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Infinia Experience with Infinia Upgrade

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CC_Exuberant

TF Premier
VIP Lounge
Hi Everyone ,

Like others I too struggled a lot to get Inifinia FYF from DCB LTF. I wanted to share my overall experience with the whole process and journey , It might be useful to others .

  • Sent mails to Grievance.Redressalcc@hdfcbank.com , but they rejected saying my existing credit limit(7.94 L ) is not 10 lakhs.
  • Again asked them to reconsider as I had been told before if I spend 7.5 lakhs in last 6 months and limit of 8 lakhs would make me eligible for ugrade, but they again declined.
  • Again sent PriorityRedressal.CreditCards@hdfcbank.com , but they too declined after they reviewed my salary .
  • Asked them to close my salary account which I hold for last 12 years , but nothing happened as if they were saying " Go close but upgrade is not happening "
  • Visited branch and asked them to close my account or upgrade the card , but they told they are helpless .
  • Asked my CSRM to look into my request and he promised he will try his best for taking approval for deviation which he did after so many iterations of rejections.
  • Meanwhile I came to know about my virtual RM who seemed to be jugaaru guy , and he calls me every other day if I promise him for taking some plans like insurances with him he can get Inifinia in 10 days of timeline . First I thought I will just show interest and lets see if he can get me approval or not. to my surprise he got approval and now everyday he is asking for upgrade ( the only catch here is that I should give business to him ). Since I got approval with my CSRM ( corporate RM ) , I told him I have already got request raised , but he keeps on asking if you have not received the card he will get me in short time.
I am just curious how this Inifia upgrade is so dubious process ! I asked them to let my DCB also active but they declined . And on the same time my colleague got upgrade and DCB both by sharing the limit !

Hope this helps who are interested for upgrade to Inifinia.

Update 1 [ Aug 25]: Finally after so many follow ups , I can see Infinia Metal card in the app today.

Update 2 : To my pleasant surprise , I have been upgraded to Infinia Metal LTF from DCB LTF. I just double checked with Infinia support team ☺️
 
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C

CC_Exuberant

TF Premier
VIP Lounge
gurubhai said:
Just want to know do you fulfil the salary criteria for Inifinia as well and still they reject it?
Click to expand...
No. There is no official salary criteria what I understand. 2.75 lakhs they say to most of us , but sometime they say 3 & 3.5 lakhs . Some time they they say 8 lakhs credit limit on existing card and sometime they say 10 , 12 L . But to answer your query , I do not meet any of the above criteria!
 
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vineetverma

TF Buzz
Quite a fight you put up. Kudos to your well deserved Infinia.

BTW, when you say that your colleague got upgrade (to infinia, I am assuming) and DCB both by sharing limit, what does that mean exactly? And around which date did this happen? Coz I was expressly told by RM that limit splitting is not allowed anymore.
 
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C

CC_Exuberant

TF Premier
VIP Lounge
vineetverma said:
Quite a fight you put up. Kudos to your well deserved Infinia.

BTW, when you say that your colleague got upgrade (to infinia, I am assuming) and DCB both by sharing limit, what does that mean ezactlt? And around why date did this happen? Coz I was expressly told by RM that limit splitting is not allowed anymore.
Click to expand...
He has DCB with 11.5 lakhs approx , And got upgrade to Infinia with 8 lakh and DCB reatined with 3.5 lakh shared limit . This happened on last week only . I too argued but they told after so many approval only Inifinia is possible for you , Now don't push for it which would delay the card further ..:LOL:
 
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P

Pavan

TF Legend
TF Family
Moderator
CC_Exuberant said:
Hi Everyone ,

Like others I too struggled a lot to get Inifinia FYF from DCB LTF. I wanted to share my overall experience with the whole process and journey , It might be useful to others .

