Have been using regalia since 3_ years, they have increased my limit on regalia itself upto 11L plus, but never offered upgrade, so now i m pursuing them for upgrade.
One the three criteria should be met for infinia, no matter which card you are on: 1. Salary more than 42L PA 2. Keep an fd with the bank of Rs. 25L and above. 3. Buy their ULIP plan paying annually 2L. This is very workable.
The approach to business cards is different compared to regular cards. You can try sending an email to Grievance.Redressalcc@hdfcbank.com to try for an upgrade .
Sir, I also have business Regalia, Do I shift to regular regalia or DCB to upgrade, because I think, they do not upgrade business Regalia to any upper category?
Hi Sir. Current limits se farak padega. When I started my journey, my limits were less than 1 lakh with hdfc. The limit increase happens slowly only. What is your current limit and which card do you use?
it's funny that hdfc keeps increasing other people's limit but struggle to do mine , from past 3.5 years it only went from 1.2 to 1.9 lakh , i do have 25+ lakh of credit limit in other of my credit cards , is this the reason?
Mere pass 13.68 lacks ki limit hai Aur ye card muje lifetime free hai Infiniya se pehele mere pass regalia Card Tha bank ne muje upgrade Karke diya hai Bus time pe payment Karo Limit ka 60 persent he use Karo Card per koi EMI hai to time se Pele Payment karo
This year I got my upgrade and moved to millennia from regalia first . I have used regalia first for almost 1.5 years. Now I got a credit limit increase from 5lakh to 6 lakh. Should I stay with millennia or should I request a dinners black?
Bro apka phly kitna limit the aue Avi present mein apko kinta limit Increase ka offer aaya hi .. app kitna din se regalia first credit card use kar rahi ho ?
Mera pass mein hdfc ka regalia credit card limit 2 lakhs but mera 15 munth se limit increase h ni hora h jab ke aj tk hum minimum due or late payment aj tk ni kiye always full payment before bill genarate tab mera ni limit increase hora hi use bhi 30% se below hota h mera pass itr aur salary slip ni h kya kare???
Not sure if you will respond on old video, but can you guide will hdfc give me infinia LTF if i am applying for home loan with them? I have salary account with them since last 6 months & my existing highest limit with ICICI is 6.8L, cibil above 780+ or any other ltf card should i try such as DCB? At first they was saying for regelia but i said no, i want infinia ltf only else dcb ltf.
@@dugarniraj many getting ltf/fyf infinia bro based on such kinda situations, but I am also aware they won't give ltf infinia so easily, but I can try below things: 1. Infinia fyf & then chargeable or chargeable from start 2. DCB plastic/metal ltf (haven't heard anything about not giving) Suddenly pre-approved regalia is showing for upgrade but not gonna do, kindly advise
Hi, you said you get 5x or 16.67 percent on Shoppers Stop purchases. Is this achieved using gyftr instant vouchers? If yes, are Shoppers Stop vouchers removed because I can't see them anymore.
Hi Keshav ji. You need to request for an upgrade. Bank will not do it. You can write an email to the bank at the address mentioned in the description box.
12500 reward points हर बार मिलेंगे जब भी renewal fee pay की जाएगी या only first year? और 12500 rewards points 12500 rupees के बराबर हर चीज के लिए होंगे या किसी खास category में ही 12500 की वैल्यू meet होगी?
Niraj ji im using hdfc business regalia first card and offer to update business regalia first to business regalia. Should i update or stay on same card as my credit limit is 300000 rght nw.
Hey Niraj, Going through your videos nice work!! Please let me know one thing, are milestone benefits not applicable for HDFC Regalia lifetime free credit card?
mujh firs credit card hdfc regaliya mila hai limit 7 lakh 7 hjar ,yearly use not more than 2 lakh to mere limit approx kitney din mey 8 lakh ho jaye ga
I got upgrade offer of Millenia but it's free for first yr n chargeable from nxt year, bank said it will not become life time free, what's ur thought should i take it or wait for ltf? Or in future they will make it life time free?
sir mera limit 9.2L hai. dinner black me.. mera dinner black life time free hai. mai bhi infinia lena chahta hu.. or reward points ko Tanishq me kaise use kare. 1p=1rs
Hi Ankit Ji. You can request an upgrade to infinia by writing an email to the address mentioned in description. Once you get the card, you’ll be able to redeem rewards.
I got Regalia from get go as my first HDFC card now the problem is there are no card for me to upgrade to after Diners devaluation except Infinia for that I need 8L limit minimum meh am rekt !
I'm holding classic account amb 5L and 3L fd but i got money-back with 50k limit before opening account,itr only 7L but i have sbi prime with 10L limit,which will be best way to get infinia faster?
