and follow the hierarchy , raise to priority redressal and when they deny , quote the request # to PNO and mention how it was insensitive and not a fair review. FYI This worked for someone on reddit before Ishop

 

[amitalpha]

ig

I also tried that as well and they denied upfront 🤣

10yr old imperia account with close to a cr deposits and 3L /annual salary miss from current criteria of 60L

So they don't value the relation until its over a Cr which is essentially a valid criteria now.

CC team didn't care if you are an existing hdfc customer or not.

For customers with good relations, the way is rm/bm and they need to get deviation approval before applying.

This was before ishop portal launch.

ignore my suggestion if you already got the card !

 

[techstrom007]

ig

ignore my suggestion if you already got the card !

I tired these one after another, once the previous one denied :-

- RM - didn't do anything for 3 month and keep asking me to wait while she get's the approval.
- customerservices.card - denied
- grievance.redressalcc - denied
- priorityredressal.creditcards - denied
- BM - denied after 6-7 mails to senior management for approval.
- RM Supervisor - She got approval once but didn't get the card, and eventually stopped responding to my calls & mails.
- RM Unit Head - no response
- RM Regional Head - no response
- Imperiabanking - forwarded the request to cc team

Now all below this in single shot :-
- pnohdfcbank (Sent 4 follow up mails, one every week - They didn't care to reply)
- sashi.jagdishan (MD Desk) (They replied but eventually denied at last, after 2 approval SR's got rejected)
- some other senior management people (BBH of region, Zonal Head - No response from anyone)

I mentioned my TRV , Family banking accounts and mentioned i will close everything.
I never received any reply from anyone but got a call that card is approved from local cc person. It took total of around 5 months.

 

[amitalpha]

I tired these one after another, once the previous one denied :-

- RM - didn't do anything for 3 month and keep asking me to wait while she get's the approval.
- customerservices.card - denied
- grievance.redressalcc - denied
- priorityredressal.creditcards - denied
- BM - denied after 6-7 mails to senior management for approval.
- RM Supervisor - She got approval once but didn't get the card, and eventually stopped responding to my calls & mails.
- RM Unit Head - no response
- RM Regional Head - no response
- Imperiabanking - forwarded the request to cc team

Now all below this in single shot :-
- pnohdfcbank (Sent 4 follow up mails, one every week - They didn't care to reply)
- sashi.jagdishan (MD Desk) (They replied but eventually denied at last, after 2 approval SR's got rejected)
- some other senior management people (BBH of region, Zonal Head - No response from anyone)

I mentioned my TRV , Family banking accounts and mentioned i will close everything.
I never received any reply from anyone but got a call that card is approved from local cc person. It took total of around 5 months.