  • Sent mails to Grievance.Redressalcc@hdfcbank.com , but they rejected saying my existing credit limit(7.94 L ) is not 10 lakhs.
  • Again asked them to reconsider as I had been told before if I spend 7.5 lakhs in last 6 months and limit of 8 lakhs would make me eligible for ugrade, but they again declined.
  • Again sent PriorityRedressal.CreditCards@hdfcbank.com , but they too declined after they reviewed my salary .
  • Asked them to close my salary account which I hold for last 12 years , but nothing happened as if they were saying " Go close but upgrade is not happening "
  • Visited branch and asked them to close my account or upgrade the card , but they told they are helpless .
  • Asked my CSRM to look into my request and he promised he will try his best for taking approval for deviation which he did after so many iterations of rejections.
  • Meanwhile I came to know about my virtual RM who seemed to be jugaaru guy , and he calls me every other day if I promise him for taking some plans like insurances with him he can get Inifinia in 10 days of timeline . First I thought I will just show interest and lets see if he can get me approval or not. to my surprise he got approval and now everyday he is asking for upgrade ( the only catch here is that I should give business to him ). Since I got approval with my CSRM ( corporate RM ) , I told him I have already got request raised , but he keeps on asking if you have not received the card he will get me in short time.
I am just curious how this Inifia upgrade is so dubious process ! I asked them to let my DCB also active but they declined . And on the same time my colleague got upgrade and DCB both by sharing the limit !

Hope this helps who are interested for upgrade to Inifinia.
Click to expand...
I can understand the pain sir :( even am in same place..they need FD's and NRV too :(
 
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vikramv4u

vikramv4u

TF Buzz
Hi,

I just went thru the upgrade process from DCB (paid) to Infinia and here is my experience:

I opened up 2 paths - firstly went thru my RM, which was honestly leading only to one destination (invest in a scheme (ULIP or a scheme which is a so-called guaranteed return one) and we will try to get you an Infinia) .. I counter-offered with willing to invest in FD, but he was not ok. He wanted to only push the ULIP investment case forward.. As I didn't want to go down this path, I opened up the only option of writing to Grievance Redressal (like all of you have suggested) - attached my latest payslips, main bank account statement etc. and tried.. Got a rejection mail from them :) and in that mail they said if you are unhappy with the response, you may choose to escalate - so I tried again, justifying why I 'deserve' an Infinia.. Of course in my case I am not a salary account holder with HDFC, so that goes against me.. but I am an old customer 20 years, so tried whatever would help my case, but was accepting that the salary account wasn't there and if that was the only deal breaker, I may consider fixing that. Similarly wrote about my LY spending, dropped in some names of the other cards I use etc. So, cutting to the chase, this one email did the trick and they have offered me the Infinia Metal with FYF.. I received the card (+ add-ons) last week..

Thank you to all in the forum!!! I appreciate your inputs and hope i can be of someone's help as well!

Vikram
 
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P

Pavan

TF Legend
TF Family
Moderator
vikramv4u said:
Hi,

I just went thru the upgrade process from DCB (paid) to Infinia and here is my experience:

I opened up 2 paths - firstly went thru my RM, which was honestly leading only to one destination (invest in a scheme (ULIP or a scheme which is a so-called guaranteed return one) and we will try to get you an Infinia) .. I counter-offered with willing to invest in FD, but he was not ok. He wanted to only push the ULIP investment case forward.. As I didn't want to go down this path, I opened up the only option of writing to Grievance Redressal (like all of you have suggested) - attached my latest payslips, main bank account statement etc. and tried.. Got a rejection mail from them :) and in that mail they said if you are unhappy with the response, you may choose to escalate - so I tried again, justifying why I 'deserve' an Infinia.. Of course in my case I am not a salary account holder with HDFC, so that goes against me.. but I am an old customer 20 years, so tried whatever would help my case, but was accepting that the salary account wasn't there and if that was the only deal breaker, I may consider fixing that. Similarly wrote about my LY spending, dropped in some names of the other cards I use etc. So, cutting to the chase, this one email did the trick and they have offered me the Infinia Metal with FYF.. I received the card (+ add-ons) last week..

Thank you to all in the forum!!! I appreciate your inputs and hope i can be of someone's help as well!

Vikram
Click to expand...
Out of curios do you meet salary criteria for infinia ?
 
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