Send them sbi statement and ask for credit limit increase time to time like every year And after limit reaches 8-10L ask for infinia It will take time...
Case to case, it depends You have good relationship with hdfc and so much High limit in SBI Everything is possible in banking depending upon relationship No harm in asking or negotiating with your relationship manager
Hi Brother, I have a regalia with limit of 12L and using it for more than 5yrs now. i have absolutely clean payment history. but still i havent recieved any upgrade. however if i now apply for infinia whats are the chances of getting it. also my regalia is LTF. based upon this and the extended relationship with HDFC, is there a chance that they give LTF inifinia. Thanks
No sir. It comes with an annual fee of INR 12.5 that can be reversed on spends of INR 10 lakhs. If you pay the fee, you get 12,500 points in return. Hope this helped?
Great video brother. One query from my end: I have regalia and amex mrcc. i have a credit limit of 4L in regalia but i'm doing 3-4L per annum in it for the past 3 years. i do another 50k-60k in amex. will i get an upgrade to Infinia if I request visiting the HDFC home branch or mailing them showcasing my expense?
@@dugarniraj oh okay. Perfect. Thanks for the info brother. Do you feel regalia is the best card for expenses I do in a year or do you have any better alternatives for it?
@@dugarniraj yes. I do the same but when we go beyond the metro cities it’s hard to find merchants who accept Amex. But I use Amex in the remaining scenarios unless there is a cash back in HDFC
can i reach out to you on any number to check my case. i have good credit limit but with other banks cards. how should i approach my case with hdfc. i am new to hdfc and would like to make my case of infinia. pls let me know if there is any email which can help me connect with you
![What Credit Cards You Should Have by INCOME? [Detailed Review]](http://i.ytimg.com/vi/RsQFUJGXeHQ/mqdefault.jpg)
Nice Unibrow
LMAO. Thank you. But I hope you took away more than that from the video..hahahah
almost like rick from rick and morty
My first card was also Regalia First too in 2018. In upgraded to DCB in Feb 2022. I upgraded to Infinia in Aug 2022
Awesome congratulations
I GOT INFINIA VIA UPDARD MY REGALIA CARD AND IT TOOKS ME 2 YEARS ONLY
I got it in 2 weeks.
Have been using regalia since 3_ years, they have increased my limit on regalia itself upto 11L plus, but never offered upgrade, so now i m pursuing them for upgrade.
You need to write to them
Similar Journey with almost 10 years relationship with HDFC Bank.
HDFC Money Back > Regalia First > Regalia > Regalia Gold > Infinia.
had no existing credit card relationship with hdfc bank, applied through card to card 10 lacs limit
Awesome
From which card
One the three criteria should be met for infinia, no matter which card you are on:
1. Salary more than 42L PA
2. Keep an fd with the bank of Rs. 25L and above.
3. Buy their ULIP plan paying annually 2L.
This is very workable.
I have Business regalia card with limit 691000 for more than a year. Yet I am not being offered DIners club Black or Infinia.
The approach to business cards is different compared to regular cards. You can try sending an email to Grievance.Redressalcc@hdfcbank.com to try for an upgrade .
Sir, I also have business Regalia, Do I shift to regular regalia or DCB to upgrade, because I think, they do not upgrade business Regalia to any upper category?
Apke pass hdfc ka konsa saving account he plz mention that
Normal savings account. Account type doesn’t really matter for credit card.
@@dugarniraj really mujhe laga premium card ke liye premium account chahiye hoga
No sir :) just the credit limit or your income
@@dugarniraj thank you sir for your information 🙏
aap ki starting limit kitne or kitne time k bad kitne bde poore journey btao sir
Hi Sir. Current limits se farak padega. When I started my journey, my limits were less than 1 lakh with hdfc. The limit increase happens slowly only. What is your current limit and which card do you use?
@@dugarniraj sir kitne saal me limit hui 8 lakh above
@@dugarniraj Hye When U Got First Card? After How Many Years U Got Infinia?
I am soon going to upgrade to Infinia as well, Right now using Regalia.
Very informative video bro. Keep it up.✌️
Thanks. Go for the upgrade
Did you upgrade to Infinia from Regalia?
it's funny that hdfc keeps increasing other people's limit but struggle to do mine , from past 3.5 years it only went from 1.2 to 1.9 lakh , i do have 25+ lakh of credit limit in other of my credit cards , is this the reason?
No..you may not be spending on the hdfc card because of other cards you got?
