Regalia Customer looking for Infinia Card

[shantanu]

Hey Everyone,
I have Regalia card (4L limit), MoneyBack card (4.18L limit), Amazon Pay (5.20L limit) and Amex Smart Earn (8.20L Limit). I am salaried employee in private organisation with a net salary of 2.5L per annum. I tried with HDFC to upgrade my existing Regalia Card to Infinia. Bank directly denied. On the second try, I have asked to at-least enhance my limit. Bank responded back with only 15k increase. I had spent around 18L in Regalia from Jan 2022 as of Sept. Is it possible that Bank will upgrade my card in 2023?

HDFC Regalia - Got it in Jan 2022
HDFC Money Back - Got it in March 2019 (They offered an upgrade to Regalia in 2020, But i denied)
Amex - Feb 2021
Amazon Pay - March 2020

 

[Altamash06]

You card have atleast 10 lac limit to upgrade in Infinia.

 

[shantanu]

I stopped using MoneyBack card completely. Does that also impact my credit increase request? Does bank consider like "You already have 4+4.18 which is sufficient"? Is it advised to close that card? On side note, During Ganesh Chathurthi, Bank had given me offer again to upgrade to Regalia from Money Back.

 

[Altamash06]

i also had regalia with a limit of 4.48 lac. i had to wait around 14 months to get limit enhancement offer and now they increased it to 5.37 lac and after 3 months i had requested to upgrade my Regalia to DCB with upgradation form and email them to greveiance redressal in 7 days they upgraded my card to Diners black and now i am waiting they should increase my limit to 10 lacs so i can upgrade it to infinia. Goods things take time.

 

[Akshay9512]

i also had regalia with a limit of 4.48 lac. i had to wait around 14 months to get limit enhancement offer and now they increased it to 5.37 lac and after 3 months i had requested to upgrade my Regalia to DCB with upgradation form and email them to greveiance redressal in 7 days they upgraded my card to Diners black and now i am waiting they should increase my limit to 10 lacs so i can upgrade it to infinia. Goods things take time.

Will the DCB upgrade LTF?

 

[Altamash06]

No But First year free as i don't want a LTF cause my monthly spends are nearly 2-3 lacs

 

[Akshay9512]

No But First year free as i don't want a LTF cause my monthly spends are nearly 2-3 lacs

Okay. I you are a graduate from a premium undergrad school or B-school, it is actually LTF.