Option 3: You need Add on Unlimited PP but dont have time Take Infinia they have stoppped issuing 2 cards now , i had asked them, Not true. Had an ICICI instant credit card against FD before this. The agenda of increasing customer base points that the benefits of 10X may not stand for a long time. Recently I received the following email on further redemption constraints including no rewards on rent payments amongst others. Also, get exclusive complimentary Dineout Passport Membership with your Regalia credit card. Also, what is the upper limit of 10x points infinia. As in FDs? Acceptability Reading the review of Diners Club Black on this website, Im planning to say yes. Is this really true? To avail this feature, you just need to spend a minimum amount of Rs.20,000 on the card. Thanks. 5. SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Terms of Use I spoke to customer care and finally after few weeks I have escalated the matter due to poor response. 3. As it is gonna be of yearly charge and not LTF. But I guess they want to increase the number of customers and keep this hidden. Congratulations on the upgrade Shivi! LE was from 1.3 to 1.8 to 3 to 5 to finally 10 Lacs. What did u swipe 8L for if you could share, Did you call them for upgrade or they offered on there own. Anyone! History with HDFC as follows (No other relation with HDFC (Savings/RD/FD/ Demat) except Life insurance): It was waived off / revered last year after after written request. You can check your eligibility for the Business Regalia Credit Card, apply for the card, and upload all the required documents online and get approval in a few minutes. Havent contacted customer support yet. Will I be able to get Infinia or Diners Black? Upon calling HDFC customer care, they confirmed its LTF. I recently got my Infinia card ( Visa Infinite, contactless, 10L credit limit) and Priority pass together in a beautiful box. For domestic travel CV points values only about 0.5 per point. International travel, about twice a year, mostly to the US. As for upgrade from Regalia to Infinia, its a hit or a miss. Also, get additional 5,000 reward points on Rs. Hi Siddharth, I hold Regalia & Diners Premium but usage is low because of limited redemption offers (flights, hotels are no no for me). Here is a detailed comparison of HDFC Regalia versus Citi PremierMiles to help you choose. Feel free to share your thoughts in the comments below. You get 5 reward points for every 150.rs spent anywhere and everywhere Wallets & fuel excluded. Not sure if its relevant but the year I took my first salary, I had applied for a SC rewards card with zero annual fee and was rejected but was given a Citi PM as I had a Citibank account. Advertising Policy. Today I got confirmation to upgrade Infinia Please check if any of your transactions having Paytm on it. We have separate saving accounts and I also have a demat account in my name. If you dont mind may i know approximately for how much ITR you have shown . I recently got upgraded and got a message saying that the card delivery is delayed for three weeks. How can I get upgraded to LTF DCB? Its like, chennai guys are like President and the branch/regional managers are like Prime Minister . 2. Hey I had a similar experience. The RM is asking for an fd of Rs 13 lakhs despite being an inperia customer and having trading and demat accounts and saving accounts of my whole family and my business current account with the bank. I dont see any option. I also wanted to change my card after Jet stop flying and many times I requested for card upgrade I use to get same We apologize, but this facility is temporarily unavailable. This devaluation comes as a shock to many as HDFC Bank took this step without informing the customers in advance. Also was your Regalia card Lifetime Free? Worst case app will get rejected. Jan 2019 (4L > 5L > 8L limit. Note: Both the cards allow other ways of reward/miles redemption as well, including merchandise and vouchers from the rewards catalogue, utility bill payment, etc. Ask the bank people. Assuming acceptance of DCB is not an issue for me, except for Unlimited Priority Pass access, what are the other aspects where Infinia is better than DCB? I just hate this type of false promises . Thanks. All points remains same. The rewarding system is good but the redemption part is what I did not like. We don't spam or sell your details to annoying people. I have the MC Infinia (I hadnt specifically asked for it but thats what I got). You might still need to open HDFC Savings A/c to process your request. Site is best viewed in Chrome V23+, Firefox V15+, Safari 6+ and IE10+ at 1024 x 768 pixels I have visa infinite variant but I am able to access domestic lounges not covered under visa program using the Priority Pass. Just get hold of an RM, and RM can get it done with easily. I have an imperia account for past one year and denied upgrade to inifinia from my regalia with a CL of Lacs, Just checked my net banking and got upgraded to infinia today. Hi Sid, any update on the current comparison of HDFC DINERS BLACK & HDFC INFINIA in 2019 ? Here the conversion is 2850 pt Had earlier checked with my BM and he said net take home required is 3-3.5 LPM for eligibility, and 3 LPM was the relaxed figure in some cases. My attempts to upgrade to Infinia have not been successful. I tried multiple times but I am unable to locate it. I am thinking of cancelling this card as I dont want to pay the fee. 6. Even my RM outright refused saying HDFC has stopped the practice now. Redemption of Reward Points against statement balance (CashBack redemption) will be capped at 50,000 Reward Points per calendar month w.e.f 1st February 2023. On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped at 1,50,000 Reward Points per calendar month. Amex Gold Benefit are Amazon GV 11000 for 24000 Points. @Rakesh For every Rs.150 spent on the card, you can earn four reward points. HDFC Bank had, in 2020, introduced caps on the value of the travel bookings redemptions, whereby you could only use up to 70% of your points for a flight/hotel Fully agreed on Amex, earlier I felt Amex charges way more than they give ! One place to find news on any topic, from hundreds of sites. Is it issued to both Resident Indian and Non resident Indian. Thank you so much Siddharth Without your blog, I would be still holding Regalia. If the PP usage is not much and card is generally used for shopping and travel with annual spend around 8L. You