Will HDFC Vishesh programme be a hurdle on the road to Infinia?

[Shankar01]

Last week, I opened HDFC savings Max account with classic banking via initial funding. Today, I came to know that it is Vishesh, not Classic as I live in a semi urban area. Now, name of banking programme is not important for me, my aim is Infinia.

Will Vishesh make it harder to get super premium cards? If yes,
1. Should I close this account & open new classic account in nearby tier 2 city?
2. Transfer this account to urban branch & apply classic there? Will I get classic banking there immediately?
3. Other better suggestions.

My current level...
I'm new to this CC world. Got Apay in 2022 with 2.9L current limit. In last 2 months, got Airtel Axis with 1.72L, SBI Cashback with 1.76L & Kiwi Yesbank with 3.05L limit.
No HDFC cc.
Filed 7L ITR.

This is my first message in this awesome community. I'm extremely sorry if something is against community guidelines.

 

[Tejo]

Last week, I opened HDFC savings Max account with classic banking via initial funding. Today, I came to know that it is Vishesh, not Classic as I live in a semi urban area. Now, name of banking programme is not important for me, my aim is Infinia.

Will Vishesh make it harder to get super premium cards? If yes,
1. Should I close this account & open new classic account in nearby tier 2 city?
2. Transfer this account to urban branch & apply classic there? Will I get classic banking there immediately?
3. Other better suggestions.

My current level...
I'm new to this CC world. Got Apay in 2022 with 2.9L current limit. In last 2 months, got Airtel Axis with 1.72L, SBI Cashback with 1.76L & Kiwi Yesbank with 3.05L limit.
No HDFC cc.
Filed 7L ITR.

This is my first message in this awesome community. I'm extremely sorry if something is against community guidelines.

So with 7l itr, classic banking programme & X limit on other bank cards ..... is next impossible thing to get infinia unless you are lucky person.

Vishesh banking 🙃 ... do you mean ? @VISHESH_BANSAL brand ambassador of hdfc vishesh banking

Best of luck #Jai_infinia

 

[Tejo]

Will Vishesh make it harder to get super premium cards? If yes,
1. Should I close this account & open new classic account in nearby tier 2 city?
2. Transfer this account to urban branch & apply classic there? Will I get classic banking there immediately?
3. Other better suggestions.

You should be hni of hdfc to get infinia

 

[Shankar01]

So with 7l itr, classic banking programme & X limit on other bank cards ..... is next impossible thing to get infinia unless you are lucky person.

I never said I'll get it today. Income will increase, so will the cc limits. It may take a couple more years.

Before Infinia, I should get other good cc. For that purpose, just wanted to confirm about Vishesh programme. On paper, Vishesh & Classic are equivalent, but practically, there may be differences.

 

[Shankar01]

@Vasuki sir... I read somewhere that your classic account also converted to Vishesh. Need your advice.

 

[Shin-Chan]

Provided you satisfy Infinia criteria account type is irrelevant !!

You may try ULIP Route via RM/BM and get Infinia as Salary Criteria is 3L+ in hand