Reduce Limit for Infinia Card to below 5 Lacs

[CC_User_]

Due to nature of profile, I have been asked by my potential employer to reduce the credit limit on my Personal HDFC Infinia Card to ₹5,00,000 as a part of their internal compliance requirement as it is going to be my client. This compliance requirement is based on advisory of SEBI and NYSE. I have already written to HDFC Credit Card Support and am currently awaiting their response.

a. I would appreciate any suggestions on how to retain the Infinia Card even after the limit reduction. Specifically, Best way to communicate with HDFC’s retention/relationship team for a favorable outcome.

b. In case the Infinia Card cannot be retained, I am looking for the best credit card options from other banks (excluding Axis, ICICI, and HDFC Infinia), ideally cards that can be taken based on existing Infinia C2C conversion eligibility and offer premium benefits.

 

[Giyu-san]

Why should your employer have a say on your credit card limit?

 

[CC_User_]

Why should your employer have a say on your credit card limit?

In clients you can’t have exposure

 

[shu_sha_]

Is this card approved as part of corporate tie up?

 

[CC_User_]

Is this card approved as part of corporate tie up?

No. Still you can’t have any kind of loan or credit card from client due to nature of profile. I need support in reducing limit or suggestion on alternative card of banks other than HDFC, ICICI and Axis.

 

[tachniki]

In clients you can’t have exposure

So, employer has compliance issue with 8 but not with 5 L. This compliance things are nonsensical and sucks.

 

[tachniki]

No. Still you can’t have any kind of loan or credit card from client due to nature of profile. I need support in reducing limit or suggestion on alternative card of banks other than HDFC, ICICI and Axis.

Go with HSBC premier.

 

[CC_User_]

So, employer has compliance issue with 8 but not with 5 L. This compliance things are nonsensical and sucks.

SEBI and NYSE guideline. HDFC is listed in NYSE.

 

[tachniki]

May I ask what is your company profile? And above what position, this compliance is required? Just out of curiosity.

 

[Giyu-san]

In clients you can’t have exposure

Oh yes I understand. I think the only other cards are HSBC Premier and Amex Platinum. I won't recommend the latter through.

 

[Aniket Sharma]

May I ask what is your company profile? And above what position, this compliance is required? Just out of curiosity.

Whatever the profile & the company is, they should never enquiry in an employee credit cards usage & there loans, if they are digging that much, will they pay the loans if you have more than 5 lakhs of loans?

 

[tachniki]

Whatever the profile & the company is, they should never enquiry in an employee credit cards usage & there loans, if they are digging that much, will they pay the loans if you have more than 5 lakhs of loans?

Depends if compliance is for industry, company has no control on it. They have to follow to do business. 😔

 

[drsel]

No. Still you can’t have any kind of loan or credit card from client due to nature of profile. I need support in reducing limit or suggestion on alternative card of banks other than HDFC, ICICI and Axis.

Choose from my top 15 cards for 2026 and exclude the banks you cannot take credit cards from.