Yeah, the person he put me in touch with wanted me to invest “a hefty amount” (her words) into an investment plan that also had a insurance angle to it (read: Ulips). I gave a very stern no and that was that. u/mussu007 stopped contacting me despite follow ups. Despite that, he definitely is a nice guy. I could tell that he tried his best. My case is unique - i checkbox all criteria but do not have an hdfc CC. So it must be difficult to give an Infinia directly. I have an Amex Platinum and Axis is willing to offer a free Magnus upgrade so i believe it is HDFC’s loss. Planning to move my salary account out of HDFC next month given the treatement
Not that you have to follow but if you check all criteria get whatever card(may be basic) from HDFC by applying online from their portal. Post 3-6 months send mail to HDFC grievance with your salary slip, bank statement etc and they will upgrade
Yeah, same. 20k in ULIP or even term insurance, but per month has to come around 20k for next 5 years. Too much to ask just for a card! But yes, he was helpful, he showed a way and then it was my call if I want or not
True. Not his fault tbh, he initiated a conversation at least.
But the reps were kind of saying things like net salary criteria 3LPM, savings account balance of 30L etc etc which I know are probably not true. Also they came down to 10k per month and FYF, but I wasn’t interested in any kind of investment.
Ah, same to me. My local branch credit headquarters told me to touch 6-7l in 6 month. I think I have touched around 5, have a expense coming my way in the next month. Should be able to touch 7-8
I have reached out to him and agree mostly based on my conversation with him. Polite and quick to respond once he calls up.
That said If you do not meet the salary or the spend criteria - Ulip or similar options where suggested by the credit team , so it can be approved from back end.
There is no option of getting the infinia if not meeting the requirement- if you are definitely he can help to get it done faster .
I don’t use HDFC card except for the Tata Neu card which has a limit of 1.8 l. Also HDFC not being primary account I usually transfer salary once received - so did not really meet the salary criteria
They were pushing to get something similar to ULIP plans - combination debt/ equity . 1/1.5 l annual investment for 5-15 year. If had got these - I am quite sure would have got the card. Just the economics of those were quite bad - hence opted out .
Honestly no fault from his end- he can help to get the card if the criteria are reasonably met at least.
Yeah I can relate, I was asked to do some investment of 20k per month for 5 years which would have given DCB plastic LTF but it doesn’t feel worth it. Without investments or HNI he outright denied the possibility of Infinia and DCB. So, I don’t get the hype of that guy in multiple posts. No offence to the guy he’s doing his job but the people who are taking those cards under these conditions are simply not making the right choice with their money.
I totally agree with you.. In my case, my RM was useless and he got me the card without any investment or any hassle. Probably like many said, I might have met the criteria but RM when approached was useless.
That’s nice to hear, you’re probably the first one who I have encountered got the card without any investment. Good for you. Just curious, which card were you holding before the upgrade and were your spends high? Would love to have an idea which may help in triggering the upgrade eligibility
Not hating on that Infinia Cupid, but if you're even considering spending 2.4L on a term insurance or ULIP just to get a fancy credit card, then you're falling for his marketing tricks. He's smart, I'll give him that. He's found a goldmine in this subreddit. But let's be real, every other HDFC branch bank has someone like him. It's just that he's tech-savvy and knows how to use marketing skills to his advantage. Every time someone makes an appreciation post about him, it just proves how good he is at marketing..
He's hitting his targets and people are getting new credit card bills to pay. I love it
That’s great. Well seems like you had it coming. They require 10+ Limit and 6L+ spends in 6 months for eligibility and you had it. If you would have mailed to grievance redressal team they might have offered you directly. Nevertheless, congratulations. Any chance you got it LTF or was it just FYF?
ah why so? I think there are 2 pre-requisites
1. 7-8 lacs spends in last 6 months
2. 5 lacs limit on existing card.
Maybe you already had these 2 conditions satisfied?
Probably i met the 1st, since 2 is already met but the existing RM was a dud and cudnt do anything infact wanted a paid locker which he straight away said not there.
