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Hi..I have been invited to choose Regalia or Infinia but I need to pay Rs.10,000 a year for infinia and for Regalia its lifetime free. I need to spend 8 lakhs a year to get lifetime free in Infinia. So why is everybody excited about Infinia? The points in regalia is 4x and infinia is 5x. Regalia is 6 complimentary lounge access which is enough for me. I dont see any reason to take Infinia. So why are you so happy. Really curious.
मुझे HDFC Regalia First Card se Business Regalia Card main upgrade krna h to kr skta hoon na.... Upgrade form ke sath main Koi Documents attech krna pdenga kya. Please Reply 🙏
Today I hv got a offer from HDFC to upgrade my existing Regalia to Infinia as life time free.. its unbelievable to me... is it true? Should I go for it? Pls suggest sir ASAP
Want to know something I m having preferred family banking account with HDFC. so for calculating NRV of my account will they consider each account individual or on a whole. As in my account there are very less transactions as compared to other accounts. Getting INFENIA depends uopn your NRV to a great extent.
I have recently upgraded from business money back credit card to business Regalia credit card.. but I like melenia credit card... How shall I get melenia credit card... Can you explain.. please
Bhai i have upgraded my account to Preferred banking account recently do i ha e to maintain 2 Lacs mandatory or i can maintain less also? If i maintain less will i be charged non maintenance charges?? Please reply
Sir, mujhe bhi kal message aya hai hdfc bank ka ke regalia card ko infinia me upgrade karlo koi bhi joining fees nahi. Magar uski annual fees kitni hai ye message me nahi bataya. Iski annual fees kitni hai sir? Meri Regalia card ki limit 15 Lakh hai.
@@TechnoFino my regalia limit is 3L i spent 2L already if i pay 1.5L before statement day will it be considered as less than 30% use or the first time spending only is considered ?
I have HDFC regalia credit card limit of 13.80lk and it is Life time free card I got card upgrade offer HDFC infinia but i have to pay 10000 annual charges.,.what to do plz suggest it is worth to pay 10k charges or I have to stick with my regalia which is free
Such a Inspiring story for Infinia Fans. Infinia is even my dream in my last 6 years of Relationship witht HDFC Bank I have also gone through experiences like you have gone through. Anyway congrats on this Short term Achievement. This makes me feel like posting a letter to HDFC Chennai instead of talking with a useless RM who never values you.
@@roninr8199 They are very Good at selling their Insurance/Savings Plan. Even if they sound's very interesting, doing some math will make us realise how they could sell Shit as Gold. Bank doesn't have much profit selling Infinia . So we have to take initiation and keep trying for it.
RM's are useless I agree, in my case as well my RM was unaware of credit cards available in HDFC, every time I ask her a question she would say I will call you back with the details. She even tried to fool me by thinking that I don't know anything about credit cards. Finally, I got Regalia without taking her help.
Bhai for me icici bank gave 7,40,000 limited increase from 47,000 limit I know people won't believe but I can prove it by my credit card statements 😍 I am using basic icici platinum credit card which is a free card
@Best Moments 😂 last year eak laptop aur mobile leliya abhi hdfc regalia offer huya he but apply nehin kar raha hu jyada credit card se cibil down hoga
jis jis ne bi moriturim lya sabki limit down ki hai jisne nahi lya moriturim oski limit phele jitni hai meri full limit hai jo phele the lockdown mai bi full bill pay kye maine
I got an upgrade from 20,000 limit to directly 4.1lac limit on my ICICI amazon pay credit card, after using it for more than 18 months. Every month I used to spend 20,000 never bothered of 30% utilization concept.
Abhi to NetBanking se to card upgrade hota hi nahi. Waha likha hota he k this facility is currently unavailable. Mera regalia first he ugrade krna he regalia me.
Hi bro, Hope you are well. I got an offer to upgrade from "Regalia First" to "Millennia" & wanted your opinion on it. I wanted the Diners Black Card or the Regalia Credit card. But those pre-approved offers are not there in my Net-banking. Should i upgrade or wait like you did for the best variant (Infinia or Diners Black or Regalia). Please guide....:)
Start to maine Regalia se kiya hai, limit bhi thik thak lakho me diya hai par ek baar bhi limit enhancement ka offer nahi aaya. Bus credit card pe loan ka hi offer din raat bhejte rahte hain. Chalo koi baat nahi, waise bhi mujhe life time free jyada pasand hai Infinia ke tag se.
There is something not clear... 1 lakh limit and 30% utlisation, ie 30k month ... i) absolutely no chance for 6L limit enhancement.... ii) HDFC (or any other bank) will not entertain CC holders to talk with regional heads for upgrade/CL enhancement with just classic/preferred status... That is why you are not willing to share your spend/ account management details, which is actually the crucial part in this video. what might have helped you must be this Channel, all financial institutions are afraid of social media, and therefore regalia holder with 1L limit may please don't dream of INFINIA (based on this video).. This method will simply will not work for everyone. .
Believing or not is totally depends on you.... no one knows about my youtube channel here.... and hdfc bank is not a small bank.... they don't afraid of youtube channel like technofino..... This was my experience... and this not work for all ...
