Infinia Regalia to Infinia Upgrade (Query)

[Ayush_]

Not yet approved bro.
I had over 30L funds which i moved as they rejected earlier, recently my RM was changed. She is saying, she will get the approval. Mine is Salary + Imperia account.

Here I'm trying to get Infinia with account balance of Rs 2000 😂 and Preferred Banking Relationship. They outrightly declined and said max they'll offer DCB with FYF.

 

[PavanPavan is verified member.]

For me i submitted form to Chennai on 6th friday got delivered on monday 8th and i was able to see card by next monday...it was full holiday week for me
Idelly they will not take more than 5 wokring days

 

[elite34700]

I had a chat with my RM just now. She said BBH approval is there and is required for eligibility deviation.

Then its sorted.

 

[elite34700]

Do you need further approvals if you already meet all the criteria? i.e. Salary criteria, spends criteria and credit limit of existing card?

Nope, its a straight case.

 

[PavanPavan is verified member.]

i agree with @elite34700 if it's a special approval your RM should take care
The team which process the application wouldn't have access to approval

One of my friend DCB application was rejected for same and later got it approved through escalations
Better send a note to RM

 

[sidp]

My friend 2 degrees mean Cluster head and Circle head as far as I can understand, Circle heads report to BBH. It should be 3 degree ideally removing BM, include BM it will be 4 degree.

@Gaurav_96 In hdfc this is the hierarchy
Bm<cluster head<circle head<=zonal head< group head<branch banking head.

In some cases circle head & zonal head are the same person.

Earlier group head approval was enough for fyf dcb/infinnia, bbh approval was needed for ltf. But recently they have changed it.

 

[jonamdhar]

Is anyone receiving LTF Infinia anymore?

 

[elite34700]

@Gaurav_96 In hdfc this is the hierarchy
Bm<cluster head<circle head<=zonal head< group head<branch banking head.

In some cases circle head & zonal head are the same person.

Earlier group head approval was enough for fyf dcb/infinnia, bbh approval was needed for ltf. But recently they have changed it.

BBH reports to GH , GH is the highest authority who can approve an LTF.

 

[sidp]

BBH reports to GH , GH is the highest authority who can approve an LTF.

Is it? Last year they made a Khichdi after merger. The way bm & cluster head were talking, I thought bbh is higher post.

Though you could be right as last Yr they got 2 bbh as per regions. Now that no is even higher.

 

[Centurion_wala]

source, promo, and LG code

Hey @elite34700 Can you explain what these all are?

 

[sidp]

Hey @elite34700 Can you explain what these all are?

In every form & promotional schemes there are promo code, pricing code etc. You don't have to worry about rm/sm will fill these.

Ex

 

[Paradjanov]

Is anyone receiving LTF Infinia anymore?

A few still are, apparently. I recently got my Infinia FYF (though I had rejected exactly the same offer 3 years earlier).

As I understand, LTF Infinia is offered to only to three categories of people:

(i) Genuinely very lucrative customers to the bank (who the banks deems that it needs them more than they need the bank),
(ii) Absolutely new or almost-new customers to the bank, who perhaps don’t even desire Infinia (let alone have a need for it),
(iii) People who have good contacts in the bank – extremely benevolent RMs, in particular.

None else.

 

[Paradjanov]

It was great before (I had put in close to 50 lakhs last year), but RM did not value it, so I moved the funds out of my account. This time I proposed to put 70 lakhs into FDs, but she again tried to sell me investment plans (Tata AIA). I got furious and told her that I would move my funds to IDFC Bank, as they were ready to offer me private banking. She still didn't value me and thought I was joking. I moved out 10 lakhs one fine day, and the next day I received a call from her, and I told her that I was closing my account this week and would ask my family to close as well (my sister and father are also Imperia customers). She requested that I wait for a week until she gets all the required approvals for the Infinia upgrade.

The day before yesterday, she called to say that all approvals are in place and you will get the card soon. Then I thought I wouldn't have to do anything and should see Infinia in net banking soon. Then this morning, I received an email where I was asked to fill out an upgrade form and ship it.

At least your RM is a human; who call feel, think, act and be forewarned about loss of business.

My RM is just like a stone, trust me. To make matters worse, the BM is much the same. They display no feelings of any sort at all, neither for you nor against you.

You’ll have more response speaking to a piece of wood than with these guys. 🙁

 

[Centurion_wala]

In every form & promotional schemes there are promo code, pricing code etc. You don't have to worry about rm/sm will fill these.

And what is LG Code?

 

[jonamdhar]

Has infinia been discontinued? I see only an option of Infinia Metal in the upgrade form?

 

[sidp]

Has infinia been discontinued? I see only an option of Infinia Metal in the upgrade form?

Yes pvc infinnia & dcb are being given in rarest of cases. I know couple of people who got dcb pvc after hdfc pulled the plug. But they had fight to get it, as bank wasn't ready to give them metal dcb.

Those who already have pvc cards, will continue to get replacements.

 

[jonamdhar]

Yes pvc infinnia & dcb are being given in rarest of cases. I know couple of people who got dcb pvc after hdfc pulled the plug. But they had fight to get it, as bank wasn't ready to give them metal dcb.

Those who already have pvc cards, will continue to get replacements.

Any idea how to apply? The form doesn't have Infinia PVC option. And apparently the form is the only way to apply for the Infinia card.

 

[sidp]

Any idea how to apply? The form doesn't have Infinia PVC option. And apparently the form is the only way to apply for the Infinia card.

Infinnia pvc has same criteria as metal. Why do you want pvc? 🤣

 

[jonamdhar]

Infinnia pvc has same criteria as metal. Why do you want pvc? 🤣

Doesn't it have Lower fees of Rs. 10k instead of Rs. 12.5k?

 

[Jolly Roger]

That's what I asked them initially. If I courier the documents, they will consider my application like a normal one, and with that, they'll 100% reject the upgrade.

To this, the person told me to give him the AWB number so they could notify the Chennai team about my case. Not sure how the complete process is going to work, but I'm a little afraid that I might see a rejection at first.

If you meet the criteria of FDs with the bank they will give it, unless they discover some CIBIL red flags. They may ask for salary docs additionally and do a verification of home and residence address. In my case they put my company's registered address on the form from my payslip (despite telling them not to) and obviously since registered office address can be some lawyer's office, etc, they couldn't verify I worked there. Finally they asked me to send an email from my work ID stating I WFH and it was done.