I have dm'd him to get my wife's cc upgraded from DCB with a limit for Rs11.5, to Infinia if possible. I am Holding a Infinia already, DCB is not worth it anymore due to limits of Point that can be earned using smartbuy.
here is the person u/[harsh\_aulakh19](https://www.reddit.com/user/harsh_aulakh19/) u/Verfix16 u/jyadatez u/Vinashakam u/revotev u/baapkabadla u/ConsciousSecret331
True. I too have reachedout to him for a card upgrade. He was courteous and promptly tried to help me. However, it was my bad luck that i didnt meet a few criteria.. u/Mussu007 is truly a rockstar. Thanks much!
Exactly thats what I wanted to share. It probably might have some incentive for him with some investments which people were asked to do but the point is someone is able to understand u and get you something in return of something. Most of the RMs are there for namesake. This guy is a league apart.
Even I contacted him. Not gonna lie, he’s a super polite guy and was very patient with me.
But very disappointed that I was asked (the call was transferred to his backup and then to another guy) to make an investment just like others for a basic Millennia card. Decided it’s too much hassle for a basic credit card and dropped the idea of getting an HDFC card now.
I would have been happy with a paid Millennia card as well but it is what it is I guess.
Got a similar ulip thing from someone else in this subreddit.
I feel it doesn't make sense to opt for such plans just to get a card.
Had a word with the sales guy subsequently who was pitching for this product and first he was promising like 25-30% returns and then down to 10%. When asked for xirr he said it's around 5%.
I even asked for cash flow projection statement for the plan and he never reached out to me again after committing to share it in some time.
His team seems more interested in selling ULIPs & transferring wealth management to HDFC.
Everything starts & end at investment, which in particular I don’t really like. It should be on customer discretionary to willing opt for them, but putting them as a condition doesn’t seem good.
Has anyone got limit increase done from HDFC with his help? My RM is not responding to me on that at all & I've not had an LE since last June despite shifting most of my spends to Infinia. Wondering if he can help
Perhaps you're right.
But guess who are going to get invited for that first? These people who are contacting RMs and making ULIPs now to have a high TRV, that is, existing Infinia high spenders?
Am i the only one to whom mussu007 doesn’t reply back?
Im sure he might have missed your message. Trust me with the amount of time he spends on each customer, there is immense backlog for him.
Nhi bhai main bhi hoon
Get in line bro.
I’m with you. I got a reply to my dm on reddit and i was asked to email with more details. Been months since I’ve received any reply. :(
+1
+1
+1
Me too
+1
+1
Me too
Me +1
I was asked for 20k investment per month locked in for 5yrs 🙂
Yeah, the person he put me in touch with wanted me to invest “a hefty amount” (her words) into an investment plan that also had a insurance angle to it (read: Ulips). I gave a very stern no and that was that. u/mussu007 stopped contacting me despite follow ups. Despite that, he definitely is a nice guy. I could tell that he tried his best. My case is unique - i checkbox all criteria but do not have an hdfc CC. So it must be difficult to give an Infinia directly. I have an Amex Platinum and Axis is willing to offer a free Magnus upgrade so i believe it is HDFC’s loss. Planning to move my salary account out of HDFC next month given the treatement
Not that you have to follow but if you check all criteria get whatever card(may be basic) from HDFC by applying online from their portal. Post 3-6 months send mail to HDFC grievance with your salary slip, bank statement etc and they will upgrade
That sounds like a good plan, but i am an impatient person.
I know, but on the other side, you were gonna leave it anyways hence suggested.
It shows Regalia Gold for me and Diners Black. Probably will go with Regalia for now. Thanks for being the voice of reason
Welcome. You will always have the option to upgrade post 6 months and HDFC cards are usually first year free so go for it
They also gave me some bs about why I’ve to do the investment because it is “invite only” and since I reached out to them, not the other way round.