@@TechnoFino brother, u misunderstood me.. there are thousands like me who wait for your videos.. there is nothing like disbelieving , but there are more between the lines that you didn't tell us. you claim to have relationship with HDFC hardly 1.5 yrs, Classic status initially then preferred. all fine. . For a normal customer,without income proof, with 30000 spend a month, limit enhancement to 6Lakhs, with just 1.5yrs relationship status????? no chance... u must be special.
Bro I can't tell everything about balance maintenance and my total spending.... 😁 Maine 30% se nicha rakkha tha bill.... yea 100% sach hai.... 🙂 but ha... mai lucky tha... mujhe 6 lakhs ka limit jump mila aur infinia bhi mil gaya.... 🙂
@@sudheepravi in credit card group I have noticed that someone else also got limit enhancement from few 1000s to lakhs so it is possible but how only bank knows. Might be or might be not he is hiding something but even I feel his youtube channel helped. My story is 10+years with hdfc 6+lakh limit, had a special invitation because I used my card overseas and funny part was had a token number which means it is a pre approved upgrade but after submitting papers it got rejected and reason was I did not furnish 60 lakh ITR 😂😂 Few things to remember is until before pandemic infinia is given only to ultra RICH. Now the card is devalued after covid and just to get 12k I bet bank is giving the card to all. Very soon in few months hdfc would come out with another super premium card above infinia and again De value infinia 😂 I currently heard many people cancelling dcb and infinia after De value and pandemic and people who are experienced with bank actually don't career for hdfc cards. Now they might be market leader but in long run it would affect them.
does it matter ke required MAB only savings balance me hi maintain kiya jaye? I mean agar main TRV such as savings max me 1.5lk ki FD rakhu ya us se zada ka ye better hai ya sirf SB balance me hi dhyan dena chahiye??? plz make it clear
Nothing matters I have 0balance account with hdfc which is lowest ever categorized account and i got preapproved credit card regalia first just after 6 months and limit was 1.5 lakh 😂😂lol
Bhai agar mene more than 30% use kiya and then before statement date bhar diya... Phir chalega for such limit jump/upgrade? Ya phir yeh 30% mark cross hi na kare?
Sir I have 2 lakh fd credit card limit.. My account 6 month old.. Mene month me 200-1000 Rs spent kiye ... Kya me C to C apply kar sakta hu dusri bank me? Or limit kitani milegi bhai? Please riplay
One hdfc credit card department person said if u apply credit card without income proog via classic account u can't get limit enhancement in future? Is it true?
@@mohammedtabrez3119 it won't. It is purely based on their mood. Considering the card has been devalued now it might be bit easy but previously even though I had invitation I could not get infinia.
Hdfc ka biggest problem Hai old customers ko honor nahi karte. Muje kuch imperial customers pata Hai jinko infinia nahi mila 😂😂. Muje bhi infinia invitation tha aur ek branch account open karke bolke card reject ho gaya. Mein Mumbai hq tak escalate Kiya aur woh bole ki galti hogai maghar card nahi denge 😂😂 Lekin abhi devalue hone ke baad mein tho dcb se happy hu que ki 12k fee waiver 5 lakh spend pe mil jayega, every month 1k gift voucher milega if 80k spend Kiya tho. Aab thak mein Saal pe 3 times le chuka hu worth 3k 😁addon card ka bhi free hogaya Hai airport lounge. Ek cheez to paka aap bauth lucky ho 😁 lekin aap 10x Amazon aur flipkart ka miss kardiya 😀
Hi, I ve upgraded my account in classic, after getting HDFC regalia card( when HDFC starts issuing new credit card, as of now HDFC not issuing new credit card), if I convert my classic account in normal savings account, then will my card be active or not, plz reply, my cibil above 770. Credit history above 4+ years, no late payment till now. Holding SBI, ICICI, CITI, Indus credit card.
Ami 2017 te account khulechilam. 6 month por pre approved offer e money back card issue hoi with 40k limit. Tarporei aste aste limit bar te thake and ekhon regila card use korchi 350000 limit. But pray onektai spent kora hoi card theke. Ekhono sei vabe limit ba upgrade offer ase ni. Account maintenance balance kono prob nei. But infinia card er jonno savings account upgrade kora mandatory...?
Mene may 2020 me first cc lia tha , August me cred app pe score check kiya to 520 around aya 1. Mene sare bill time pe bhare h 2. Me points earn krne k liye amazon fk pe frds ka payment kr deta tha unse pese le k turnt ya kuch din baad bill bhar deta tha 3. Mene axis bank me fd against cc liya tha bad me mene wo cc band krwa diya tha Kya in points me kuch karn h jiski vaja se mera socre down hua
Sir mera relationship value acha hai Hdfc bank me Muze credit card ka pre-approved offer chodke auto loan, bike loan personal loan offer hai credit card offer kab milega
TechnoFino till now i was using my HDFC card only. Its utilised more than 30%. But as per total limit is concerned as per CIBIL. then the limit utilised is less than 15%. Will it help or we should focus particularly each cards. ?
