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Congratulations! No LTF offer for me yet

GVP on my card got auto renewed in Feb second week. 199 was charged. I guess benefits should continue for one year

Yes... you won't get 5% CB on SBI Cashback on Gyftr transactions. It is part of excluded MCC

There are many customers with 40-50 L home loan. Almost everyone in urban city would have it. If bank starts giving Infinia to these set of people, then Infinia will not remain as Infinia. It will become regalia type card. What is the point then? Some other premium card above Infinia will...

I hope these guys keep bringing vouchers more regularly rather than dumping them towards the end of the year

Two points here: If expenses are more than income, then they would expect you to take business credit card. Personal credit card like Infinia will always be pegged with personal ITR income. If you show ITR of 40L, they will have no issues in giving Infinia to you Home loan is a secured lending...

While spends and all are good, ITR plays a very important role in credit worthiness of an Individual. How can you expect bank to lay red carpet for all cards and Infinia if ITR reported is in the range of 10-15L? In my opinion, this is the single biggest reason for such behaviour of the bank...

The how are you going to be in trauma to complete 10L spends?

Please decline the upgrade offer. Infinia is not suitable to you based on calculations you have done for yourself. Although I must say that your calculations are little one sided. If they suit you then fine.... But it will be wrong to say generically that Regalia gold LTF is better than Infinia...

Limit is 5K per day and 10K per month on HP Pay.... You can add 2k+2k+1K vouchers in one day and remaining 5K next day

They have recently introduced Croma and Vijay Sales monthly caps also for 20k

Yes you can. I assume you meet other 2 criteria as well on card limit and salary. Regalia Gold is a decent card. Try use it as much as possible on accelerated categories such as smartbuy vouchers, air tickets etc. It also has milestone benefits of 1.5L/Qtr, 5L and 7.5L which will help you get...

Au Zenith gives 1-1.25% on rental payments as it does not levy charges for 1st rental payment of the month. If anyone has it, this is an option with low but positive reward rate

Yes it will give. As long as it does not block high value wallet load transaction

Yes there are rent payment charges. Wealth will be net negative if used directly for rent payments

Dont spend 7L on this card Option 1 - Try to take waiver from RM Option 2 - Take DCB FYF and spend 7L

Don't chase Infinia. Just spend 7.5L in 6 months and Infinia will come easily. Usual Infinia upgrade route will be better via DCB as you can spend 7.5L in 6 months without loosing much. Take DCB.. spend 7.5L in 6 months, and they will easily upgrade you to Infinia. This is if Infinia is your...

4 days before the due date

I did a transaction on 19th Jan and it is HDFC Billpay only. @JSFinance - have you enabled smartpay on this?

Yes. Then Infinia is not for them and there are better cashback cards around. Unless you can consistently do spends via smartbuy and get 6-7% value back via Apay vouchers As I said, if there is difficulty in paying fees or if one cannot extract max value then leave Infinia aside. You are not...