Please make video on HDFC Biz black
waiting for my card to come :D
Mere pass 13.68 lacks ki limit hai
Aur ye card muje lifetime free hai
Infiniya se pehele mere pass regalia
Card Tha bank ne muje upgrade
Karke diya hai
Bus time pe payment Karo
Limit ka 60 persent he use Karo
Card per koi EMI hai to time se Pele
Payment karo
Fantastic sir
kya apne kabhi emi loan kia tha credit card pr?
@akashgsjera you got infinity metal ltf?
I have hdfc shoppers stop with 5.1lakh limit, can I upgrade to regalia...Asking coz shoppers stop is co branded and regalia is a regular card.
You can try but you need higher credit limit. 5 is not enough
@@dugarniraj how much limit needed to upgrade to regalia
Why you chose You First HDFC Card Regalia, Why Not Millennia Please Answer...?
no specific reason
This year I got my upgrade and moved to millennia from regalia first . I have used regalia first for almost 1.5 years. Now I got a credit limit increase from 5lakh to 6 lakh. Should I stay with millennia or should I request a dinners black?
You can consider moving up since infinia and the new proposed card will only be possible as you move up!
Bro apka phly kitna limit the aue Avi present mein apko kinta limit Increase ka offer aaya hi .. app kitna din se regalia first credit card use kar rahi ho ?
Mera pass mein hdfc ka regalia credit card limit 2 lakhs but mera 15 munth se limit increase h ni hora h jab ke aj tk hum minimum due or late payment aj tk ni kiye always full payment before bill genarate tab mera ni limit increase hora hi use bhi 30% se below hota h mera pass itr aur salary slip ni h kya kare???
Generally card limits are increased at the discretion of the bank. Aap bank ko call kar sakte hai.
If the credit limit in CIBIL in > 15 L on other HDFC cards, would that still be a criteria for approval. I have no banking relation with HDFC
Likely. You should write to hdfc once
Agar entry level card ko life time free kr lete hain to kya jo upgraded card bhe life times free ho gayega k nhe hdfc me
No you have to pay. Exceptional cases they are made LTF
Not sure if you will respond on old video, but can you guide will hdfc give me infinia LTF if i am applying for home loan with them? I have salary account with them since last 6 months & my existing highest limit with ICICI is 6.8L, cibil above 780+ or any other ltf card should i try such as DCB? At first they was saying for regelia but i said no, i want infinia ltf only else dcb ltf.
I don’t think ltf is possible. Also, why ltf?
@@dugarniraj many getting ltf/fyf infinia bro based on such kinda situations, but I am also aware they won't give ltf infinia so easily, but I can try below things:
1. Infinia fyf & then chargeable or chargeable from start
2. DCB plastic/metal ltf (haven't heard anything about not giving)
Suddenly pre-approved regalia is showing for upgrade but not gonna do, kindly advise
In how much time hdfc bank provides upgrade and limit enhancement currently I'm using business moneyback credit card
They revert to emails in a couple of days generally
I'm your 99th subscriber.. 😊
Thank you Mayank. I hope you like my videos. Do let me know your interests in the finance space 🙌🏻
Sir … meri credit limit 14 lakh ho gyee hai … Business Regalia hai … Infinia kaise milega
Hi. You can write an email to the email address I have added in description and request for an upgrade. Do let me know if they accept your request.
@@dugarniraj Email kr diya hai unko … accept hoga to jarur aapko inform karunga thank you
@@ArvindRana007 Accept hua kya?
@@akashkumardash6918 nhi hua sir ….. maine jumbo loan le rkha hai … shyad uski wajah se cancel hua ho
loan Lene se bank rate limit jaldi badhata hai Na???
Hi, you said you get 5x or 16.67 percent on Shoppers Stop purchases. Is this achieved using gyftr instant vouchers? If yes, are Shoppers Stop vouchers removed because I can't see them anymore.
not sure sir..I have used it in the past..
did you try on axis?
Hi do we get any income tax notice like SFT 06 on spending more than 10L in FY on this particular card to get fee reversal please ??
spends should be a result of income. if you spend more than you earn i.e. you manufacture spends, then you might get.
My limit is 9,77,000/- But my card never upgraded from starting journey. Still my card is diners premium. Why it is so??
Hi Keshav ji. You need to request for an upgrade. Bank will not do it. You can write an email to the bank at the address mentioned in the description box.
Bhai infinia Card to card base pe approve hota hai he kya?
no :(
12500 reward points हर बार मिलेंगे जब भी renewal fee pay की जाएगी या only first year? और 12500 rewards points 12500 rupees के बराबर हर चीज के लिए होंगे या किसी खास category में ही 12500 की वैल्यू meet होगी?