Brother after open HDFC Bank classic account open if get HDFC Ragilia card so after that I can downgraded my classic account in normal savings account in 10,000 Rs
I'm getting upgrade offer from regalia to business regalia. Is there any benefit if I take this upgrade? Only benefit I see it this is life time free card and regalia was paid. But anyways I never paid any fee because of meeting 3 lac waiver
@@TechnoFino Thanks for the quick reply. My current limit is 4.8 lacs. Is it possible to get upgrade to Diners Black by sending the upgrade form to chennai?
Sir I have one small doubt it I maintain AMB balance of 1 lack rupees for one month then I will be eligible for classic account or how many months do I need to maintain to become classic member in HDFC bank
What happens in the scenario if my LTF regalia card gets stolen and i receive a new regalia card. Will the LTF feature remain for the new card or should i start using smart pay again?
You can easily get infinia, just fillup credit card upgrade form and send it to hdfc Chennai office address, no need to attach any income document, they will upgrade your card on the basis of your credit limit
Mera joint account hai classic , 30 % k below use bhi kar raha, 3.5 year pahle regalia first mila fir Jan '21 se millenia hai par update nahi ho raha, pls advice
As you say that if we have a classic account with hdfc bank we get credit card without any income proof. Tell me how to do it, i also have classic account with hdfc.
@@TechnoFino When I asked my rm, she said I have to wait for the pre-approved offer to show in my netbanking. I guess even she doesn't know about this, please help me about this. The reason behind opening a classic account was to get a good cc. I have a CIBIL of 770+, but i dont have income proof as i am a student. Please help.
@@TechnoFino Okay thanks for your suggestion and I will consider doing it. But are you sure that the Bank issues cc like this to classic account holders?
Bhai itana sab kon karata hai sirf credit card ke liye... Just pay your bills, loan on time.. You will get good credit cards lifetime free. At the end, it's all liability which has to pay on time.
@@TechnoFino got moneyback card using it from 2 months its limit is 50k when i will get upgrade or limit enhancement?? Can i cross 30% utililization ratio and pay to the card before generation of bill and get my bil below 30% is it good
On 4th jan through net banking I got upgrade from my existing regalia first card to infinia visa card truly LTF. Can see the 1st 3 digits and the last 4 digits in net banking on the same moment. Still so far i haven't received my card, didn't even got the dispatch message. Last message i got was my existing card will get deactivated automatically on the usage of new card or before 03rd March. No message after that. I'm from Bengaluru, usually it doesn't take this much time for card delivery here. Has anyone got their card delivered yet in this new year LTF infinia or DB offer????
I have students account opened 10yrs back still a student account and I got regelia first with my salary slip in 2017. Now my salary is above 1L I applied for a fresh regelia they declined and gave millenia
Sulam bujhlm valo lgto. But ami SBI SIMPLY SAVE CREDIT CARD use korchi pray 3 years and 2,90,000 limit card er first time thk but akhno limit upgrade ba card upgrade no offer . Ami time to time payment Kori.. civil score vlo.m but why ? Amr 800+
Brother last 6-7 month ago I was got Regalia first card after that last month I got Regalia card upgrade so I accept but still limit same as a 3 Lakh and the main thing I got life time free Regalia card, now I am waiting for infinnia, is possible to get infinnia card
Sir Mera bhi A/C HDFC me Hai 2018 July savi/ Act 10000 maintenance 6 month go credit card apply kiya Bharat Cashback credit card mila card Limit 12000 tha 6 month go credit limit increase 35000 4 month Go credit limit increase 55000 FIR card upgrade ka offer Ayaa March 2019 moneyback credit card FIR credit card ka upgrade ka offer Aaya December 2018 regalia first credit credit limit increase 150000 Hai aap ka video Dekha Tha Ab Soch Raha Hun 25000 maintenance account kar loo
Did u got any application reference number from HDFC bank via sms for your Upgradation request. If yes how long it took ? I send an Upgradation request to Chennai office 2 weeks before and there is no response from their side.
Brother I have HDFC Ragilia card since 6 months but today I got upgrade SMS for upgrade in HDFC Miiiena credit card, bit Milliken's card so lover then Ragilia
Sir can you please confirm if your HDFC credit card limit is indicated on CIBIL credit report, mine is not indicated on CIBIL credit report, but when I inquired with HDFC customer care, they told me that they don’t indicate any HDFC card holder limit to CIBIL.
@@TechnoFino Ok sir, In that case how CIBIL will calculate my credit utilisation for the month i.e. if I have utilised below 30% or more then 30% of the limit.
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Sir jin cards se upgrade kiya hai kya woh bandh ho gaye ya abhi chalu hai
flipkart axis bank card me ₹500 ka voucher kitne din me aa jata h??
HDFC classic bank account mae family member ke account ko kaise add kar sakte hai
Bhai mera credit score 764 hai kya main sbi y hdfc credit card ko aply kar sakta hun or kya card mil sakta hai or konsa card aply karu
Mere comment ka reply to kiya nahi sir apne abhi tak
That was quite impressive incredible move from regalia first to * Infinia *
Hi..I have been invited to choose Regalia or Infinia but I need to pay Rs.10,000 a year for infinia and for Regalia its lifetime free. I need to spend 8 lakhs a year to get lifetime free in Infinia. So why is everybody excited about Infinia? The points in regalia is 4x and infinia is 5x. Regalia is 6 complimentary lounge access which is enough for me. I dont see any reason to take Infinia. So why are you so happy. Really curious.
dear ye bataiye regalia achcha hai ya regalia first?
mere pas regalia hai jise ab regalia first me upgrade ka option aaya hai.
