Personal Finance19mo
by GoofyPickleProduct Manager
Which credit card is the best
Comparing things across rewards, customer support and ease of onboarding. I was looking to apply and don’t know exactly what I should be looking for
SillyBanana
I recently upgraded to HDFC Infinia credit card, how can I make most use of it?
16mo ago
Talking product sense with Ridhi
9 min AI interview5 questions
WobblyNoodle
InMobi16mo
Noob question. Why is hdfc infinia so sought after ?
GroovyDonut
Stealth16mo
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://cardinsider.com/hdfc-bank/hdfc-bank-infinia-credit-card/
WobblyNoodle
InMobi16mo
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
Amazon16mo
The minimum requirement is 42 lakhs annual income right 🤑🤑
SillyBanana
Stealth16mo
That is true
DizzyLlama
Atlys16mo
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
Stealth16mo
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
GroovyPanda
Freelancer16mo
call concierge and they will explain everything. Also people saying it’s eligibility is 42lpa, it’s not. It is invite only and you have to be in good books with the bank.
I never had a cc and my first card was Infinia.
QuirkyJellybean
Google16mo
I've been using Infinia for a while now and I think it's the simplest card to use and get maximum returns out of.
Spend everything via Infinia. Get a virtual add on that enables UPI so that you can pay even at places that don't have a card machine. Even with the convenience fee, you'll get much more returns via reward points so it's worth it.
Use MMT, Nykaa etc via Smartbuy to get 5X - 10X reward points. Also use Gyftr to create gift cards for shopping and you'll get even more discounts.
Reward points - Once you have enough, spend on Tanishq or Apple products. These two places will get you the most value.
SillyBanana
Stealth16mo
Wow thankyou today only I got the virtual card
Discover more
Curated from across
by SwirlyNarwhalRazorpay
Personal Finance20mo
by BubblyUnicornMcKinsey & Company
Credit Cards
Hi all! After the devaluation of Axis Magnus what are the options someone has who isn't earning 25+. Is there a way to get HDFC Infinia? What are the credit cards one should get to optimize the rewards? (Travel miles, vouchers etc.)
Personal Finance20mo
by BouncyTacoQuantitative Research
Credit Card Recos Grapeviners
Spend around 10k on flights, 10k on dining out+swiggy, utility bills around 5k, shopping around 10k. Good credit card recos. I would love to get flight redemption points.
Top comment
I currently have a Diners Black and it’s LTF… had a salary account with HDFC for more than 3 years… initially started...