I recently upgraded to HDFC Infinia credit card, how can I make most use of it?
Jordon Lee
Stealth
a year ago
I can say I got lucky and my RM is good
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Jordon Dean
Stealth
a year ago
did you pay the membership fee or got it for free?
Kendall Olive
Stealth
a year ago
I invested some money in their instrument so it got free for one year
Dezi Carmden
Stealth
a year ago
Guaranteed income plan?
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Kendall Lee
Stealth
a year ago
Because it's the top most card from HDFC which is the market leader in credit cards + it offers amazing benefits like minimum 3.3% rewards points on all purchases which goes upto 33%. Meaning you get things (T&C Applied) at 1/3rd price.
https://bfsi.economictimes.indiatimes.com/news/financial-services/sbi-tops-debit-cards-market-hdfc-continues-to-lead-credit-cards-in-may23/101337468
https://cardinsider.com/hdfc-bank/hdfc-bank-infinia-credit-card/
Okay, so high reward points + good complimentary benefits like movie tickets/airport lounge access/golf games etc.
Although I see all this coming at a yearly fee of 12.5k. As someone who fulfill the entry requirements of this card but has low credit card spend (8k-10k monthly), not sure about the usability of hdfc infinia in my scenario.
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Jordon Everett
Stealth
a year ago
That is true
Not really. It's only for new to bank. If you do have existing card of hdfc, income criteria isn't checked. You can ask for upgrade to this card if you have done 5L spends in last 6 months and you have reached floor limit (8L) in your existing credit card
Jordon Gabriel
Stealth
a year ago
Use smartbuy Infinia for all your travel bookings - 3x 5x 10x rewards on booking through that. Use the same rewards to then book travel through the same platform. Pay insurance premiums using Infinia - multi x rewards for the same.
Use priority pass airport lounges in domestic and international airports for free
Buy using Flipkart from smartbuy for multi x rewards
Matilda Lee
Stealth
a year ago
It seems they have changed it and instead capped it at 5000 per day for insurance premium payment
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