Was all of this life time free or paid card?
Is it possible that I will get Infinia offer on my HDFC millenia cc ? I already have a limit of around 12L
मुझे HDFC Regalia First Card se Business Regalia Card main upgrade krna h to kr skta hoon na.... Upgrade form ke sath main Koi Documents attech krna pdenga kya. Please Reply 🙏
Agar apka business hai to apko ITR sen d karna hoga
Today I hv got a offer from HDFC to upgrade my existing Regalia to Infinia as life time free.. its unbelievable to me... is it true? Should I go for it? Pls suggest sir ASAP
Regalia limit how much sir
How much is your limit?
Bro card ko 90/100% use nahi kar sakte???
100% har month use karne me kya problem he???
Want to know something
I m having preferred family banking account with HDFC.
so for calculating NRV of my account will they consider each account individual or on a whole. As in my account there are very less transactions as compared to other accounts.
Getting INFENIA depends uopn your NRV to a great extent.
Should i upgrade to infinia from free regilia, i am having Amazon pay cc, Flipkart axis cc.. I will do lot of online shopping
Meine HDFC mein kuch months pehle preferred account khola tha ... Recently card offers aaye ... Apply kiya meine ... HDFC business moneyback card offer mein tha
I have recently upgraded from business money back credit card to business Regalia credit card.. but I like melenia credit card... How shall I get melenia credit card... Can you explain.. please
Bhai i have upgraded my account to Preferred banking account recently do i ha e to maintain 2 Lacs mandatory or i can maintain less also? If i maintain less will i be charged non maintenance charges??
Please reply
Ask your your he will be the best person to answer this question
Sir, mujhe bhi kal message aya hai hdfc bank ka ke regalia card ko infinia me upgrade karlo koi bhi joining fees nahi. Magar uski annual fees kitni hai ye message me nahi bataya. Iski annual fees kitni hai sir? Meri Regalia card ki limit 15 Lakh hai.
Did you maintain 30% usage when the limit is 7.13lakh ?
Yes... less than 30% .... sometimes 5% sometimes 25%
@@TechnoFino
my regalia limit is 3L
i spent 2L already
if i pay 1.5L before statement day
will it be considered as less than 30% use or the first time spending only is considered ?
@@vineethr9660
No .. spending is considered only to calculate ratio
Which district you opened your hdfc account and where r u from ???
I have HDFC regalia credit card limit of 13.80lk and it is Life time free card I got card upgrade offer HDFC infinia but i have to pay 10000 annual charges.,.what to do plz suggest it is worth to pay 10k charges or I have to stick with my regalia which is free
Try your luck by contacting CC division and requesting them to offer it LTF for you.
Such a Inspiring story for Infinia Fans. Infinia is even my dream in my last 6 years of Relationship witht HDFC Bank I have also gone through experiences like you have gone through. Anyway congrats on this Short term Achievement. This makes me feel like posting a letter to HDFC Chennai instead of talking with a useless RM who never values you.
I don't know what other work RM has and how they are sticking with their jobs.
@@roninr8199 They are very Good at selling their Insurance/Savings Plan. Even if they sound's very interesting, doing some math will make us realise how they could sell Shit as Gold.
Bank doesn't have much profit selling Infinia . So we have to take initiation and keep trying for it.
RM's are useless I agree, in my case as well my RM was unaware of credit cards available in HDFC, every time I ask her a question she would say I will call you back with the details. She even tried to fool me by thinking that I don't know anything about credit cards. Finally, I got Regalia without taking her help.
Bhai for me icici bank gave 7,40,000 limited increase from 47,000 limit I know people won't believe but I can prove it by my credit card statements 😍 I am using basic icici platinum credit card which is a free card
@Best Moments 😂 last year eak laptop aur mobile leliya abhi hdfc regalia offer huya he but apply nehin kar raha hu jyada credit card se cibil down hoga
jis jis ne bi moriturim lya sabki limit down ki hai jisne nahi lya moriturim oski limit phele jitni hai meri full limit hai jo phele the lockdown mai bi full bill pay kye maine
Bro can you please share the screenshot?
@@mohammedtabrez3119 ok kaha pe karo
@@gurdeepsingh0786 share the link through Google drive! Btw what's your ITR?
Sir apke sath jo employee misbehave kiya wo batana
Boss today I am very happy because I upgraded from Regalia to Infinia I got the lifetime free I always watch your video thank you boss!
Congratulations zaved
@@hannad007 Thank you Sir
what was initial limit
@@YashAgarwalTech 8lakh
Congratulations sir. Previously regalia limit how much?
I got an upgrade from 20,000 limit to directly 4.1lac limit on my ICICI amazon pay credit card, after using it for more than 18 months. Every month I used to spend 20,000 never bothered of 30% utilization concept.