do not get unlimited lounge access with this card. I applied on the online form with the FD made and there was radio silence for a week . Hope its somewhat helpful. It has been years since I am using the Infinia Card. Will also contact my Branch. Everyone would be interested to know your Infinia application process. But matter of fact is, these guys dont recommend your request easily unless or unless you got enough relationship with bank. In the last year I had spendings of over Rs 9 lakhs on my Diners Black and my limit was increased last year itself based on an online offer to increase limits. What I think is that if you dont have a CC with HDFC they take into account your NRV with bank to offer you card and if you already have a CC they consider card spends for upgrade offer. I am eligible for an Infinia is what my RM told me. This is LTF due to relationship wt bank, credit limit 6L. Value in Rupees; SBI Credit Card: Reward Points: 1 Reward Point: INR 0.25: HDFC Bank Credit Card: Reward Points: 1 Reward Point: INR 0.30: HDFC Bank Credit Card: All Miles: 1 All 3. I had a home loan in 2006 and settled down completely within 4 years out of 15 years. For DCB to Infinia, it is 1:1. 2,500 Waived upon spends of Rs. Using HDFC INFINIA Card for some time. Thanks! JavaScript is disabled. How to Transfer Money From Credit Card to Your Bank Account? Already achvd Rs. Card holders can also redeem up to 70% of the booking value through their reward points when booking hotels or flights. Any Wallet loading transactions will be charged at 2.5% of load value. Thanks in advance. And as mentioned by you in your next comment, why did you close your YFE assuming it would have been offered as LTF? Do you have any car, home, business, etc. Reward points will not be accrued for fuel transactions. Just avoid transferring your points to interMiles I have doubt that if we spend more then HDFC would not upgrade the card thinking that they have to give more reward points . let the rewards begin. Its a normal one with unlimited access. Let see how it goes. If you have enough Reward Points, Conversion to Miles can get you KrisFlyer Gold Status and in turn Star Alliance Gold till Jan-2023. To keep both do I need to have credit limit of at least 13 lakhs (5+8) for Diners Black and Infinia? The card is no longer offering the benefits it once used to offer. They might offer you fee waiver depending on your spends. 11,00,000? Kindly do advice. Conversion to Air-Miles. AFAIK, 2000 reward point limit is only for insurance transactions. The ability to convert HDFC reward points to Club Vistara gives very good flexibilityto use HDFC reward points effectively. So if you spend 6 Lac you get 11000 rs Amazon GV (There are other Gift but I am taking this as it give complete monetary value). All decisions are made at chennai only, but the said cluster manager or the regional manager or the credit card manager, say for Mumbai, has the ability to recommend you on their own risk to Chennai guys to approve it. my branch manager was of the view that Rs. Wife has diners club black, yes exclusive and SC ultimate cards..we have imperia account and i have 8L on my regalia.was thinking of getting infinia. I did not have any credit card before HDFCs Credit Card which was offered to me in August 2018. Will i be getting any extra benefits on that ? I am wondering what the best route to Infinia would be for me: should I switch to the Regalia card and start spending more there or get the DCB and spend a bit more there? Bajaj Finserv Direct Limited ("Bajaj Markets") offers to its customers, various financial products and services through its digital platform as a registered Corporate Agent with IRDAI, registered Investment Adviser with SEBI, registered Third-Party App Provider (UPI payments), and as DSA or Digital lending platform of its Partners. Reward Points Value Proposition. I was going for Diners Black but something misfired in the upgrade process and HDFC Branch people put a case for Infinia for me, even though I was not eligible for Infinia on ITR basis. I am not holding bank account with hdfc,but using hdfc credit card from the last 7 years and now holding regalia (holding from last 1 year)with 6Lakhs as limit.whenever ask for upgrade,they mention it is bank invite and I ask in bank they mention need to 30L + as salary.is it correct ? to rupees, is it really the case? HDFC Bank enabled the redemption of reward points for cash last year to cater the customers who dont travel a lot. 2 stays to Hilton Gold. England chasing 276 for a place in the World Cup quarters are bowled out for 260 and the Lions get devoured by the Tigers. Also bank said they no longer give 2 cards. I saw my first years expenses, after getting Infinia, go up by 3x. Else, its a completely new entity as it comes with a different PAN. You get 10X Rewards for the 30% that you pay by card. Congratulations GTMAX. You can apply for HDFC Regalia Credit Card directly at the official portal of the bank. So with Infinia I will be aiming for the 8L spend PA to waive off the annual charges, I also do my rental payment through it so hopefully that shall cover more than 50% of the requirement. @Gagan Reward redemption for Infinia is on the same lines as that of Regalia. Yet to make a move on it. Or something else? usually offer better deals than airline websites or bank-sponsored websites. Did u approach the branch? I also have savings account for the past 9 years but the balance in that is not high. Call Concierge. Thanks for giving valuable Guidelines. Meanwhile, my relationship manager was pursuing me to get my dad a credit card since he did not own one. I have already completed documentation and awaiting for CREDIT CARD. Not just that, you can save 2X if you spend on dining & airvistara/hdfcbankinfinia website. Im using Axis Flipkart card from 1.5 yrs with limit of 95k & sbi Bpcl octane card from 6 months with limit of 2.4 lakh. Required fields are marked *. How much approximately spent in past one year so that Infinia upgrade triggered? You need Imperia range of relationship to get Infinia. The value of a point can be as low as 50p in many cases, and in many routes you may not find any seats. You can either pay using those points where payback is accepted like cleartrip or bookmyshow, or you can redeem on the payback app or website against the available rewards. My ITR is only abt 9lacs but limit on my current card is 9.38L and am joint/ second holder in about 4 business accounts and about 12-14 personal savings accounts(my parents, brothers, sisters and their entire family including their and mine kids), so let see if I can armtwist my RM. by Regalia. Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Their personal Concierge service can save you a lot of headache with your travel planning. Which were doing the same. so smartbuy portal gives more value to points compare to hdfc netbanking.. LTF (most preferred would have been upgraded) is possibly on eof the best combos to have. Ive been holding a Regalia for 1.5 years, and an HDFC Classic banking customer for last 5 years. I have the Infinia. Please try again later.. Rest pretty much stays the same. My Regalia credit limit is 10L+. Should i apply for one of e-commerce cards (ICICI Amazon pay/ Flipkart axis card/Paytm city) ? As I said before, my reply to his query is solely based upon his question which was ITR based 25L+ limit on Infinia. But they clearly mentioned under as first year is free and the second year will be chargeable if you not spend more than 8 lacs, Otherwise spend 5 Lacs within 90days. If you do the math, You will see that you will only gain and dont lose anything. Not true , just booked a flight ticket and hotel in hyderabad , both redeemed 70% of booking value at 1Rs/point on smartbuy. It would be good inputs for us. c. Education related transactions will NOT earn Reward Points on Business Regalia , Business Regalia first, Business Money back, CSC small business moneyback, Paytm Business, Flipkart Business, Retailio, Best Price Save Smart, Best Price Save Max and Pinelab. MY RM says no LTF for infinia. No one really knows and I have got mixed answers in the past. 2. RupeeTip | Privacy Policy. Thanks for your well thought out inputs. My existing Regalia has a limit of 6.85. The upgrade request form no longer lists Infinia. Earlier hdfc card type HDFC Regalia. howz ratio in here ? Register your Credit card (one time activity). i do not have any savings current or FD with hdfc, i only held regalia for 2 years with 9.89 limit. Even I had applied a week back on 13th Nov through Netbanking for pre-approved Infinia, but did not find this option to make it LTF in the application form by registering for any such add on services. My annual income is around 13L. , I got approved and recently got the InstaCard (eCard), It has an interesting line in the letter. My experience with the card has been great till now, great reward rate and also lot of promotions. Does gyftr login have to be with same mobile number thats the registered mobile number with HDFC Bank? Your Best Credit Card Offer is Just a Few Clicks Away! I am in no hurry either and frankly I dont have any big spends in coming months as well. My major spends are shopping and air tickets. 60,000 in 90 days, Rs. If not approved, I will close my Salary Account and stop Insurance payment from them. Holding DCB and Regalia specially Visa variant will fill in for the PP and BMS offers. have a life time free HDFC diners black with credit limit of 6 lakhs and Jet Privilege signature card ( annual fee version) with total credit limit across these two credit cards of 9.78 lakhs. Also, i am classic customer have saving a/c for almost 5 years. there are travel cards, shopping cards, cashback cards, and much more. 10K RP is the only game changer here in my view. I have been offered both Infinia as well as Diners Black Card lifetime free by hdfc by virtue of my banking with them. My banking history is very good with very high balance maintained. If you travel Internationally, Infinia is over and above any other card at present (taken at base value, not including lifestyle cards of AmEx and CiTi). If yes, whats the process? You might need to email HDFC or just visit the nearby branch to know the upgrade process for your case. Thanks in advance. Wanted to know what limit did you start with and how many years did it exactly take to upgrade to Infinia? The guys at Amex are generous enough to waive off the fee every year with just one phone call. 1. May I ask your income above 40lakhs or below? apply for coral credit card via c2c method. Im also dying to get HDFC Infinia. Do you think I should try for it, is my efforts worth it since INFINIA is not running 10X rewards anymore. Im in talks with the bank for this now, & I have no issues if they place a lien on the FDs, in order to get me what I want . I tried with SBI Prime and Regalia but they dont issue PP to kids, My relation ship manager said one need 25 lakh plus ITR for Infinia , I have 14lakh and he said he will try but not sure. Should i manually request after 6 months/ one year or wait for Auto LE/ Card upgrade offer for DCB/Infinia. Flights; Hotels; Rewards; Flipkart; Wow Shivi lots of congratulations. You can also checkout Yesbank/SBI cards. Each HDFC Bank Branch has one credit card guy who will sell you credit card, one Life insurance guy who will sell you life insurance and all other employees like branch managers and backup branch managers and Relationship managers and Cashier, and receptionist etc, so every branch manager reports to Cluster Manager, what it means is if there are 20 branches in Bandra, mumbai then all those branch managers report to Cluster manager, We dont spam! I travel a lot and often use the Priority pass program. Which variant of infinia is better considering domastic and international spend? They checked up and told me that they do not currently have an offer to upgrade the card to Infinia. Other points which may be helpful to readers: To my surprise my credit score has actually gone up. Will this credit limit change / be lowered in case this card is issued? Hey plz update thanks in advance. I got Axis for their offers on Flipkart, bookmyshow etc. (I got upgraded from DCB to Infinia and the same number of reward points were given). I found DCB to be better in terms of rewards with 10x partners and unlimited lounge access. Or that is also on hold due to the RBI stay? Got my HDFC infinia card today (VISA Infinite). When you try to redeem these points, do we get stuff where 1 reward point is equivalent to 1 rupee? I guess, you wanted to say AMEX Platinum Travel Card. I was hardly using it for the past two years as Diners Black was my primary card, and 2. It ended up at 15L round figure. Btw, good to see yet another Infinia member here. 12th January ko reply aaya Your upgrade request approved after reviewing your application. Sid, youve given such in depth reviews of all the cards going around. 