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Infinia Breaking! New HDFC Infinia criteria increased? - Update July 2025

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Sobirvs

Sobirvs

TF Ace
Date mentioned is 15-06-2025 on bottom right corner.

Most imp
1. CL requirement increased to 10L.
2. If your CL is increased to 10L recently in last 6 months, then this won't work.

I have tons of questions.

1. Do we need ITR/Salary even if Imperia/infinity RLV/TRV requirement is reached?
2. Is CL/Spends criteria increased only in case of imperia/infinity?

Normal sending email to grievance, is 8L limit still works?

Anyways, make of this what you will.

1751727213279.webp

Source : Twitter
 
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LHR said:
what is the "upgrade"? it's literally how it has been for years but with the added 25L AMB or income requirement now
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No, I meant OP isn't for NTB customers. Usually 1Cr FD is for NTB customers too. Hence I thought 25L AMB means it is for NTB too which isn't the case.

Anyways, I personally have RG with 3.45L CL and imperia savings acc(under my brother's family banking). Can I keep 25L in savings and get infinia? Just wondering.
 
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devsfinance said:
Can you also confirm what’s the requirements along with the Savings balance like salary and other factors for the upgrade if there is no possibility of getting it as first card?

But yeah if you manage to get the card then congratulations
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I didn't ask for salary req. You can ask nearby branch. It's not applicable to me or my friend so didn't waste time on that requirement.
 
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Sobirvs said:
I didn't ask for salary req. You can ask nearby branch. It's not applicable to me or my friend so didn't waste time on that requirement.
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Oh I got your point. If they agree with 25L AMB then do post here as well. I will also try to approach someone whoever I have contacted till now has just said that “we can’t provide that card and quoted some random amount like 1 Cr ITR or 60L Itr” never consistent. So I doubt their claims.
 
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Sobirvs said:
No, I meant OP isn't for NTB customers. Usually 1Cr FD is for NTB customers too. Hence I thought 25L AMB means it is for NTB too which isn't the case.

Anyways, I personally have RG with 3.45L CL and imperia savings acc(under my brother's family banking). Can I keep 25L in savings and get infinia? Just wondering.
Click to expand...
what does the 25L AMB mean then? Is it a replacement for the limit + spends criteria or is it an addition to it?
 
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LHR said:
what does the 25L AMB mean then? Is it a replacement for the limit + spends criteria or is it an addition to it?
Click to expand...
addition most probably. Though I highly doubt it. As I got my brother's RG upgraded to infinia 2 months back and with 8L limit and 9L spends, it got approved in single try without escalating to PNO.
 
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LHR said:
You cannot say they are not doing too much when they themselves gave this card away to housewives as LTF. Infinia glazing on this forum is a little too much.
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Don’t shift the goalpost. Whom they gave it to and how isn’t the point. You said it was a useless card and I explained that it was an excellent one. Argue on that point.
 
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LHR said:
Do you have difficulty reading? Where exactly did I say it was "useless"?
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Perhaps you should read your own post:

‘This card is not worth the bullshit HDFC keeps pulling lmao. Giving users a maximum of 15k a month to spend on their own overpriced platform with these many conditions and making it as painful as possible to obtain is crazy’
 
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Asked for RG to Infinia upgrade... Below is the response..

Our records indicate that Upgrade to Infinia Metal credit card offer is currently unavailable for your card account. We also wish to confirm that for an upgrade to Infinia Metal credit card the customer must be having minimum credit limit of Rs.10,00,000.00 and Net pay must be Rs.5,00,000.00 per month for salaried customers in addition to the other credit policy guidelines. Also, the customer should have used the current card atleast for a period if 6 months.

We acknowledge the income documents shared in your e-mail. We have reviewed your request and regret our inability to accede to your request for existing card upgrade to Infinia Metal credit card currently as income & credit limit does not meet the internal criteria of the bank.
 
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msd07 said:
Asked for RG to Infinia upgrade... Below is the response..

Our records indicate that Upgrade to Infinia Metal credit card offer is currently unavailable for your card account. We also wish to confirm that for an upgrade to Infinia Metal credit card the customer must be having minimum credit limit of Rs.10,00,000.00 and Net pay must be Rs.5,00,000.00 per month for salaried customers in addition to the other credit policy guidelines. Also, the customer should have used the current card atleast for a period if 6 months.

We acknowledge the income documents shared in your e-mail. We have reviewed your request and regret our inability to accede to your request for existing card upgrade to Infinia Metal credit card currently as income & credit limit does not meet the internal criteria of the bank.
Click to expand...
Have you asked them to upgrade based on the spends criteria ?
 
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Sobirvs said:
Date mentioned is 15-06-2025 on bottom right corner.

Most imp
1. CL requirement increased to 10L.
2. If your CL is increased to 10L recently in last 6 months, then this won't work.

I have tons of questions.

1. Do we need ITR/Salary even if Imperia/infinity RLV/TRV requirement is reached?
2. Is CL/Spends criteria increased only in case of imperia/infinity?

Normal sending email to grievance, is 8L limit still works?

Anyways, make of this what you will.

View attachment 102679

Source : Twitter
Click to expand...
So the conditions are:

INFINIA: Income AND spending AND CL requirements
Other Cards: Income OR spending AND CL requirements

Upgrade cannot be processed within 6 months cannot be considered. HDFC usually gives CLI every six months.

So I have DCP now. My CL was increased to 4.39 L last week. I meet salary requirements for RG but not for DCBM. My options:

I can get Regalia Gold after waiting for the next 6 months
OR
IF I get another CL upgrade after 6 months from now AND if I spend 5 lakhs+ in the 6 months after that I can apply for DCBM in exactly after a year.

Yeah f*ck that. F*ck HDFC Bank and f*ck their over hyped cards. The useless DCP is going into the drawer and will be used for only insurance and BMS. Needlessly spent like 4.5 lakhs in the past 6 months on it. Great going by HDFC Bank to reduce usage on their cards.
 
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