Congratulations....
Get HDFC Regalia.
Bro I'm not getting upgrade...any suggestions
Did your limit get reduced for infinia card? If so by how much.
Nope... no reduction
When you upgrade your credit card, do the pending payments get transferred to the new card ?
Yes
@@TechnoFino thank you 😊
Great Information in a very simple way to undersatand. Truly loved and liked the way you have explained
Abhi to NetBanking se to card upgrade hota hi nahi. Waha likha hota he k this facility is currently unavailable. Mera regalia first he ugrade krna he regalia me.
I am using Regalia first followed by Regalia for two and half years. I only have limit of 4.5 lakhs :((
Infinia ka talaash chal raha hai :((
Can you please create a video to compare Regalia gold with dcb ?
Hi bro, Hope you are well.
I got an offer to upgrade from "Regalia First" to "Millennia" & wanted your opinion on it. I wanted the Diners Black Card or the Regalia Credit card. But those pre-approved offers are not there in my Net-banking. Should i upgrade or wait like you did for the best variant (Infinia or Diners Black or Regalia). Please guide....:)
Same upgrade mujhe mila h what should I do
Its a degrade
its been 1 year bro, what did you do at that time?
@@rahulgupta43701 I didnt upgrade or downgrade to anything. Will wait for Regalia or Diners Black.
@@karlskynet so you didnt got any update yet? How much do you spend each month?
Is infinia card is lifetime free for you
Mera civil 785 hai times Titanium card ke liye application Diya hun 8 din ke andar aane ka chance Hai thank u
Start to maine Regalia se kiya hai, limit bhi thik thak lakho me diya hai par ek baar bhi limit enhancement ka offer nahi aaya. Bus credit card pe loan ka hi offer din raat bhejte rahte hain. Chalo koi baat nahi, waise bhi mujhe life time free jyada pasand hai Infinia ke tag se.
Amar ekta confusion ache dada.
Jodi ami Lifetime free offer e credit card niye thaki
Tahole jodi amar kache upgrade offer ase tahole oi notun card taoki lifetime free thakbe. Pls janao amay
New card lifetime free thakaba na but smartpay register kora free kora naoa jaba
@@TechnoFino Kintu smartpay te Sob somoy er jonno ki bill add kore rakhte hobe na kichu din er jonno rakhlei hobe..
Are you paying any Annually charges for Infinia ???
No first of all my Infinia is LTF.... and I spend more than 8 lakhs per year
First year free and then 10k renewal every year pay karoge?
Jarur karta.... infinia bohot accha card hai.... par mera infinia lifetime free kar deya hai hdfc bank ne... so for me it's totally free for life 🙂
@@TechnoFino how did that happen? Can you pls tell?
Aapne apni hdfc bank ke limit ka 30% cross ni kiya ya fir overall credit limit ka 30% cross ni kia?
Hdfc ka 30% and overall limit ka bhi 30% se kam ho he jata tha
There is something not clear...
1 lakh limit and 30% utlisation, ie 30k month ...
i) absolutely no chance for 6L limit enhancement....
ii) HDFC (or any other bank) will not entertain CC holders to talk with regional heads for upgrade/CL enhancement with just classic/preferred status...
That is why you are not willing to share your spend/ account management details, which is actually the crucial part in this video.
what might have helped you must be this Channel, all financial institutions are afraid of social media, and therefore regalia holder with 1L limit may please don't dream of INFINIA (based on this video).. This method will simply will not work for everyone. .
Believing or not is totally depends on you.... no one knows about my youtube channel here.... and hdfc bank is not a small bank.... they don't afraid of youtube channel like technofino.....
This was my experience... and this not work for all ...
@@TechnoFino brother, u misunderstood me.. there are thousands like me who wait for your videos.. there is nothing like disbelieving , but there are more between the lines that you didn't tell us.
you claim to have relationship with HDFC hardly 1.5 yrs, Classic status initially then preferred. all fine. .
For a normal customer,without income proof, with 30000 spend a month, limit enhancement to 6Lakhs, with just 1.5yrs relationship status????? no chance... u must be special.
Bro I can't tell everything about balance maintenance and my total spending.... 😁
Maine 30% se nicha rakkha tha bill.... yea 100% sach hai.... 🙂 but ha... mai lucky tha... mujhe 6 lakhs ka limit jump mila aur infinia bhi mil gaya.... 🙂
@@TechnoFino keep posting.. thnk you :)
@@sudheepravi in credit card group I have noticed that someone else also got limit enhancement from few 1000s to lakhs so it is possible but how only bank knows. Might be or might be not he is hiding something but even I feel his youtube channel helped.
My story is 10+years with hdfc 6+lakh limit, had a special invitation because I used my card overseas and funny part was had a token number which means it is a pre approved upgrade but after submitting papers it got rejected and reason was I did not furnish 60 lakh ITR 😂😂
Few things to remember is until before pandemic infinia is given only to ultra RICH. Now the card is devalued after covid and just to get 12k I bet bank is giving the card to all. Very soon in few months hdfc would come out with another super premium card above infinia and again De value infinia 😂
I currently heard many people cancelling dcb and infinia after De value and pandemic and people who are experienced with bank actually don't career for hdfc cards. Now they might be market leader but in long run it would affect them.