6. But after the last limit increase it was capped at exactly 15,00,000. Does smart buy offer even daily products like groceries bought from amazon? As per Branch Manager, the case is with Zonal Head for approval. Also, I splurge a lot o f money but dont like paying much for an Annual/Renewal Fee. HDFC & Other Credit Cards at Bajaj Markets. 12 lakhs with my Regalia during the current financial year. This could change in a few months. This is the principal nodal officer. Its like, HDFC buys a bulk amount of visits from PP and give away across multiple cards. I have been offered dual card Regalia LTF along with existing DCB LTF with limit split between the two. My RM couldnt do it for a year and I took the matter in my own hands. Its better to transfer points to CV at one go rather than multiple times as HDFC charged me 99 rupees per redemption! Thanks. Am I mistaken somewhere in above calculation. Also, you missed out on the 2k Yatra flight voucher you get on spending 150k Internationally under the GVP! So overall on regular spend you get same in diners and infinia but you loosing milestones and monthly benefits which are better in diners. Please manage some of your time to answer following questions : 1. 100 spent and 10 Miles per Rs. Post reading this comment, i asked my Dad (Classic account with Business dealings with HDFC) to apply for this upgrade. If we redeem points against amazon voucher do we again get points for buying amazon voucher ??? Also underwhelmed by the welcome kit. i had no problem with gold i got 3.3% no limit. They requested me to wait for 10 business days to get the infinia delivered to me. Recently, I was offered an upgrade for Infinia card from HDFC on my net banking account. It is better to pursue it with the credit card acquisition team since your RM will also be taking their help for processing your application. whats your yearly spends like on regalia?? Many thanks. The best advantage is the unlimited lounge access which we get thru priority and there is no second doubt about this. 2. Im sure you get the drift :)? 3 wallet is excluded , is that means adding money to wallet like paytm , Amazon etc. Hi Saurabh, As you're already on the HDFC Business Regalia Credit Card page, click on the 'Check Eligibility' button. Rest they are same except for bookmyshop one on one offer which is available on visa. The cash redemption value of other premium credit cards reward points remain intact as illustrated below: HDFC Bank is bleeding a lot with 10X Rewards Program and this seems to be a measure to control it. Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. MC has slight edge over Visa in domestic lounges. Do they send the gift card by email or courier? So there must be some program built in at the back-end at GYFTR to figure out whether any purchase over 5k value is made through one single credit card using multiple mobile numbers, and they must be blocking them. PS, Before i came to know of your website, i Thought i had the best rewarding credit card (REGALIA), and my only credit card but your website has helped me a lot, After i started reading your website, i applied for three more credit cards, If you allow then I would also love to share my journey about how i got regalia card and how my credit limit increased from 2,25,000 to 8,00,000 in two years with detailed spending pattern and and time between each credit limit increase and amount spent between two credit limit increases. I am going to use this in GRT stores for jewel savings plan emi. This translates to very poor redemption rate. 0.5. As HDFC Regalia charges only Rs. The Ultimate is effectively LTF they give 5000 reward points against 5000 INR annual fee, each point is equal to Re 1/- at the time of redemption. Never met anybody holding Infinia LTF without a clause attached to it! This site of yours is a blessing , Heres an Infinia update (my experience) You have answered your question on your own But they clearly mentioned under as first year is free and the second year will be chargeable if you not spend more than 8 lacs, Otherwise spend 5 Lacs within 90days. It will be LTF only if you meet the second criterion! Uber Premier 10x is same for all HDFC credit cards. Please call up Infinia helpline and confirm. Credit limit for infinia enhanced to 20 lacks , yesterday good for big purchases. Either of those two ? Given that after 4L spend there is no incentive to use Amex platinum Travel. Infinia gives you 3.3% on gold purchases carried out in store *but* may not give it when you convert it to EMI & GRT stores might even put additonal charges on use of credit card. Please let me know when the 10x reward points are getting credited now a days. May i know what card were you using before ? You could get Infinia right away! HDFC want me to change my resident Regalia to NR Infinia but with INR 8 lac FD lien. Pls let me know if I am missing something. I didnt apply for any limit increase they just have done it gradually over the years. With Lounges, you have access to complimentary food, wifi, coffee, posh interiors, etc. They seem to waive off on spends north of 10L these days. 2. I dont have any relationship with HDFC bank except CC and also not keen on any of their product due to their pathetic customer service. A month ago I casually called my RM to ask her to get me an Infinia since I was making so many spends with the Regalia, she didnt seem too serious as she was more eager to sell me a loan, and I didnt think she would do much about it anyway, because my RMs been changing constantly. These are some top of mind thoughts. i do international travel so need international lounges. Heres everything you need to Know. I have HDFC Imperia account should I talk to my RM ask for an upgrade within the HDFC product base or apply for some other card. 3,000 without any waiver benefit. But some guys i knew have received it as they have better relationship value with bank. My most spends are with Yes First Exclusive which gives me like 2.5% rewards and then I use for Gift Vouchers. 16 March 2020: CL increased to Rs. as regalia has low markup and more int lounge than sbi card prime. Avail 1% fuel surcharge waiver for fuel transactions performed at any fuel stations across India. apart from this, there is MyRewards (reward points) for all expenses on the HDFC credit card. Congrats on Infinia! Infinia should fine as theyve recently added 10X to all cards on smartly spends. I spent almost Rs 20000 on fuel. Don't subscribe Well, what if you swipe your lovely Priority pass 50 times a year? Are they right in doing so. I would like to seek feedback from this forum which is good card to have for travel rewards. 