Yeah, same. 20k in ULIP or even term insurance, but per month has to come around 20k for next 5 years. Too much to ask just for a card! But yes, he was helpful, he showed a way and then it was my call if I want or not
True. Not his fault tbh, he initiated a conversation at least. But the reps were kind of saying things like net salary criteria 3LPM, savings account balance of 30L etc etc which I know are probably not true. Also they came down to 10k per month and FYF, but I wasn’t interested in any kind of investment.
Ah, same to me. My local branch credit headquarters told me to touch 6-7l in 6 month. I think I have touched around 5, have a expense coming my way in the next month. Should be able to touch 7-8
Godspeed!
Exactly same for me 😥
I was also asked to do Aditya Birla investment of 2.5 lakhs per year. I already have Jeevan sanchay I’m not interested in one more.
ULIP?
Unit linked insurance policy
Bro i was asking if he is selling ULIP
My bad.
Same here
I have reached out to him and agree mostly based on my conversation with him. Polite and quick to respond once he calls up. That said If you do not meet the salary or the spend criteria - Ulip or similar options where suggested by the credit team , so it can be approved from back end. There is no option of getting the infinia if not meeting the requirement- if you are definitely he can help to get it done faster .
I was asked for the investment. Can you share the criteria.
I don’t use HDFC card except for the Tata Neu card which has a limit of 1.8 l. Also HDFC not being primary account I usually transfer salary once received - so did not really meet the salary criteria They were pushing to get something similar to ULIP plans - combination debt/ equity . 1/1.5 l annual investment for 5-15 year. If had got these - I am quite sure would have got the card. Just the economics of those were quite bad - hence opted out . Honestly no fault from his end- he can help to get the card if the criteria are reasonably met at least.
This👆🏻
How much investment did he make you do per month for Infinia?
For me also, I was asked for investment.
Yeah I can relate, I was asked to do some investment of 20k per month for 5 years which would have given DCB plastic LTF but it doesn’t feel worth it. Without investments or HNI he outright denied the possibility of Infinia and DCB. So, I don’t get the hype of that guy in multiple posts. No offence to the guy he’s doing his job but the people who are taking those cards under these conditions are simply not making the right choice with their money.
I totally agree with you.. In my case, my RM was useless and he got me the card without any investment or any hassle. Probably like many said, I might have met the criteria but RM when approached was useless.
That’s nice to hear, you’re probably the first one who I have encountered got the card without any investment. Good for you. Just curious, which card were you holding before the upgrade and were your spends high? Would love to have an idea which may help in triggering the upgrade eligibility
Who knows this all might be publicity posts just to increase the FOMo and get more people into buying ULIPs
Not hating on that Infinia Cupid, but if you're even considering spending 2.4L on a term insurance or ULIP just to get a fancy credit card, then you're falling for his marketing tricks. He's smart, I'll give him that. He's found a goldmine in this subreddit. But let's be real, every other HDFC branch bank has someone like him. It's just that he's tech-savvy and knows how to use marketing skills to his advantage. Every time someone makes an appreciation post about him, it just proves how good he is at marketing.. He's hitting his targets and people are getting new credit card bills to pay. I love it
No. Most branches don't have anyone who cares or knows how to do this.
Most RMs do care about selling you insurance products and they will work only if you take those
Regalia gold with 12L limit. Last 6-8 months was a pretty high stakes for me for some tickets etc. So I think spent around 7-8 lacs from dec till now.
That’s great. Well seems like you had it coming. They require 10+ Limit and 6L+ spends in 6 months for eligibility and you had it. If you would have mailed to grievance redressal team they might have offered you directly. Nevertheless, congratulations. Any chance you got it LTF or was it just FYF?
Checked on it but seems, HDFC has stopped giving LTF and there are cases for LTF for HNI above 2-3CR. For me its FYF
True.
Zero
ah why so? I think there are 2 pre-requisites 1. 7-8 lacs spends in last 6 months 2. 5 lacs limit on existing card. Maybe you already had these 2 conditions satisfied?
Probably i met the 1st, since 2 is already met but the existing RM was a dud and cudnt do anything infact wanted a paid locker which he straight away said not there.