Which card is best HDFC millenia or Regalia first?
Millennia card is better
Money back card best. Money back card reward point low, but voucher, coupon high. Regalia card reward point high, but no voucher, and coupon.
I just got an offer and would like to know whether i should upgrade from regalia to business regalia?
Yes ... you should
@@TechnoFino thank you soo much sir...you have always helped me through your videos
does it matter ke required MAB only savings balance me hi maintain kiya jaye? I mean agar main TRV such as savings max me 1.5lk ki FD rakhu ya us se zada ka ye better hai ya sirf SB balance me hi dhyan dena chahiye??? plz make it clear
@Best Moments bro I did not ask for classic account I asked for max account and mentioned FD of 1.5 lakh or more..
Nothing matters
I have 0balance account with hdfc which is lowest ever categorized account and i got preapproved credit card regalia first just after 6 months and limit was 1.5 lakh 😂😂lol
Bro kitna spend krte the aap or average kitna balance rkhte the?
Did you really cancel all other cards?
Lekin lockdown me bamks chalu thi kya.. ar services chalu thi kya..??
Bhai agar mene more than 30% use kiya and then before statement date bhar diya... Phir chalega for such limit jump/upgrade? Ya phir yeh 30% mark cross hi na kare?
Sir I have 2 lakh fd credit card limit.. My account 6 month old.. Mene month me 200-1000 Rs spent kiye ... Kya me C to C apply kar sakta hu dusri bank me? Or limit kitani milegi bhai? Please riplay
Reply nahi karta admin
@@SurinderSingh-lk9ir ha..
Depends on what card and what bank. If you blindly put incomplete sentence no one would be able to answer.
Sbi simply save card i have
@@dipakchaudhary1725 I doubt other bank will give you a card if you got it based on fd. You might have to show some income proof
Sir aap ye batana ki aapka HDFC Bank Mein account Kyon mana kar diya tha kholne ke liye
One hdfc credit card department person said if u apply credit card without income proog via classic account u can't get limit enhancement in future? Is it true?
No
Is Classic or preferred account necessary for this upgrade?
I have regalia
It helps
@@mohammedtabrez3119 it won't. It is purely based on their mood. Considering the card has been devalued now it might be bit easy but previously even though I had invitation I could not get infinia.
@@roninr8199 you might get DCB with imperia relationship though!
@@mohammedtabrez3119 someone got infinia with 3l salary slip per annum. These cards are no longer royal.
@@roninr8199 what??? Unbelievable! Could you please share some more information?
Regalia First Credit Card life time free tha?
Main kuchh din pehle Moneyback se Regalia First me upgrade kiya hun.. Mujhe Priority Pass kaise milega.. Please guide..
Hdfc ka biggest problem Hai old customers ko honor nahi karte. Muje kuch imperial customers pata Hai jinko infinia nahi mila 😂😂. Muje bhi infinia invitation tha aur ek branch account open karke bolke card reject ho gaya. Mein Mumbai hq tak escalate Kiya aur woh bole ki galti hogai maghar card nahi denge 😂😂
Lekin abhi devalue hone ke baad mein tho dcb se happy hu que ki 12k fee waiver 5 lakh spend pe mil jayega, every month 1k gift voucher milega if 80k spend Kiya tho. Aab thak mein Saal pe 3 times le chuka hu worth 3k 😁addon card ka bhi free hogaya Hai airport lounge.
Ek cheez to paka aap bauth lucky ho 😁 lekin aap 10x Amazon aur flipkart ka miss kardiya 😀
1k ka Amazon gift voucher to mujhe 30k spend karne par mil gaya HDFC Ragalia me.
@@learnprogramming123 voucher kaise sms karte kya. Muje spend 62k and get 750 voucher ka offer aya tha lekin woh November mein milega.
Hi, I ve upgraded my account in classic, after getting HDFC regalia card( when HDFC starts issuing new credit card, as of now HDFC not issuing new credit card), if I convert my classic account in normal savings account, then will my card be active or not, plz reply, my cibil above 770. Credit history above 4+ years, no late payment till now. Holding SBI, ICICI, CITI, Indus credit card.
sir yes bank ka best credit card kaunsa hai in terms of shopping, cashbacks,movies,online reward points??
I have business money back cc with limit of 1.1Lk recently I have upgraded to Classic account now how can I get cc upgrade to regalia or regalia gold?
Ami 2017 te account khulechilam. 6 month por pre approved offer e money back card issue hoi with 40k limit. Tarporei aste aste limit bar te thake and ekhon regila card use korchi 350000 limit.
But pray onektai spent kora hoi card theke. Ekhono sei vabe limit ba upgrade offer ase ni. Account maintenance balance kono prob nei.
But infinia card er jonno savings account upgrade kora mandatory...?
