Infinia From ₹1 Cr FD to Infinia CC: The Upgrade !!

[Lobogris]

Credit card should be need based....If i spend more than 10 lakh, it makes sense to have infinia...Collecting a credit card just for status symbol or to boost ego is fatal for personal finance.

How is it fatal? If I have FDs worth, say, 5 crores and I move 1 crore to HDFC for getting the card?

 

[Lobogris]

That's not true — and it's a long waiting game.
I had no prior credit card relationship with HDFC, and I didn't want to wait or start with Regalia Gold just to climb the ladder.


This option was quick and straightforward.

You made the right choice. The naysayers likely don't have 1 crore available for FD. If I didn't have the Infinia, I would be happy to make an FD of 1, 2 or even 5 crores for a few months. Much easier than getting some basic card and playing the waiting game. All banks should offer such choice.

 

[Lobogris]

Yes. But some people have managed to get Infinia LTF. I also have paid Infinia and would love to save on the GST by converting it LTF. However, considering the TRV I won't be eligible for LTF conversion anytime soon.

My thought is, if someone has managed to do it and OP has got it by doing 1Cr FD, OP should try for LTF.

LTF is not possible. People worried about 2.5k per year un GST are not the target customers for Infinia. It's worth it even if the fee was 50k per year.

 

[Sobirvs]

If someone is spending 10 lakh, he will by default get upgrade offer for infinia.

10L spends are not alone the reason to get Infinia.

CL also has to be atleast 8L.

Credit card should be need based....If i spend more than 10 lakh, it makes sense to have infinia...Collecting a credit card just for status symbol or to boost ego is fatal for personal finance.

And how are you defining "need".? Isn't it subjective and different for different people?

If his "need" is not monetary benefit but ego boost, status symbol, then what's your problem?

Why jealousy always? Jalo mt, brabari kro.

Update: Card delivered today!

Ask for card replacement for VISA variant, MC is shit.

 

[sunit123]

10L spends are not alone the reason to get Infinia.

CL also has to be atleast 8L.


And how are you defining "need".? Isn't it subjective and different for different people?

If his "need" is not monetary benefit but ego boost, status symbol, then what's your problem?

Why jealousy always? Jalo mt, brabari kro.


Ask for card replacement for VISA variant, MC is shit.

Can't stop laughing...I have rejected this shitty card twice....Check my earlier posts....I have infiniti account in HDFC..Jalo mat barabari karo...

 

[sunit123]

By the way, i am not begging the HDFC for the card...They are begging me to take the card...Now someone will ask the proof...Here it is

 

[hender]

By the way, i am not begging the HDFC for the card...They are begging me to take the card...Now someone will ask the proof...Here it is

View attachment 100742

इतने क्यों नाराज़ हो इस कार्ड से 🤔

 

[Hackmebro]

AFAIK Primary and Add on would be on same network.

Did you apply?

As suggested, Applied for add on while on MC network. Once add on is delivered, I can switch primary card to VISA and add on will stay active on MC.

 

[sunit123]

इतने क्यों नाराज़ हो इस कार्ड से 🤔

card se nahin naraz...do logon se narazgi hain
1. HDFC which is promoting this shitty card through forums which is increasing spend of most of the people unnecessarily
2. Forum members who are unnecessarily glorifying this card which is trapping innocent members in this spend trap

 

[Finchamp!]

card se nahin naraz...do logon se narazgi hain
1. HDFC which is promoting this shitty card through forums which is increasing spend of most of the people unnecessarily
2. Forum members who are unnecessarily glorifying this card which is trapping innocent members in this spend trap

samajh gaye..Bank aur TF community bahut galat kar rahe hain..ab yeh batao ki yeh card aapke kaam ka kyun nahi hai? Maybe by learning your reasons for not selecting this card, some of us can get dissuaded too.

 

[Sobirvs]

1. HDFC which is promoting this shitty card through forums which is increasing spend of most of the people unnecessarily

Please provide proof that HDFC is in touch with forum members to promote this card.

Give email screenshots, call records if any etc.

By the way, i am not begging the HDFC for the card...They are begging me to take the card...Now someone will ask the proof...Here it is

Interesting that screenshot and your post have a 1 hour gap. So ofcourse this is fake, feel free to prove me wrong.

 

[Finchamp!]

Please provide proof that HDFC is in touch with forum members to promote this card.

Give email screenshots, call records if any etc.



Interesting that screenshot and your post have a 1 hour gap. So ofcourse this is fake, feel free to prove me wrong.

Are you a lawyer? If not, become one. Well done!

 

[Sobirvs]

Are you a lawyer? If not, become one. Well done!

Sumit has a habit of peddling bullshit and conspiracy theories all day here.

It's not the first time he is peddling conspiracy theories.

He is doing so since I first started interacting with him.

This all comes from his political bias that is in his head because of hatred for a community and an organization only coz his ideological slavery blinds him to see reason anywhere.

 

[Finchamp!]

You are andhbhakt and blaming others...Pls go and take 5 kg free ration which you are availing (You mentioned in one of your post that you are availing the same)

You hold an Infiniti A/C, right? just share an image of your Infiniti DC. Hum gareeb bhi khush ho jayenge 🙂

 

[Sobirvs]

You hold an Infiniti A/C, right? just share an image of your Infiniti DC. Hum gareeb bhi khush ho jayenge 🙂

His post got deleted? Idk what and where u quoted this from but he is very touchy when someone shows him the mirror and he get's to know he's a hypocrite AND ALWAYS ends up labelling people based on opposing political ideology.

 

[Finchamp!]

Can't stop laughing...I have rejected this shitty card twice....Check my earlier posts....I have infiniti account in HDFC..Jalo mat barabari karo...

Take a look at this comment—he’s mentioned it here. I had a run-in with him on one of my earlier posts about the Kotak 811 Super Metal Debit Card, where he unnecessarily accused me of doing a paid promotion. 😐 Thankfully, the moderators stepped in and handled the situation promptly.

 

[iSayyed]

Congratulations! And yeah so it is now confirmed that I will never get Infinia. Might as well stop trying.

Don’t so never! You can do it! Think BIG!!!

 

[Sobirvs]

Take a look at this comment—he’s mentioned it here. I had a run-in with him on one of my earlier posts about the Kotak 811 Super Metal Debit Card, where he unnecessarily accused me of doing a paid promotion. 😐 Thankfully, the moderators stepped in and handled the situation promptly.

When i click on the post u quoted, it is giving me an error, idk if that means he blocked me or mod deleted the post but ya, he is someone who get's slapped around on his posts (not literally), and no one takes him seriously.

I would never want to be a person who is eligible for infiniti acc at hdfc yet gets mocked for anything or everything online.

What a legacy to live by. But well then what better is a communist good for other than to get mocked online.