SillyBanana
SillyBanana

I recently upgraded to HDFC Infinia credit card, how can I make most use of it?

13mo ago
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PeppyNarwhal
PeppyNarwhal
Swiggy13mo

Important things first: How did you get it?

SillyBanana
SillyBanana

I can say I got lucky and my RM is good

PeppyNarwhal
PeppyNarwhal
Swiggy13mo

What was your limit before upgrade?

GroovyDonut
GroovyDonut

@Akaza did you pay the membership fee or got it for free?

SillyBanana
SillyBanana

I invested some money in their instrument so it got free for one year

GoofyPotato
GoofyPotato

Guaranteed income plan?

WobblyNoodle
WobblyNoodle
InMobi13mo

Noob question. Why is hdfc infinia so sought after ?

GroovyDonut
GroovyDonut

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/

WobblyNoodle
WobblyNoodle
InMobi13mo

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.

WobblyDumpling
WobblyDumpling
Amazon13mo

The minimum requirement is 42 lakhs annual income right 🤑🤑

SillyBanana
SillyBanana

That is true

DizzyLlama
DizzyLlama

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

ZoomyQuokka
ZoomyQuokka

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

ZippyUnicorn
ZippyUnicorn

What is the reward multiplier in insurance payments through infinia?

ZoomyQuokka
ZoomyQuokka

It seems they have changed it and instead capped it at 5000 per day for insurance premium payment

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