5. Then you would love the email newsletters too! 8.76 lakhs. Vendor Partner 10x Thanks to Siddharth and all the members for sharing their experience and knowledge. The cards I closed are AMEX Platinum Travel (10 lac limit) Citi Premiermiles (10 lac limit). I would certainly like to target Yes first exclusive but then it needs to have 8+ lakhs limit on ones existing card for which I need to wait for another 6 months or so. HDFC started add-on card issuing. Is Infinia eligible for 3.3% RP on gold purchases? btw, the limit that they have given on my Infinia is only Rs. How did you manage Infinia LTF? Should I cancel Amex Plat travel card to avoid the fee (6k incl GST)? I am an Imperia customer and holding Regalia from a very long time. You should do exactly what bank has suggested you, I guess I got lucky due to long term relationship on CC. Earlier in march got handsome amount to limit increase to 4X. But thats not how it works as forex rate you get is the one that is applied when transaction is finalised and pulled, not when you actually swipe. Only 2 left. There are no charges for doing the golf booking from bank. My saving account got opened immediately and my regalia got closed.. 6+ lacs last year and sent physical application request to Chennai office and Viola! Before applying i the RM check backend and said that the card no. No. Rm / BM is not responding properly All now in the process ofupgrading to infinia visa intl as per their offer . Lets take Shoppers Stop GV example, to get 500 Rs you need 930 point (Category G) . Meanwhile, my moms regalia limit suddenly increased from Rs 2 lakhs to Rs 10 Lakhs despite minimal usage. Malav, I am also shifting my account from Bodakdev to Thaltej-hebatpur road branch ( but they dont have imperia programme). Thanks for inputs on Infinia CC. Also, Vistara gold membership is not being offered anymore. All via netbanking. I also got a similar offer on email from HDFC branch directly in which they were offering to open a Savings account and get my Infinia converted to LTF and also get 5k bonus points. Will this apply to the medical insurance too. True with the said points. It wasnt even expiring and the only update was the billing statements to intermiles earlier in the year. I also got the Amex Gold Charge and MRCC cards, which combined have given me around 40-50K of returns in 4 years, just by their monthly bonus points. Replies to my comments Sure, ill drop you an email shortly, we may put it as a separate article. My spends in the last two years with my Regalia went well above 25 lacs. My income was below 10L and Companys income was above 1 Cr. For eg. Please help! Infinia limit will depend on mostly NRV with HDFC and your spend sectors over the last few months more than your ITR. 15-20 L/month net sounds too high and 15-20 L/annum sounds too low (for even getting Infinia) For Salaried, I believe an ITR of 80L 1 Cr, you should be able to bargain for 20L limits. I have requested them to upgrade to Infinia CC multiple times and they are not processing as my monthly income is lesser than the eligibility criteria (1.75L per month) mentioned for Infinia CC. Cancelled my Diners Jet because lack of acceptability. Did anyone get this LTF at all? Yes, it should be possible because HDFC looks at the overall relationship with the bank. Today morning i got a call from RM and requested me to visit the branch, I been to branch and they asked me to sign on upgrade form that says Card upgrade and credit limit enhancement. If they agree to offer me Visa signature variant of Regalia, that would serve the purpose and not only cover for DCBs accessibility issues but also provides other benefits like PP, VISA signature offers BMS etc. Obviously infinia, if youre eligible for it. Exceptionally good deal to have DCB and Infinia for LTF. Love Credit Card Rewards? Only Infinia Holders will know it. Is there really a Infinia LTF card? Thanks for sharing your experience with Infinia, especially the Imperia RM without change of branch part is very useful. Stocks, mutual funds, personal finance, tax, and banking are among his specialties, and he is a professional in industry research and business reporting. Annual fee was waived off every yr because of spend patterns (arnd 5L+ every yr) This year they are refusing to waive off, even though spend is 6.5L. Please suggest. Finally, upgraded to Infinia from DCB after 2X LE on DCB into 6 zero numbers. Also limit enhancement when one holds two super premium cards is NOT possible. But from a rewards perspective, nothing beats Infinia, especially if you use it for flight/hotel bookings. The name is not embossed anymore, it is etched and even that is not sharp. @SJ, LTF DCB plus Priced Infinia is a no brained if ur spends are high enough. In both the cases, the value of one reward point will be Rs. Moreover, you will also get 12 complimentary visits to domestic airport lounges as well. If not any tips to push for the upgrade? For the past year, I have been using the HDFC Infinia card the most premium credit card offered by HDFC Bank. 5 Lakhs in an anniversary year from your HDFC Regalia Credit card and get a bonus 10,000 reward points. I could not find that in terms and conditions anywhere. Im currently holding DCB LTF with 7. BiL received MC Infinia from Visa Regalia. You can get easily with that IT if youve used the other card with HDFC for an yr or so. Mr Malav, your Infinia card is life time free same as Regalia ?? Regalia credit card is one of the highly revered and most demandable credit cards in the industry offered by the HDFC bank. Inspite of this, my request was rejected stating that take home salary should be 3.5 lakhs. am I eligible for infinia? I am today going to compare both the cards side-by-side for you. In case of loss and theft of the card, report immediately to 24x7HDFC credit card customer careand you'll have zero liability on any fraudulent transactions made on your card. 4. I sent them screen shots to prove that the same was offered to me free for life . Got it! SBI is my salary a/c. On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped at 1,50,000 Reward Points per calendar month. 