Should I opt in for Infinia paid from REgalia Gold LTF

[financewizard]

I’m an HDFC Imperia customer and dual LTF cards (Regalia & TATA NEU Infinity) with a shared limit of 15 lakhs. Currently my RM is saying that they can offer Infinia for me via offline processing from bank (upgrade offer is not shown online). If will be a paid Infinia metal card. While I insisted and bargained a lot if they can offer me a LTF Infinia, considering my relationship with the bank, they refused. I have multiple cards (AMEX MRCC, EazyDiner, SBI BPCL Octane, Regalia Gold, Tata Neu Infiniy, Amazon ICICI, ICICI Sapphiro etc) - with most of them bing LTF. My overall CC expense is around 8L and hence I am thinking if I should opt for Infinia paid card or not.

Is there any tips or tricks where I can altleast push for FYF Infinia card?? And lastly will HDFC allow me to retain Regalia Gold (Reason being - maybe if at all I change my mind and close Infinia paid card at later point in time, I can still have LFT Regalia Gold with me..

 

[drabhishekladdha]

I’m an HDFC Imperia customer and dual LTF cards (Regalia & TATA NEU Infinity) with a shared limit of 15 lakhs. Currently my RM is saying that they can offer Infinia for me via offline processing from bank (upgrade offer is not shown online). If will be a paid Infinia metal card. While I insisted and bargained a lot if they can offer me a LTF Infinia, considering my relationship with the bank, they refused. I have multiple cards (AMEX MRCC, EazyDiner, SBI BPCL Octane, Regalia Gold, Tata Neu Infiniy, Amazon ICICI, ICICI Sapphiro etc) - with most of them bing LTF. My overall CC expense is around 8L and hence I am thinking if I should opt for Infinia paid card or not.

Is there any tips or tricks where I can altleast push for FYF Infinia card?? And lastly will HDFC allow me to retain Regalia Gold (Reason being - maybe if at all I change my mind and close Infinia paid card at later point in time, I can still have LFT Regalia Gold with me..

Infina is practically a free card if you travel once a year and spend more than 1L per year

12500 you get back as reward points and only GST will go out of pocket

In most case when they upgrade card they don't take joining fee ( so is first year free ) and they will close primary card

 

[aniketkr.sharma]

I

I’m an HDFC Imperia customer and dual LTF cards (Regalia & TATA NEU Infinity) with a shared limit of 15 lakhs. Currently my RM is saying that they can offer Infinia for me via offline processing from bank (upgrade offer is not shown online). If will be a paid Infinia metal card. While I insisted and bargained a lot if they can offer me a LTF Infinia, considering my relationship with the bank, they refused. I have multiple cards (AMEX MRCC, EazyDiner, SBI BPCL Octane, Regalia Gold, Tata Neu Infiniy, Amazon ICICI, ICICI Sapphiro etc) - with most of them bing LTF. My overall CC expense is around 8L and hence I am thinking if I should opt for Infinia paid card or not.

Is there any tips or tricks where I can altleast push for FYF Infinia card?? And lastly will HDFC allow me to retain Regalia Gold (Reason being - maybe if at all I change my mind and close Infinia paid card at later point in time, I can still have LFT Regalia Gold with me..

It will be fyf through card upgrade

 

[Revanth999]

Bro. May i know what is your total spending in past 6 months because while applying they need to mention the detail on which basis the card is being issued and its based on 3 topics-
9L spends in 6months. (or)
monthly salary 5 lakhs (or)
Total ITR of 70 lakhs.
its what said by the team of nodal banking and Bank managers. If you meet Any of the above criteria you can get First year free. But you need to contact nodal officer through mail.

If no criteria meets even if bank manager recomends it will get rejected in most cases bcz it is approved by credit managers in Chennai Head Office.

If they are giving you paid then take it. in max you will pay a 2500 gst. and other 12500 is refunded in value of rewardpoints. Just based on experience while getting INFINIA.

As your manager is saying he will get you an infinia and saying you are eligible. then try contacting pno through mail once. There may be a Chance. But they never give LTF infinia. BCZ most people tried and no bank manager or backend team will help.