Infinia Regalia To Infinia Experience

[PreciousTincture]

Hey everyone, just sharing my experience ( in brief ) about getting Infinia in short period:

1) HDFC Regalia :
I got this as my first credit card an year ago ( 5L limit ) , barely used it for an year. and then realised how lucrative some of these rewards systems can be. Got Axis cards ( Magnus, Atlas ) and planned to get Infinia.

2) Upgraded To DCB:
I emailed the Grievance Redressal with upgrade form and asked them for Upgrade+LE .They quickly upgraded my card to DCB . in a week.

3) LE:
Since LE was ignored in last email, I pinged them again for LE with ITR Docs, they offered 2x ( 10L total limit ) I accepted. fast. in a week

4) Upgrade To Infinia:
After using DCB for a few months, I emailed them for Infinia just because i was meeting all the criteria ( 7.5 lakhs spends in 6mo, 10L limit, substantial ITR ). they took way too long this time. 1.5 months. kept delaying it every week. but finally they upgraded it.

PS: I feel like DCB is also a solid card if one can spend 5L ( which should be easy to achieve ) and provides same base reward rate as Infinia . Also DCB has a better Lounge Network. only issue is the daily cap.

 

[nrj1007]

Hey everyone, just sharing my experience ( in brief ) about getting Infinia in short period:

1) HDFC Regalia :
I got this as my first credit card an year ago ( 5L limit ) , barely used it for an year. and then realised how lucrative some of these rewards systems can be. Got Axis cards ( Magnus, Atlas ) and planned to get Infinia.

2) Upgraded To DCB:
I emailed the Grievance Redressal with upgrade form and asked them for Upgrade+LE .They quickly upgraded my card to DCB . in a week.

3) LE:
Since LE was ignored in last email, I pinged them again for LE with ITR Docs, they offered 2x ( 10L total limit ) I accepted. fast. in a week

4) Upgrade To Infinia:
After using DCB for a few months, I emailed them for Infinia just because i was meeting all the criteria ( 7.5 lakhs spends in 6mo, 10L limit, substantial ITR ). they took way too long this time. 1.5 months. kept delaying it every week. but finally they upgraded it.

PS: I feel like DCB is also a solid card if one can spend 5L ( which should be easy to achieve ) and provides same base reward rate as Infinia . Also DCB has a better Lounge Network. only issue is the daily cap.

How much ITR is needed for 10 lakhs limit? Can you give a ballpark figure?

 

[imdjay]

Hey everyone, just sharing my experience ( in brief ) about getting Infinia in short period:

1) HDFC Regalia :
I got this as my first credit card an year ago ( 5L limit ) , barely used it for an year. and then realised how lucrative some of these rewards systems can be. Got Axis cards ( Magnus, Atlas ) and planned to get Infinia.

2) Upgraded To DCB:
I emailed the Grievance Redressal with upgrade form and asked them for Upgrade+LE .They quickly upgraded my card to DCB . in a week.

3) LE:
Since LE was ignored in last email, I pinged them again for LE with ITR Docs, they offered 2x ( 10L total limit ) I accepted. fast. in a week

4) Upgrade To Infinia:
After using DCB for a few months, I emailed them for Infinia just because i was meeting all the criteria ( 7.5 lakhs spends in 6mo, 10L limit, substantial ITR ). they took way too long this time. 1.5 months. kept delaying it every week. but finally they upgraded it.

PS: I feel like DCB is also a solid card if one can spend 5L ( which should be easy to achieve ) and provides same base reward rate as Infinia . Also DCB has a better Lounge Network. only issue is the daily cap.

Kindly mention your ITR. If not exact- at least in a range.

 

[PreciousTincture]

Kindly mention your ITR. If not exact- at least in a range.

To ballpark : 40 LPA+

 

[bonheur]

@PreciousTincture Did you get a hard CIBIL hit when you sent ITR docs for LE?

 

[Noctis7]

The 10l limit on an existing card + 6 months spending criteria (around 7l or more) are the main requirements for an upgrade. For those fullfilling these there is a high chance of getting the card even as a pre approved offer on netbanking.

 

[ank_sh1]

Hey everyone, just sharing my experience ( in brief ) about getting Infinia in short period:

1) HDFC Regalia :
I got this as my first credit card an year ago ( 5L limit ) , barely used it for an year. and then realised how lucrative some of these rewards systems can be. Got Axis cards ( Magnus, Atlas ) and planned to get Infinia.

2) Upgraded To DCB:
I emailed the Grievance Redressal with upgrade form and asked them for Upgrade+LE .They quickly upgraded my card to DCB . in a week.

