Infinia Upgrade Offer for FYF Infinia metal card

[parasf]

Hi

I have regalia first with pretty good limit.
And this card is LTF

Now I get an upgrade offer of infinia metal with FYF & there after annual fees of ₹ 12500/-

I want to upgrade the card. But annual fees are very high for me. (As mostly my all cards are LFT)

So is there any suggestions to get INFINIA METAL LTF??

Please suggest good ideas

 

[parasf]

WOW.. Many people are willing to get Infinia FYF but its really difficult to get.
Please share some details on how you got this offer. Approximately what is your current limit, what were your spends in last 6-8 Month, your TRV with HDFC.

Limit is around 8l
Last 6 months spend is approx 1.5 l
Trv is not more then 1l
How I got this offer, I DON'T KNOW 🤣
actually first hdfc offered me an upgrade of regalia gold, but I didn't apply for that
So now they offered me infinia metal

 

[parasf]

After how long you got infinia offer since the time you didn't apply previous offer?

They offer me regalia gold since last 1 year

 

[Avatar Aang]

Limit is around 8l
Last 6 months spend is approx 1.5 l
Trv is not more then 1l
How I got this offer, I DON'T KNOW 🤣
actually first hdfc offered me an upgrade of regalia gold, but I didn't apply for that
So now they offered me infinia metal

Wow. Perhaps the limit has triggered the upgrade offer. If its FYF I suggest to take it and use on smartbuy/gyftr at the end of the year just ask them to convert it to LTF or downgrade to any LTF card.
This is considering that your spends are low for a card like infinia. If you manage to spend 5-6L then I think you can keep the paid Infinia.

 

[Deleted member 21549]

Wow. Perhaps the limit has triggered the upgrade offer. If its FYF I suggest to take it and use on smartbuy/gyftr at the end of the year just ask them to convert it to LTF or downgrade to any LTF card.
This is considering that your spends are low for a card like infinia. If you manage to spend 5-6L then I think you can keep the paid Infinia.

As per his initial comment "my annual spend is hardly 2 to 3 lakhs"

 

[Avatar Aang]

As per his initial comment "my annual spend is hardly 2 to 3 lakhs"

Yes. Considering his spends he should get the FYF Infinia and then try to convert it to LTF. If HDFC denies LTF then he should probably downgrade the card to LTF before the next year fee is posted.
If at all he manages to spend more i.e. more than 5-6L, in that case he can keep the paid Infinia. Pardon my grammar.

 

[SHUB11]

I am spending a fortune on my DCB card in order to upgrade to Infinia (willing to sell both my Renal organs as well) but still no upgrade to Infinia.
Here you are not satisfied and want a LTF infinia.

 

[AlgoTrader]

I am spending a fortune on my DCB card in order to upgrade to Infinia (willing to sell both my Renal organs as well) but still no upgrade to Infinia.
Here you are not satisfied and want a LTF infinia.

you should get it on spending 8L , did you breach that limit and still they refused the upgrade?

 

[Sudip]

I am spending a fortune on my DCB card in order to upgrade to Infinia (willing to sell both my Renal organs as well) but still no upgrade to Infinia.
Here you are not satisfied and want a LTF infinia.

like he said, he's not looking for hotel/ travel redemption. credit card use is different for each person and accordingly one must decide.

however, infinia is good if you can use smartbuy, learn more of this card and maybe you will relish it even if you pay only the GST, if you dislike even after 11 months - downgrade.

Do note, infinia is everyone's dream in credit card.

 

[vaibhav111vaibhav111 is verified member.]

Let me share my advice or opinion: forget about spending 2-3 lakhs; where you spend is more important. Consider FYF Infinia Metal; I currently have the Plastic Infinia LTF. my limit is 12,84,000. I tend to spend less because it depends on my needs. Spending isn't a culture because money is going out, and we all need to optimize our credit card spending. Please make a table of where you spend and then check SmartBuy. Take a look at Amazon ASV, and Pay rewards are two of the easiest options. Forget about other LTF credit cards; those aren't equal to Infinia. I've been holding Infinia for over 4 years now and received a renewal plastic a week back. @parasf, you seem new to the credit card world, so take a moment to breathe and understand how Infinia works. You do have the option to cancel in 10-11 months if the spends aren't there for a good reason

 

[SSV]

(I don't know the reason, why they offer me infinia)

How I got this offer, I DON'T KNOW

As I said before, not only you .. even this Cosmos Creater " Brahma" also would not know for sure..

However, on my part .. this is my guess:
1)Your long standing relationship with HDFC
2)Your 8L CL on the current CC
3)Your unwillingness to take Regalia Gold offer offered by them throught the entire year.....This had played a significant role.. I believe...

All the best

 

[AlgoTrader]

As I said before, not only you .. even this Cosmos Creater " Brahma" also would not know for sure..

However, on my part .. this is my guess:
1)Your long standing relationship with HDFC
2)Your 8L CL on the current CC
3)Your unwillingness to take Regalia Gold offer offered by them throught the entire year.....This had played a significant role.. I believe...

All the best

I meet all of this criteria.
12+ years with hdfc - salary account
11L limit on current card - moneyback
I rejected regalia gold FYF for almost a year.

Have 12L PPF Account with them, few FDs as well.

Still no offers for me, not even DCB forget about Infinia.
I think my fault is taking Tata neu infinity as FYF 6 months back, will close it

 

[Avatar Aang]

I meet all of this criteria.
12+ years with hdfc - salary account
11L limit on current card - moneyback
rejected regalia gold FYF for almost a year.

Have 12L PPF Account with them, few FDs as well.

Still no offers for me

I think you should close the account and get M4B (If you dont have ).

 

[AlgoTrader]

I think you should close the account and get M4B (If you dont have ).

I can't.
HDFC Moneyback CC I hold is the oldest CC I have, almost 10 years old.
Next old CC is citi, which I closed already
So can't risk closing oldest credit card

 

[AlgoTrader]

I think you should close the account and get M4B (If you dont have ).

what is M4B?

 

[Avatar Aang]

what is M4B?

Magnus for burgundy. You need not close the CC. IMO closing other banking relationship and transferring it to axis might be better option considering that you will get magnus for burgundy easily.

 

[AlgoTrader]

Magnus for burgundy. You need not close the CC. IMO closing other banking relationship and transferring it to axis might be better option considering that you will get magnus for burgundy easily.

thanks for the clarification bro

 

[SSV]

I meet all of this criteria.
12+ years with hdfc - salary account
11L limit on current card - moneyback
I rejected regalia gold FYF for almost a year.

Have 12L PPF Account with them, few FDs as well.

Still no offers for me, not even DCB forget about Infinia.
I think my fault is taking Tata neu infinity as FYF 6 months back, will close it

Yes.. Co branded cards are injurious to health. I.e to HDFC CC portfolio health

 

[hrish88]

I can't.
HDFC Moneyback CC I hold is the oldest CC I have, almost 10 years old.
Next old CC is citi, which I closed already
So can't risk closing oldest credit card

I closed my oldest hdfc card which i was holding from 2007.my cibil increased by 8 points.so i don't think it matters that much.

 

[AlgoTrader]

Yes.. Co branded cards are injurious to health. I.e. HDFC CC portfolio health

lesson learnt the hard way

 

[AlgoTrader]

I closed my oldest hdfc card which i was holding from 2007.my cibil increased by 8 points.so i don't think it matters that much.

Will keep it as last option, first I need to shift my salary account to remote branch, they can help better i guess