Mene may 2020 me first cc lia tha , August me cred app pe score check kiya to 520 around aya
1. Mene sare bill time pe bhare h
2. Me points earn krne k liye amazon fk pe frds ka payment kr deta tha unse pese le k turnt ya kuch din baad bill bhar deta tha
3. Mene axis bank me fd against cc liya tha bad me mene wo cc band krwa diya tha
Kya in points me kuch karn h jiski vaja se mera socre down hua
Aap cibil check kijeya... cibil aap policy bazar se ya paytm se ya onescore app se chcek kar payenga free mai
Bhai me 1 sall se use kar raha hu ab tak limit inscrease ni hua kya karu
Sir mera relationship value acha hai
Hdfc bank me
Muze credit card ka pre-approved offer chodke auto loan, bike loan personal loan offer hai credit card offer kab milega
Dily use karo Shoping ko
How much bank transaction volume was there in your savings bank account?
Sri Man Kya Infinia credit card lifetime free ho skta h
New metal infinia ltf nahi de raha hdfc
Boss. Spending less than 30% means can we spend 5-10% monthly too. That too ok?
Yes... but spend jada hoga too LE offer ka chance jada hoga... but bull 30% k niche hona chaiye.... 🙂
TechnoFino till now i was using my HDFC card only. Its utilised more than 30%. But as per total limit is concerned as per CIBIL. then the limit utilised is less than 15%. Will it help or we should focus particularly each cards. ?
Brother after open HDFC Bank classic account open if get HDFC Ragilia card so after that I can downgraded my classic account in normal savings account in 10,000 Rs
I'm getting upgrade offer from regalia to business regalia. Is there any benefit if I take this upgrade? Only benefit I see it this is life time free card and regalia was paid. But anyways I never paid any fee because of meeting 3 lac waiver
same card... but business variant card is better as you can use it for business transactions.
@@TechnoFino Thanks for the quick reply. My current limit is 4.8 lacs. Is it possible to get upgrade to Diners Black by sending the upgrade form to chennai?
yes... possible.... you should try
To ye card le ke kya kar liya
😄😄😄
🤣
Not needed social status hai....aur kuch nahi.
You are real INFINIA
@@brsr82 benefits padhe hote toh ye nai boltaa
bhai agar card invitation aye to kya card lifetime free hota?
Great i also try for infiniya card
Please tel me how much MAB you maintain MONTH on MONTH
Based on your relationship with the bank
I had hdfc current account with qab of nearly 10 to 13 L .. But my money back credit card limit is not increasing
Sir I have one small doubt it I maintain AMB balance of 1 lack rupees for one month then I will be eligible for classic account or how many months do I need to maintain to become classic member in HDFC bank
haa sir plz i also want to know
Mujhe Infinia lifetime free me mila tha a year before..it was an invitation from the bank..
What happens in the scenario if my LTF regalia card gets stolen and i receive a new regalia card. Will the LTF feature remain for the new card or should i start using smart pay again?
If you have a LTF card... you will get ltf incase of replacement (lost/stolen).
I have a Regalia First credit card with 17 lakh limit and Imperia account.
Still i dont have the offer to upgrade to Infania. 😫
You can easily get infinia, just fillup credit card upgrade form and send it to hdfc Chennai office address, no need to attach any income document, they will upgrade your card on the basis of your credit limit
Mera joint account hai classic , 30 % k below use bhi kar raha, 3.5 year pahle regalia first mila fir Jan '21 se millenia hai par update nahi ho raha, pls advice
Mujhe classic mein upgrade Mila aur maine join karliya hai to kabtak Mera account classic hojayega
As you say that if we have a classic account with hdfc bank we get credit card without any income proof. Tell me how to do it, i also have classic account with hdfc.
@technofino please tell
Ask your rm to get credit card approval for you
@@TechnoFino When I asked my rm, she said I have to wait for the pre-approved offer to show in my netbanking. I guess even she doesn't know about this, please help me about this. The reason behind opening a classic account was to get a good cc. I have a CIBIL of 770+, but i dont have income proof as i am a student. Please help.
Change your branch or rm.... email hdfc bank regarding rm change
@@TechnoFino Okay thanks for your suggestion and I will consider doing it. But are you sure that the Bank issues cc like this to classic account holders?
Mujhe Sbi simply save me limit mila 1lakh. Ar ab upgrade karne ka offer aaya elite me but I don't take because annual fees so high 😊😊😎
Absolutely अगर जरूरत नहीं तो कोई मतलब नहीं बैंक ko bina matalb annual fees dene ki main thing is limit बढ़ती रहे bs 😁
Bhai itana sab kon karata hai sirf credit card ke liye...
Just pay your bills, loan on time.. You will get good credit cards lifetime free.
At the end, it's all liability which has to pay on time.
Bro maine hdfc bank mai current account khul baya h to mujh credit card mil sakta h
Can a person who already holds a Hdfc credit card apply for some other hdfc credit card? in short, can I hold 2 hdfc credit cards?
they don't allow to hold 2 cards now
@@TechnoFino but now you are having two cards
Recently got
@@TechnoFino got moneyback card using it from 2 months its limit is 50k when i will get upgrade or limit enhancement?? Can i cross 30% utililization ratio and pay to the card before generation of bill and get my bil below 30% is it good
Muze regalia pe 5 lakh credit limit hai. Is that ok or less limit is good?