3) LE:
Since LE was ignored in last email, I pinged them again for LE with ITR Docs, they offered 2x ( 10L total limit ) I accepted. fast. in a week

4) Upgrade To Infinia:
After using DCB for a few months, I emailed them for Infinia just because i was meeting all the criteria ( 7.5 lakhs spends in 6mo, 10L limit, substantial ITR ). they took way too long this time. 1.5 months. kept delaying it every week. but finally they upgraded it.

PS: I feel like DCB is also a solid card if one can spend 5L ( which should be easy to achieve ) and provides same base reward rate as Infinia . Also DCB has a better Lounge Network. only issue is the daily cap.

By grievance redressal, do you mean from this link: https://leads.hdfcbank.com/applications/webforms/apply/HDFC_CustomerCenter/Customer_Center.aspx

If not can you please help with the grievance email address, whenever I talk on customer care, they just say to post the signed form to Chennai address.

 

[PreciousTincture]

By grievance redressal, do you mean from this link: https://leads.hdfcbank.com/applications/webforms/apply/HDFC_CustomerCenter/Customer_Center.aspx

If not can you please help with the grievance email address, whenever I talk on customer care, they just say to post the signed form to Chennai address.

here you go : grievance.redressalcc@hdfcbank.com

 

[PreciousTincture]

@PreciousTincture Did you get a hard CIBIL hit when you sent ITR docs for LE?

nope nothing bro.

 

[Sriky]

How much ITR is needed for 10 lakhs limit? Can you give a ballpark figure?

How was your experience with online and offline spends using DCB?
Read multiple threads stating poor acceptance of DCB.

PS: I have a Regalia (LTF) with CL of 5L and want to upgrade to DCB based on the CL criteria

 

[nrj1007]

How was your experience with online and offline spends using DCB?
Read multiple threads stating poor acceptance of DCB.

PS: I have a Regalia (LTF) with CL of 5L and want to upgrade to DCB based on the CL criteria

Acceptability is good now in India, I can remember only 1 instance when it was not accepted on some govt services for driving licence website if I remember correctly. Whereas, I have faced low acceptability in US.

 

[KraBalu]

I didnt had to much spoends on regalia instead i started spending more on Tata Neu infinity card also i have good salary , long relationship with HDFC bank. Since Regalia became crap i started asking them Infinia but the grevience redressel denied stating conditions not met.

then today RM called me - i asked him the same why the loyal custimers wont get , he stated aagain conditiosn has to be met.. i said to him to consider and apporve so that i can stop using all other cards.

He looped in a product manager to have some investment plan to get the Infinia card approved.

hdfc sanchay par advantage- yearly 1.2L investment , the plan loks decent but we can earn more if we start investing in direct ETF;'s.

Is a good deal to buy an investment plan, since i m looking for super premium card?
and this kind of promises ara valid ? he assured me he will get it done or you will have option to cancel plan within 15 days.

Need the inputs from you guys..

 

[adi]

I didnt had to much spoends on regalia instead i started spending more on Tata Neu infinity card also i have good salary , long relationship with HDFC bank. Since Regalia became crap i started asking them Infinia but the grevience redressel denied stating conditions not met.

then today RM called me - i asked him the same why the loyal custimers wont get , he stated aagain conditiosn has to be met.. i said to him to consider and apporve so that i can stop using all other cards.

He looped in a product manager to have some investment plan to get the Infinia card approved.

hdfc sanchay par advantage- yearly 1.2L investment , the plan loks decent but we can earn more if we start investing in direct ETF;'s.

Is a good deal to buy an investment plan, since i m looking for super premium card?
and this kind of promises ara valid ? he assured me he will get it done or you will have option to cancel plan within 15 days.

Need the inputs from you guys..

Go ahead with the investment plan n get infinia after getting infinia within 15 days cancel the plan.
You got infinia without investment.
Rm will be unhappy but who cares.
Ezz hack

 

[KraBalu]

instead of that i would ask them to have different plan.

 

[kvndsz512]

instead of that i would ask them to have different plan.

what different plan?

 

[frezcoop]

To ballpark : 40 LPA+

Is this with 1 job or 2 jobs

 

[SSV]

Is this with 1 job or 2 jobs

Probably 1/2 job !!

 

[Heisenberg37]

Need some Help!!

i am trying to upgrade my MB+ to regalia gold.
card is 6 months old with 3 lac limit
spends around 10L

I mailed their grievance team and they raised a service request
Does this mean it will get upgraded?
What’s the probability after that?
I mean if they had to refuse they would have directly regretted
@S S V @Walter White

 

[partritronix]

The 10l limit on an existing card + 6 months spending criteria (around 7l or more) are the main requirements for an upgrade. For those fullfilling these there is a high chance of getting the card even as a pre approved offer on netbanking.

If relationship with bank is good, 8L Limit also sufficient to get infinia.