Every year on renewal. You can use it to redeem on smart buy for flights / hotels / Tanishq vouchers / apple products
LTF he…?
Nahi sir
Niraj ji im using hdfc business regalia first card and offer to update business regalia first to business regalia. Should i update or stay on same card as my credit limit is 300000 rght nw.
You can upgrade. Never leave free upgrades on table.
@@dugarniraj thnks
Nice informative video, I am using the diners black, is it better to upgrade to infinia? what was your thought process?
yes infinia is better than diners. its acceptable everywhere.
Does having multiple card decreases chance of getting high credit limit card ?
It doesn’t. Pay on time and ensure that usage per card isn’t high
Hey Niraj,
Going through your videos nice work!!
Please let me know one thing, are milestone benefits not applicable for HDFC Regalia lifetime free credit card?
It’s applicable. There is no mention of this in the terms
mujh firs credit card hdfc regaliya mila hai limit 7 lakh 7 hjar ,yearly use not more than 2 lakh to mere limit approx kitney din mey 8 lakh ho jaye ga
they need to see your spends also now..
Please review Citibank Premiermiles card
Sir diners club lete usme rewards acha he
Between diners and infinia, infinia is better and widely acceptable.
I got upgrade offer of Millenia but it's free for first yr n chargeable from nxt year, bank said it will not become life time free, what's ur thought should i take it or wait for ltf? Or in future they will make it life time free?
the whole approach to asking for LTF cards is wrong. You must check if the value you get vs. what you pay is feasible for you or not.
sir mera limit 9.2L hai. dinner black me.. mera dinner black life time free hai. mai bhi infinia lena chahta hu.. or reward points ko Tanishq me kaise use kare. 1p=1rs
sir apple ya Tanishq me kaise use kare. 1rp=1rs please help 🙏
Hi Ankit Ji. You can request an upgrade to infinia by writing an email to the address mentioned in description. Once you get the card, you’ll be able to redeem rewards.
Once you get infinia, you can use those points and redeem on smart buy portal sir. Hope this helps
@@dugarniraj yes sir thanks
bhai limit kitne kitne bde
I got Regalia from get go as my first HDFC card now the problem is there are no card for me to upgrade to after Diners devaluation except Infinia for that I need 8L limit minimum meh am rekt !
8 lakhs limit of 40 plus lakhs of income 😅
I'm holding classic account amb 5L and 3L fd but i got money-back with 50k limit before opening account,itr only 7L but i have sbi prime with 10L limit,which will be best way to get infinia faster?
Send them sbi statement and ask for credit limit increase time to time like every year
And after limit reaches 8-10L ask for infinia
It will take time...
@@ssamim C2C allowed?
Case to case, it depends
You have good relationship with hdfc and so much High limit in SBI
Everything is possible in banking depending upon relationship
No harm in asking or negotiating with your relationship manager
@@ssamim thanks
How do we know that Infinia is going to come up with ever more super premium card?
We don’t know but there is always a possibility
Hi Brother,
I have a regalia with limit of 12L and using it for more than 5yrs now. i have absolutely clean payment history. but still i havent recieved any upgrade. however if i now apply for infinia whats are the chances of getting it. also my regalia is LTF. based upon this and the extended relationship with HDFC, is there a chance that they give LTF inifinia.
Thanks
LTF doesn’t matter in infinia. You should be able to get it. Pls talk to customer care
Is it lifetime free?
No sir. It comes with an annual fee of INR 12.5 that can be reversed on spends of INR 10 lakhs. If you pay the fee, you get 12,500 points in return. Hope this helped?
Finfluencer sir 🙏
😋😋
Great video brother. One query from my end: I have regalia and amex mrcc. i have a credit limit of 4L in regalia but i'm doing 3-4L per annum in it for the past 3 years. i do another 50k-60k in amex. will i get an upgrade to Infinia if I request visiting the HDFC home branch or mailing them showcasing my expense?
No. Your income needs to be 40 lakhs plus for infinia or credit limit above 8 lakhs.
@@dugarniraj oh okay. Perfect. Thanks for the info brother. Do you feel regalia is the best card for expenses I do in a year or do you have any better alternatives for it?
I would spend on Amex for better rewards rate.
@@dugarniraj yes. I do the same but when we go beyond the metro cities it’s hard to find merchants who accept Amex. But I use Amex in the remaining scenarios unless there is a cash back in HDFC
Thanks perfect. All online spends I route through Amex.
Hindi!
French
can i reach out to you on any number to check my case. i have good credit limit but with other banks cards. how should i approach my case with hdfc. i am new to hdfc and would like to make my case of infinia. pls let me know if there is any email which can help me connect with you