Bhai ,kya mujhe regalia first credit card ko millennia credit card me upgrade krna chahiye??, waiting for your reply
Ha... millennia better hoga... agar aapkr uses minimum 1 lakhs per year hai too
mere pass hdfc regalia first card hai aur mujhe upgrade karna hai millenia me lekin ho ni rhaa hau
On 4th jan through net banking I got upgrade from my existing regalia first card to infinia visa card truly LTF. Can see the 1st 3 digits and the last 4 digits in net banking on the same moment. Still so far i haven't received my card, didn't even got the dispatch message. Last message i got was my existing card will get deactivated automatically on the usage of new card or before 03rd March. No message after that. I'm from Bengaluru, usually it doesn't take this much time for card delivery here. Has anyone got their card delivered yet in this new year LTF infinia or DB offer????
Because of mass upgrade... hdfc bank taking time to dispatch.... you can call them or email them for card status.
@@TechnoFino oh thanks for your reply
Mere pass HDFC ka regalia hein Lakin account nahi hein HDFC mein fir bhi mein upgrade kar sakta hu
Only credit card
30 % utilization mean 1 lakh limit ho to us me se 30+ thousand krna chahiye ya nahi
I have students account opened 10yrs back still a student account and I got regelia first with my salary slip in 2017. Now my salary is above 1L I applied for a fresh regelia they declined and gave millenia
Sulam bujhlm valo lgto. But ami SBI SIMPLY SAVE CREDIT CARD use korchi pray 3 years and 2,90,000 limit card er first time thk but akhno limit upgrade ba card upgrade no offer . Ami time to time payment Kori.. civil score vlo.m but why ? Amr 800+
Sir apke total kitne bank accounts and credit cards hai alag alag bataiye please
Brother last 6-7 month ago I was got Regalia first card after that last month I got Regalia card upgrade so I accept but still limit same as a 3 Lakh and the main thing I got life time free Regalia card, now I am waiting for infinnia, is possible to get infinnia card
If your limit is 8lac or above, then you will get it soon.
Sir mera regalia card uprade to infenia LTF, phir do din bad not eligible dikha raha. What I Do? Any suggestion
Salary account me maintain karna hoga,or mera Hdfc Indian oil ..isme kob tak limit increase hoga
Mera regalia card ko diners black credit card me upgrade kiya uske baad kya main infinia me upgrade kar sakta hoo kya pls reply
I upgraded I got call today
Unfortunately mine also gone frm existing but 30% of the old reward points will be credited to new card
Bhai mere pass 9.56 lakh ka hdfc business regalia card he ye infinia me hosakta he kiya
@@globalservicesolution18 card use karo , me mini factory ke light bill bharta tha monthly 5 lacs ke
@@FaizanKhan-hp8qc abhi covid time pe if you use your card for business purpose then it would get black listed.
@@roninr8199 ok bhai
আমি ২ বছর ৩ মাস সময়ের মধ্যে ইনফিনিয়া কার্ড পেয়েছি,
আমার প্রেফারড একাউন্ট,
আর আমার ইনফিনিয়া কার্ড লাইফটাইম ফ্রী,
বর্তমান লিমিট ১২.০২ লাখ।
Apni kothay thaken??
bank lifetime free offer korachilo? RM help koracha?
sir mera limit 9.2 l ho gya hai.. infinia me kaise karu.. mera diner black card 0 annual charge par mila.
Sir aap youtube ke alawa kya job karte ho aur monthly income kitni hai
Sir Mera bhi A/C HDFC me Hai 2018 July savi/ Act 10000 maintenance 6 month go credit card apply kiya Bharat Cashback credit card mila card Limit 12000 tha 6 month go credit limit increase 35000 4 month Go credit limit increase 55000 FIR card upgrade ka offer Ayaa March 2019 moneyback credit card FIR credit card ka upgrade ka offer Aaya December 2018 regalia first credit credit limit increase 150000 Hai aap ka video Dekha Tha Ab Soch Raha Hun 25000 maintenance account kar loo
Apply karte samay income detail Diya tha kya ?
@@entertainmentadda1602 nahi
Did u got any application reference number from HDFC bank via sms for your Upgradation request. If yes how long it took ? I send an Upgradation request to Chennai office 2 weeks before and there is no response from their side.
No... you dont get any reference... but they will update you via email... they take time... for me they replied after 18 days
what is email id of thier chennai office for sending request
Brother I have HDFC Ragilia card since 6 months but today I got upgrade SMS for upgrade in HDFC Miiiena credit card, bit Milliken's card so lover then Ragilia
Haha yes. Bank has no clue what they are saying.
Sir can you please confirm if your HDFC credit card limit is indicated on CIBIL credit report, mine is not indicated on CIBIL credit report, but when I inquired with HDFC customer care, they told me that they don’t indicate any HDFC card holder limit to CIBIL.
Yes... true... they don't report full credit limit, they just report maximum utilized credit
@@TechnoFino Ok sir,
In that case how CIBIL will calculate my credit utilisation for the month i.e. if I have utilised below 30% or more then 30% of the limit.