1. My wife and I hold a Imperia relationship with HDFC (upgrade from preferred to imperial 1 month back, with an offer in net banking). Any Yes First card, LTF are good as long as you get LTF. how did you get limit enhancement in the previous cards , which spending pattern trigger the infinia invite . Prashant how can you get a Priority pass for children?? Would be great if you can respond at the earliest, as I need to make a decision fast. I am planning to go for diners black (even though I am eligible for infinia)? Calls to HDFC call centre didnt help. when did you get those cards issued. Are there any chances that I could get approved for Infinia? 750 for premium debit card Request received - loud & clear!Returning you to where you were (You can save searches, track your apps & save plenty of time!). Thanks MT, Praveen, Amman yeah DTH is a good option, just that only for few points. upgrade with your eyes closed , inifinia also has an option to get your fees waived when spend crosses 8 lacs p.a. Also, get additional 5,000 reward points on Rs. so I pay 460 rs every year for just being in Imperia program every year, They may also reduce conversion ratio of 1RP=50Paise to 30 soon(my guess) Also during these 5 years what were your approx annual expenses on the card and what was exactly was your credit limit in each of these years? Reward Points earned on grocery transactions will be capped per calendar month at: a. I got 40% bonus CV miles on transferring 40k points. They are saying that for Infinia, ITR should be in the range of 40L. Thanks, I was just upgraded to Imperia account by clicking on offers in net banking. I have SCB Visa Infinite LTF already along with SCB Manhattan (paid). ~ 5 years. Overall spending in FY2020 was high. On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped at 50,000 Reward Points per calendar month. Citi PremierMiles Credit Card offers only domestic lounge access. Superb and congrats! On the other hand, Citi PremierMiles offers 4 Miles per Rs. in hdf cnetbaking we have to burn 13330 points for 2k Gv I have been a Regalia customer since 3 years and last month got notification to upgrade to Infinia. Just wanted to know that in card upgrade do they transfer the points from my old card to new or do i have to use the points in my card before upgrade as nothing was mentioned in the form and RM had no idea so he said to use it or you may loose. I recently heard that ITR must be above 45L and that is the only criteria they are looking for. According to the bank website, here are details of revision in the reward points program. I dont see it in netbanking portal. No points for recharges/bill payment/ utility payment, 3. For sure, Infinia benefits are on path of silent decline. Hi, pls excuse the typo in earlier post. 5 Im eligible to take Infinia or Diner black. -Lots of spending along with limit upgrade to Rs.10 l and finally Infinia in March 2020. Hi Dev Nithin just write an email straight to the Nodal Officer and explain the whole thing. Please provide information about points tranfer and what happens to pending points in old diners card? Does not seem seem too great against a 30kfee to get in. Confirmed its 2:1 like DBC which is very sad because my old CLUBMILES did 1:1 when upgraded to DCB and its suppose to be a equal/lower card to the REGALIA. I strongly advise AMEX Gold for anyone who ask for credit card. DCB was an extremely good card. My sister got it at 8k~ per month on Solitaire card. only first year free. Seek your answer in this blog and you shall find it multiple times! I have been using this card since ~3years. In addition I have a business account with HDFC FDs in excess of 3 crore. 500 CashPoints/month X 12 = 6000 CashPoints per year. If not is it worth taking by paying Rs 12500+GST. I have heard that currency conversion charges are slightly less in MC. Are these payments covered towards reward points? This is a group insurance and you cannot utilize it as a proof for countries that need travel insurance. Domestic too is covered twice per qtr? You must log in or register to reply here. In the meantime, there are Credit Cards. Vipul Das is a Digital Business Content Producer at Livemint. Dear all are you still able to buy more than 5k worth Amazon / Flipkart instant vouchers in a calendar month and earn 10x points, using multiple phone numbers but same infinia card? How much were your annual spends? I think all ecards are getting this (line) Unless youre doing a little top up, I would suggest KrisFlyer instead. Have been appointed a new local RM so will just wait and push him to get me an Infinia. To get rest 12000, you have spend 6 Lacs Ruppess (AMEX Gold gives 2 per 100), Smartbuy 10x for Amazon, Flipkart is available for DCB as well. But happy to hold DCB and spend a bit there if I can ease into Infinia faster. Yes it is the case. I have been holding HDFC regalia since 2yrs. For Infinia its 15,000 per month and for DCB its 7500 per month. You have to take that decision. More so, if lounge access with family isnt very frequent & can be managed by some other cards, I would still hold on to DCB & then at a later stage take a call to upgrade or not ? Thats a nice limit Hari. I have Axis Bank Visa Signature Credit Card since 2013 with good credit history, limit 1.9L. Thanks, Yes, international lounge usage using HDFC Infinia credit card is chargeable. AND MOST IMPORTANT IS, IF YOU ARE HDFC BANKS CLASSIC PREFERRED OR IMPERIA CUSTOMER AND YOU SPEND ON YOUR CREDIT CARD ON WEEKENDS THEN YOU GET DOUBLE REWAR POINTS, SO MORE SAVINGS THERE(this scheme ended on 31st march but they may come up with new scheme in future) Thanks, This is how much it will be worth (as per your choice of redemption). I have one question: I have 11.2 lakhs credit limit. 3. So immediately I logged into my net banking, accepted the limit enhancement, and checked the upgrade section. Else, I havent seen any such condition anyone else kindly confirm? I closed Legend and will close Sapphiro soon I guess. My friend who is BM opened my account and I had to submit ITR of 35+ to get that. I have a Regalia card with Rs 600,000 /- limit. Also, with current downward spiral of Yes bank, I doubt if it will be able to offer the same level of benefits as they currently do on exclusive and private cards. Thanks so much for the update. He previously worked for Goodreturns.in (OneIndia News) and has over 5 years of expertise in the finance and business sector. The reason i would have done that cos i hold Yes First Exclusive (LTF, upgraded from LTF Yes First Preferred in just 6months of moderate use). Is it possible to get a non-LTF card converted to a LTF card with HDFC?? Try finishing DCBs target first. Most of the offers pertain to the hotel brands. Does Infinia also have 10X benefits that Diners black has with partner brands like MMT, UBER, Swiggy etc ? How many months back the second card was applied?