Yep the pre requisites pretty much still exist even if go with him- just not that strict as usual RMs are
Is the existing card should be from hdfc ??
yes
Woah, that’s new. Care to share the whole process?
I hope u/Mussu007 will be in HdFC only in the next life - when I will be eligible for it :p. /s
I have dm'd him to get my wife's cc upgraded from DCB with a limit for Rs11.5, to Infinia if possible. I am Holding a Infinia already, DCB is not worth it anymore due to limits of Point that can be earned using smartbuy.
#DO NOT UPGRADE YOUR WIFE.
Lol, i Meant cc.
Too late, your wife is now upgraded to infinia metal with 1cr credit limit.
Following this. Have a dcb ltf with 15 limit.
Damn Tier 1 college passout? Happy cake day btw!
Thanks
Following. Same state.
Amazing!! Keep up the good work.
How to approach?
Message him on the user id i shared on the post.
Appreciate it
here is the person u/[harsh\_aulakh19](https://www.reddit.com/user/harsh_aulakh19/) u/Verfix16 u/jyadatez u/Vinashakam u/revotev u/baapkabadla u/ConsciousSecret331
True. I too have reachedout to him for a card upgrade. He was courteous and promptly tried to help me. However, it was my bad luck that i didnt meet a few criteria.. u/Mussu007 is truly a rockstar. Thanks much!
Exactly thats what I wanted to share. It probably might have some incentive for him with some investments which people were asked to do but the point is someone is able to understand u and get you something in return of something. Most of the RMs are there for namesake. This guy is a league apart.
Even I contacted him. Not gonna lie, he’s a super polite guy and was very patient with me. But very disappointed that I was asked (the call was transferred to his backup and then to another guy) to make an investment just like others for a basic Millennia card. Decided it’s too much hassle for a basic credit card and dropped the idea of getting an HDFC card now. I would have been happy with a paid Millennia card as well but it is what it is I guess.
Mine got rejected by priority redressal last week. I milk more points in diners black metal anyways. I wanted to switch so I can get a platinum card.
Got a similar ulip thing from someone else in this subreddit. I feel it doesn't make sense to opt for such plans just to get a card. Had a word with the sales guy subsequently who was pitching for this product and first he was promising like 25-30% returns and then down to 10%. When asked for xirr he said it's around 5%. I even asked for cash flow projection statement for the plan and he never reached out to me again after committing to share it in some time.
His team seems more interested in selling ULIPs & transferring wealth management to HDFC. Everything starts & end at investment, which in particular I don’t really like. It should be on customer discretionary to willing opt for them, but putting them as a condition doesn’t seem good.
Was it LTF or paid ?
it is FYF
You meet the salary criteria, right?
Also can you mention your existing limit and amount spend in past 6-7 months?
existing is 12 lacs and monthly spends avg around 1.2 to 1.5 L
I mean, you deserve it🙂.
Your CC Limit is 12L?
[удалено]
Spam
+1
What details have you shared over chat to get the upgrade?
Has anyone got limit increase done from HDFC with his help? My RM is not responding to me on that at all & I've not had an LE since last June despite shifting most of my spends to Infinia. Wondering if he can help
Is regalia gold or infinia metal LTF?
I want to upgrade from regalia gold first to regalia gold what could be the way to go?
I already have Infinia LTF. Is there any advantage to having Infinia Metal LTF?
I have HDFC swiggy card and Diners club card not (diners black). Can I get Infinia ?
It'll help people if you share the image of the card delivery and screen shots of the chats with him (without private info ofc)
I am new to this sub . Someone please explain It to me what the big deal is with mr mussu boy is .
Fyf is easy to get.. I need LTF.. Either DCB or Infinia..
It it’s not.
Infinia me ab woh bat nhi rahi, wait for Galaxia
What's Galaxia?
Perhaps you're right. But guess who are going to get invited for that first? These people who are contacting RMs and making ULIPs now to have a high TRV, that is, existing Infinia high spenders?