How to Increase Credit Limit on HDFC Bank INFINIA Credit Card Metal Edition

Are you using HDFC Bank INFINIA Credit Card Metal Edition? Want to Increase the credit limit? Then this is the right place. In this post we are going to show you How to Increase Credit Limit on HDFC Bank INFINIA Credit Card Metal Edition.

Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on HDFC Bank INFINIA Credit Card Metal Edition . HDFC Bank INFINIA Credit Card Metal Edition Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. HDFC Bank INFINIA Credit Card Metal Edition is best fit for Travel |
Dining | enthusiast. An assured discount of 25% at 2000+ premium restaurants..

 

HDFC Bank INFINIA Credit Card Metal Edition Details

Card Name HDFC Bank INFINIA Credit Card Metal Edition
Joining Fee Rs. 12,500 + applicable taxes
Reward Type Reward Points |
Fuel Surcharge 1% fuel surcharge waiver up to Rs. 1,000 each month
Apply Link Apply Here

 

Fees & Charges

What is the joining fee of HDFC Bank INFINIA Credit Card Metal Edition?

Rs. 12,500 + applicable taxes

What are the Welcome Benefits for HDFC Bank INFINIA Credit Card Metal Edition?

Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year.

24×7 global concierge service.

HDFC Bank INFINIA Credit Card Metal Edition Benefits & Rewards

Movie / Dining 

Exclusive dining privileges with the Good Food Trail Program and free Club Marriott membership, 1 + 1 complimentary buffet at ITC hotels.

Rewards Rate 

24×7 global concierge service.

Reward Redemption

RPs can be redeemed for flight and hotel bookings via SmartBuy (1 RP = Re. 1), Airmiles through net banking (1 RP = 1 Airmile), products and vouchers via net banking or SmartBuy (1 RP = Rs. 0.50), Apple and Tanishq vouchers (1 RP = Re. 1) cashback (1 RP = Rs. 0.30)

Travel Benefits for HDFC Bank INFINIA Credit Card Metal Edition

Complimentary Priority Pass membership with unlimited free access to airport lounges and with Infinia Credit Card Lounge Access Program along with complimentary Club Marriott membership for 1 year, complimentary 2 + 1 night stay at several premium ITC hotels

 

Airport Lounge Access

Domestic Lounge Access : Unlimited complimentary access to domestic lounges with the Priority Pass membership for primary as well as add-on Infinia cardholders, unlimited free domestic lounge visits per quarter with Visa/MasterCard domestic lounge program

International Lounge Access : Unlimited free access to international lounges across the globe for the primary cardmember and all add-on cardholders.

Insurance Cover

Insurance cover worth Rs. 3 crore against accidental air death (applicable only in case of death due to an air accident), a cover worth Rs. 50 lakh against medical emergencies during international air travel, Credit shield cover worth Rs. 9 lakh (the outstanding amount on the card is covered in case of accidental death or permanent disability of the primary cardholder).

How to Increase Credit Limit on HDFC Bank INFINIA Credit Card Metal Edition

1. Create a budget plan

Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.

2. Decide which product you want

After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.

3. Make sure you’re not paying interest

If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.

4. Keep track of your spending

You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.

5. Avoid impulse buys

Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.

6. Manage your credit score

If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.

 

Our thoughts

Increasing Card Limit on HDFC Bank INFINIA Credit Card Metal Edition totally depends on your previous relationship with your bank, credit history, and payment time.  If we missed anything please let us know in the comment section

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