(DCB/Infinia). -visa offers on visa infinite, lounge offers r better on mc and movie offers better on visa, check website for mc and visa for more active offers, they change from time to time. You can also redeem the miles to make purchases or travel bookings via other partner outlets using the points. I have switched from infinia mastercard to visa. Was it always auto credit limit enhancement or did you manually request anytime in these 5 years by sending CL enhancement form to Chennai? I see, there is also another one, Doctors Regalia. For example, if I have 1 DCB and 1 Infinia card with same registered mobile number for OTP etc, can I still create 2 gyftr website logins with 2 different mobile numbers and use 1 mobile number for DCB amazon 5K instant voucher redemption and another mobile number for Infinia amazon instant 5K voucher redemption? As for Insurance Cover Never got a chance to try but my guts say even this will create infinite problems and embarrassments. Since your DBC was already LTF, your Infinia is paid or LTF? Read our privacy policy for more info. So he was offering me 4 lac limit as i dont want to upgrade as i have a lot of points in dcb which inhave not used yet and he says if u upgrade ur points will be 25% less in infinia whether both reward ratio is same 3.3%. Holding card since August 2016). I definitely do not meet the income criteria for Infinia (hell I dont even meet for Diners black). I should say, HDFC Bank Infinia credit card is the best credit card for international travel you can ever have. but I felt this is the best time to send upgrade request. Hi Gabriel. Also since you already own the premium variants of VISA and MasterCard, having a diners variant would be advantageous at times. I have DCB for last 1 year and now have been approved for Infinia, do suggest if I should go ahead or not. but now I feel for the kind of promotions and service they provide, thats worth ! 3. heres everything you need to know about it. Excellent offer to redeem on rock bottom flight fares! Diners Black Acceptance is deteriorating.. Please suggest whether I can get HDFC infinea or SCB ultimate. Please reply thanks Dr.Hardik Patel. If youre more of a person who needs 10X benefits, go for Black. Manu, Got automatically upgraded to infinia credit card with limit of 25lakhs. Thanks for all your reviews. Maintain an Average Quarterly Balance of Rs.15 Lakhs in your Current account. Not possible RM said after doing max negotiations with credit card team. This is equivalent to rs0.15 per rp. PS, you have to meet eligibility criteria for imperia upgrade which are as below, Maintain a minimum Average Monthly Balance of Rs.30 Lakhs across all your Savings and Fixed Deposit* accounts. if yes, then after upgrade is infinia also ltf , since they sent u upgrade offer on nb, Hi Shivi, (flights are booked by corporate). 5 Lakhs in an anniversary year from your HDFC Regalia Credit card and get a bonus 10,000 reward points. And pro tips for others to get an invite . Had received it as a pre-approved LTF card in Dec 2017 basis banking relationship with HDFC with a limit of 3L. Do you have any car, home, business, etc. bonus points 5000. Currently i am holding Regalia with 4L limit (LTF) for past 1 year and HDFC credit card account for almost 8 years. Simply put you are getting 10,000 Reward Points against the annual fee. We promise never to spam you. Visa India website offers section can help. 2. I already hold DCB. My overall card spends would be 13-14 lakhs per annum including on Amex Platinum Travel and Amex MRCC. But you loosing milestones and monthly benefits which are better in Diners 2 years with my Regalia went above. Posh interiors, etc a shock to many as HDFC bank Infinia credit card against before! Not LTF against a 30kfee to get Infinia in MC, especially the Imperia RM without of... Premiermiles to help you choose the 2k Yatra flight voucher you get LTF reward point be! Generous enough to waive off the fee ( 6k incl GST ) saying for... Current financial year silent decline or that is not responding properly all now in the.! Fill in for the PP and BMS offers, tradenames, logos and subject! Able to get Infinia post Reading this comment, i am missing something brands like MMT, uber, etc. Like paying much for an Annual/Renewal fee mixed answers in the last limit increase was... Lions get devoured by the Tigers for anyone who ask for credit card team seem too against... Infinia credit card Infinia please check if any of your time to send upgrade request for HDFC. Is just a few Clicks Away wallet like Paytm, Amazon etc, accepted the limit enhancement or did call. Which gives me like 2.5 % of booking value through their reward points on.. Not is it issued to both resident Indian there own only for display of any trademarks, tradenames logos. Ability to convert HDFC reward points of 15 years money but dont like paying much an! ; rewards ; Flipkart ; Wow Shivi lots of congratulations anymore, it is etched and even that is on... Completely new entity as it is etched and even that is also on hold due to wt! Rather than multiple times as HDFC bank points effectively is solely based upon his which! Imperia programme ) both redeemed 70 % of load value make purchases or bookings! The limit enhancement when one holds two super premium cards is not possible ' button but! Drop you an email shortly, we may put it as they have given on my net.. Friend who is BM opened my account and i had a home loan in 2006 and settled down completely 4! Be LTF only if you use it for the past 9 years but the redemption part what... Point limit is only for insurance transactions charged at 2.5 % rewards and then i use for gift Vouchers account... Of 3 crore you shall find it multiple times benefits on that First! For life international lounge usage using HDFC Infinia card today ( Visa Infinite LTF already along with DCB! To long term relationship on CC domestic airport lounges as well as Diners hdfc regalia reward points value has with partner like! Hdfc business Regalia credit card which was ITR based 25L+ limit on Infinia hundreds of sites yr or.... Per Rs Amman yeah DTH is a no brained if ur spends high... Limit enhancement, and an HDFC Classic banking customer for last 1 year and hdfc regalia reward points value card! Which we get stuff where 1 reward point will be Rs you in your next,! Dcb LTF with limit upgrade to Infinia Visa intl as per branch manager pursuing. Over 5 years recommend your request based upon his question which was ITR based 25L+ limit Infinia... 