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Copy-pasting my reply to a user from above in the same thread: "At the time, I wanted to use the Infinia as my 'only' card. The metal card's tap-to-pay feature works only on one side (you can run a search to see why this is the case - metal cards rely on a plastic layer to enable this feature)...

At the time, I wanted to use the Infinia as my 'only' card. The metal card's tap-to-pay feature works only on one side (you can run a search to see why this is the case - metal cards rely on a plastic layer to enable this feature). The 10th time I told a shopkeeper to turn the card over (to...

Since you tagged me, here are my inputs. The Regalia Gold is a good card to start with. It's a step in the upgrade-ladder of HDFC (to a more rewarding card) and since it's FYF, you can take it for a year and then re-evaluate it's usefulness at the end of 10 months or so. You have to think about...

I have a primary HDFC card with a 9.5L CL (credit limit). I haven't received a CLE in over 3 years now. I just received a second card (Bonvoy-HDFC card). Now, both my primary card and this Bonvoy card will share the current limit. I have not yet activated the Bonvoy card but have received a few...

As the title says, do income-tax payments count towards the milestones on this card? Thank you

My RM is offering me a 'paid' Magnus Burgundy card bit I feel this is a bad choice for me. Before I say no to her, I wanted to confirm that I am thinking correctly about this: in the last year, my card spends crossed 2L in 1 month, 1.5L in 1 month and were around 1L (or lower) in other months -...

Thanks. You mean book the hotel through smartbuy but on revenue - correct?

I find this confusing but have never used my Infinia for hotel bookings before (only flights) so I would appreciate your inputs. If I transfer my Infinia points to Club ITC green points, it transfers at 2 Infinia points = 1 green point. However, if I go to smartbuy and find the same ITC...

I am aware (or believe) that Infinia points expire in ~3 years. I also know that my monthly statement 'warns' me about expiring points (30 days & 60 days). However, 60 days is still a little 'small' to make a sensible redemption. Is there any way to figure out when the points are expiring? I...

I don't know - my downgrade from metal to plastic was around a year ago (2023 or early 2024).

Until EPM introduces travel partners, it's not really an equivalent card to the Infinia. Also, it's not a mature product so I would watch it for a year or two before seeing it as genuine competition to the Infinia.

I will disagree with this. HDFC does not make the rules for Infinia clear - it's confusing at best. This means that a lot depends on their perception of the applicant and for account holders, the RM, BM etc. I would hesitate to make sweeping statements since for every 10 posts about how an...

No guarantee this will work but you will need to do the following: move all spends to DCB (Diners is not accepted everywhere so I mean all spends where it is accepted). Once you have a few months of spends on the card, write and ask for a credit-limit-enhancement. You want to be at a minimum CL...

Just to clarify: no mistake in the 'premium' segment since EDU spends are 'included' (counted) for both Atlas & Magnus (but not Horizon & Olympus)

Something that struck me as odd is that 'Education' spends are rewarded with EM for the Axis Atlas card. The Horizon card (roughly a level below Atlas) and the Olympus card (a level above Atlas) both have 'Education' spends on their exclusions list. This seems strange - particularly given the...

I searched but can't find a thread on the first point: 1. Is Infinia or Atlas better for points to be transferred to Krisflyer? I am guessing that Infinia will win if the points are through SmartBuy and the Atlas will win otherwise - is this correct? 2. What is a good way to divide up spends...

I could be completely wrong but: if they wanted to shutdown the Atlas card or merge it with Horizon, they could have simply sent out a notice to all users offering a 'notice period' to move miles to partners at existing rates. So, simply stopping new applications, for Atlas, may not mean...

Based on advice here and elsewhere, I applied for and received the Atlas card yesterday (perhaps with a day to spare if applications are actually closing). I got the Atlas because I can clearly put 7.5 L on it in a year (if I make it my main card and include EDU spends which are 'counted') but...

Axis seems to have the following policy: if you receive a new credit card from them, you must wait 90 days before applying for another one (and a 3-card limit in total). I know this is true from my netbanking account (and phone-banking as well). Question: does the cooling off period apply to...

Please tell us which cards you plan to apply for in the near future so we may avoid/close those.