Infinia upgrade denied even after I did everything

[Nihhaar]

I have DCB Alumni LTF card from past 4 years. I applied for infinia upgrade some time in Oct 2023 via grievance and they rejected saying due to "internal" criteria. I had less spends at that time, but now in the past 6 months my spends have increased.

* Salaried with ITR > Infinia requirement (36) but most of them are stocks hence, net salary is less than Infinia Requirement (2.5LPM).
* DCB Credit Limit - 13L
* Spends in past 6 months - 8L+
* Salary Account with HDFC
* All family accounts are in Imperia programme

I also had a 25L FD with HDFC when I first applied in Oct 23 but now its matured and I used up the funds. But still rejected...F*ck your internal criteria HDFC!

 

[HumorSimpson]

Finally i found a friend 🙂 am here with the same problem

This friend circle might be bigger than you think 🤔

 

[Deleted member 27665]

ULIP wants to know your location 🥳

 

[iROS]

5x rp on both travel & gyftr with no cap
Other life style benifits ..golf ,dining etc
+ Burgundy dc isn't much talked about but it gives 1% reward on cc bill pay not sure exactly how much %

1% cashback upto ₹750/m

 

[_ayush]

did you try talking to Customer care? not sure if it will work or not but I asked them a couple of times about upgrade criteria. They only mentioned spend and limit criteria.

 

[_ayush]

5x rp on both travel & gyftr with no cap
Other life style benifits ..golf ,dining etc
+ Burgundy dc isn't much talked about but it gives 1% reward on cc bill pay not sure exactly how much %

its not 5x for gyftr right? axis gyftr has different multipliers on different vouchers. also golf is not there on magnus afaik

 

[elite34700]

I have DCB Alumni LTF card from past 4 years. I applied for infinia upgrade some time in Oct 2023 via grievance and they rejected saying due to "internal" criteria. I had less spends at that time, but now in the past 6 months my spends have increased.

* Salaried with ITR > Infinia requirement (36) but most of them are stocks hence, net salary is less than Infinia Requirement (2.5LPM).
* DCB Credit Limit - 13L
* Spends in past 6 months - 8L+
* Salary Account with HDFC
* All family accounts are in Imperia programme

I also had a 25L FD with HDFC when I first applied in Oct 23 but now its matured and I used up the funds. But still rejected...F*ck your internal criteria HDFC!

Kindly DM, let’s see.

 

[Harry1]

Just close all accounts with HDFC. I am doing same next month after my FDs are matured.

Already added request for salary account transfer back to Axis. Axis has been pretty generous to me unlike most people 😁.

 

[HumorSimpson]

Just close all accounts with HDFC. I am doing same next month after my FDs are matured.

Already added request for salary account transfer back to Axis. Axis has been pretty generous to me unlike most people 😁.

What did axis give you?

 

[Nihhaar]

Got Infinia FYF approved, after mailing PNO. Thanks guys!

 

[Learner]

Got Infinia FYF approved, after mailing PNO. Thanks guys!

🎉 Congratulations .

 

[Learner]

Finally i found a friend 🙂 am here with the same problem

@Pavan did you also tried mailing to PNO?

 

[Nihhaar]

Got Infinia FYF approved, after mailing PNO. Thanks guys!

To expand, after I contacted PNO, the PNO contacted our branch. Our branch RM reached out to me and initiated the full process. So at the end, I guess its our branch who dictates what should happen!

 

[imdjay]

To expand, after I contacted PNO, the PNO contacted our branch. Our branch RM reached out to me and initiated the full process. So at the end, I guess its our branch who dictates what should happen!

And how long branch took to process this and what was the process?

 

[Nihhaar]

Just one day. I've threatened PNO that I'll be moving all my bank accounts if I was not provided Infinia, and hence the quick response I guess. And it's the FY end, so no bank wants to lose customers.

 

[imdjay]

Just one day. I've threatened PNO that I'll be moving all my bank accounts if I was not provided Infinia, and hence the quick response I guess. And it's the FY end, so no bank wants to lose customers.

I meant what did branch people do?
Did they fill a upgrade form or it was all digital at their end? Or the upgrade option started coming at your end? How much time did it took after branch intervened?

 

[HumorSimpson]

Just one day. I've threatened PNO that I'll be moving all my bank accounts if I was not provided Infinia, and hence the quick response I guess. And it's the FY end, so no bank wants to lose customers.

Then why does Axis wants to axe its customers ?

 

[Trio]

I got my Infinia last week too...Just through a call to call center.Limit was 9.7 Lakhs and could manage spend of 8.75 lakhs in last 6 months in my DCB LFT card.

 

[Nihhaar]

I meant what did branch people do?
Did they fill a upgrade form or it was all digital at their end? Or the upgrade option started coming at your end? How much time did it took after branch intervened?

I haven't received any formal confirmation yet that I got Infinia but my branch cc team told that i got the approval and I can get the card. And then they made me fill the upgrade form and took my signatures. Said I'll get the card within a week or 2.

 

[ccdc]

so so happy...infinia getting denied....it'll give much more time to infinia till it gets devalued like axis did yesterday...

 

[Subhajeet]

You have missed the train for LTF.
Magnus burgundy is now available at some 30k + taxes annually.
If your spends are consistently above 1.5 lakhs a month then it's a no brainer , otherwise the cost of acquisition would be higher than the rewards that you would yield.

Also as of now There is not much difference between Infinia and DCB now , Infinia is no more a rewarding card if you are into Airmiles , if smartbuy is your game then you can take DCB Metal and match upto infinia with quarterly milestones.

For normal spends , Atlas , plat travel with GC should be more than enough to accumulate points enough for a good international holiday every 2 year ( Assuming the reward rate doesn't falls much ) , if atlas gets devalued you can rely on Amex + HDFC .

There are few rumors that SBI would be launching few miles card, so we can shift to that.

what is gc please