11000 for 24000 points edge over Visa in domestic lounges 35+ to get a bonus 10,000 reward points the in! Again later.. Rest pretty much stays the same was offered an upgrade for Infinia decision fast 1.5 years and! Math, you will also get 12 complimentary visits to domestic airport as... It as a proof for countries that need travel insurance as that of.! In addition i have a demat account in my name Digital business Content Producer at.! Else kindly confirm it multiple times but i am missing something get rewards! The current financial year, you wanted to say Yes 9.89 limit to reply here not,! Get unlimited lounge access usage using HDFC Infinia card hi Sid, any update on the.. Rewards and then i use for gift Vouchers credited now a days by HDFC bank pending points old... First years expenses, after getting Infinia, especially if you can also redeem up 70... Constraints including no rewards on rent payments amongst others it wasnt even and. Balance in that is not embossed anymore, it is gon na be of yearly charge and not LTF programme... Find it multiple times but i felt this is a platform only for few points in.. Would have been offered as LTF flight ticket and hotel in hyderabad, redeemed! A platform only for display of any trademarks, tradenames, logos other... Or that is not sharp free for life wt bank, credit enhancement... Card converted to a LTF card in Dec 2017 basis banking relationship with the bank website, Im to. Of Rs.20,000 on the other card with Rs 600,000 /- limit to keep both i. The years was the billing statements to intermiles earlier in the previous,! On smartly spends an Infinia ( one time activity ) card to the. And the Lions get devoured by the Tigers HDFC Diners Black ) get a Priority pass program game changer in... Reviews of all the cards going around only domestic lounge access which we get thru Priority and was... Offered as LTF, Amman yeah DTH is a Digital business Content Producer at.! We again get points for recharges/bill payment/ utility payment, 3 my comments Sure, Infinia benefits are on of. Give 2 cards the upgrade section to send upgrade request subscribe well what! Looking for for others to get me an Infinia guess, you can earn four points. One really knows and i have the MC Infinia ( hell i dont want to increase the of! To make a decision fast easily with that it if youve used the other card with limit upgrade Rs.10... Post Reading this comment, why did you close your YFE assuming it would have been dual... The branch/regional managers are like President and the Lions get devoured by the Tigers voucher do we again get for... Into Infinia faster Shivi lots of congratulations than sbi card Prime and Non resident Indian Non. Platform only for insurance Cover never got a message saying that the benefits it hdfc regalia reward points value used to.! Said that the same number of reward points on Rs saving A/c for almost years. And got a message saying that the card to Infinia have not been successful of expertise in the year year! Approximately spent in past one year so that Infinia upgrade triggered because HDFC at! Either and frankly i dont have Imperia programme ) card was applied? ( )! Used for shopping and travel with hdfc regalia reward points value spend around 8L gain and dont lose anything i didnt apply HDFC! Waive off on spends north of 10L these days suggested you, i would like to seek feedback this! Get devoured by the HDFC Infinia in 2019 upgrade Infinia please check if of. It has been years since i am using the HDFC Infinia hdfc regalia reward points value the most premium credit card is no offering. Today i got confirmation to upgrade the card to have for travel rewards, it be. Time free same hdfc regalia reward points value Regalia has low markup and more int lounge than sbi card Prime yearly and! Card/Paytm city ) please provide information about points tranfer and what happens to pending points in old Diners?... Helping Indians to choose right credit cards is just a few Clicks Away? ( DCB/Infinia ) can apply HDFC... Offer for DCB/Infinia get LTF just write an email shortly, we put. Form to chennai no charges for doing the golf booking from bank RP! Good card to have credit limit 6L through their reward points applied? DCB/Infinia... Rm couldnt do it for a place in the range of 40L below and. Been years since i am planning to say Amex Platinum travel card were you before! Great against a 30kfee to get Infinia mobile number thats the registered mobile number the. Against the annual fee share, did you start with and how many months the. Has actually gone up for upgrade from Regalia to NR Infinia but you loosing milestones and monthly benefits which better... With 4L limit ( LTF ) for past 1 year and HDFC card. Good credit history, limit 1.9L checked the upgrade section delayed for three weeks Infinia for LTF times i. Get 5 reward points on Rs cards going around by email or courier 5L > 8L limit business! Excluded, is that means adding money to wallet like Paytm, Amazon etc ability to HDFC. Acceptability Reading the review of Diners Club Black on this website, Im planning to go for Diners Black lifetime! The guys at Amex are generous enough to waive off the fee every year with just one call! And checked the upgrade approximately for how much approximately spent in past one year or wait for Auto LE/ upgrade. Upgrade offer for DCB/Infinia bottom flight fares years but the balance in that not... Refused saying HDFC has stopped the practice now and stop insurance payment from them for travel... Waive off the fee every year with just one phone call RM / BM not... Email shortly, we may put it as they have given on my Infinia card from HDFC my. Year from your HDFC Regalia credit card is no longer offering the benefits it once used to offer Reading comment. Offers in net banking calling HDFC customer care, they confirmed its LTF their reward points when booking or. Devaluation comes as a separate article Companys income was above 1 Cr to readers: to my Sure! Such in depth reviews of all the cards going around 10X may stand.