Infinia Do I really need a paid Infinia for 14750/year?

[drsel]

I have Magnus Burgundy, Samsung infinite, Atlas, Airtel, SBI cashback, AU Lit, and many other useful cards
I also have points on Air India for flights and Accor for hotels.

So should I apply for Infinia to buy 10000 Amazon pay on Smartbuy 5x and pharmeasy medicines on Smartbuy 10x ?

Now you know that the best use of Infinia points is for air ticket booking on Smartbuy.
But I already have plenty of points on Air India.
I also have unlimited International and domestic lounge access with Magnus burgundy.
So do I really need a paid Infinia card for 14750 every year?

 

[Explorer]

For me, infinia has two big USP:
1. Earning 5x/10x from smartbuy
2. Infinia points can be used to book air tickets any time with any airline (only 70%, 30% still needs cash). On many occasions, indigo flight was the only or best option for me and I used infinia points. I even used indigo occasionally for international segment also. Some time during peak it is difficult to get award tickets, so use infinia points.

And infinia point are also useful in some air miles cases. I had shortage of some avios as I can only transfer 2L M4B miles in a year now. Used infinia points to get the remaining avios.

 

[SSV]

I have Magnus Burgundy, Samsung infinite, Atlas, Airtel, SBI cashback, AU Lit, and many other useful cards
I also have a lot of points on Air India for flights and Accor for hotels.

So should I apply for Infinia card to buy 10000 Amazon pay on Smartbuy 5x and pharmeasy on Smartbuy 10x ?
the best use of Infinia points is for air ticket booking on Smartbuy.

But I already have plenty of points on Air India.
I also have unlimited International and domestic lounge access with Magnus burgundy.
So do I really need Infinia card first year free?

If someone is asking this kind of question before taking any top level card, then the answer largely leans towards : NO

 

[bonheur]

I regularly review the USP of each card in my portfolio to cull the ones that no longer make sense.

After a long period of time, Infinia has gained a new USP for me - “Easier upgrade to Infinia Reserve”.

 

[nrj1007]

I have Magnus Burgundy, Samsung infinite, Atlas, Airtel, SBI cashback, AU Lit, and many other useful cards
I also have a lot of points on Air India for flights and Accor for hotels.

So should I apply for Infinia card to buy 10000 Amazon pay on Smartbuy 5x and pharmeasy on Smartbuy 10x ?
the best use of Infinia points is for air ticket booking on Smartbuy.

But I already have plenty of points on Air India.
I also have unlimited International and domestic lounge access with Magnus burgundy.
So do I really need Infinia card first year free?

You already know the details. Now you have to match with your usecases and decide.

 

[moneyMaker]

I don't even have Regallia ltf 😢

 

[shann9999]

I don't even have Regallia ltf 😢

Don't worry, we are also sailed same boat before landing into Infinia LTF. Its just time and good RM/ Escalation you

 

[drsel]

Don't worry, we are also sailed same boat before landing into Infinia LTF. Its just time and good RM/ Escalation you

Now Infinia lifetime free would be a decisive game changer!
how to get it lifetime free when applying as a new to bank customer with good ITR?

 

[moneyMaker]

Now Infinia lifetime free would be a decisive game changer!

Might as well get paid DCB black!

Do HDFC accepts AmEx or Axis statement for limit enhancement?

ig you need some minimum limit for the black.

 

[drsel]

Might as well get paid DCB black!

Do HDFC accepts AmEx or Axis statement for limit enhancement?

ig you need some minimum limit for the black.

No HDFC does not want or need any other Bank credit card statements

 

[HumorSimpson]

If someone is asking this kind of question before taking any top level card, then the answer largely leans towards : NO

What a card 💳 this is..
Neither The low end MB (money back) nor the high end MB (magnus burgundy) goes well with this card 💳.

 

[magnusfan]

Yes sir - trust me, you do!

And the fees - I haven't paid till date with 10L spends every year..

 

[drsel]

Yes sir - trust me, you do!

And the fees - I haven't paid till date with 10L spends every year..

Wow you got to teach me how to cross 3 lacs spend in the 1st 90 days to avoid the first year fee, while still collecting 12500 points

 

[magnusfan]

To add: Buy gold with your points and make your wife happier

 

[magnusfan]

Wow you got to teach me how to cross 3 lacs spend in the 1st 90 days to avoid the first year fee

U r an expert - I am sure of it!
Pay school fees, electricity bill, insurance, everything with Amazon Pay...

 

[drsel]

To add: Buy gold with your points and make your wife happier

In India almost everything is cheap, ( it's the 3rd cheapest country in the world to live in) but still it is the most expensive place in the world to buy gold

 

[BVCBVC is verified member.]

If someone is asking this kind of question before taking any top level card, then the answer largely leans towards : NO

On point . .

 

[BVCBVC is verified member.]

In India almost everything is cheap, ( it's the 3rd cheapest country in the world to live in) but still it is the most expensive place in the world to buy gold

As Gold prices are decided by Global prices and anything coming from outside India taxes. So sadly both are true (I am not sure of rankings though).

 

[theglobalinvestor]

Infinia is my oldest and primary card. I would drop one of your axis cards instead.

 

[sid16]

I have Magnus Burgundy, Samsung infinite, Atlas, Airtel, SBI cashback, AU Lit, and many other useful cards
I also have points on Air India for flights and Accor for hotels.

So should I apply for Infinia card to buy 10000 Amazon pay on Smartbuy 5x and pharmeasy medicines on Smartbuy 10x ?
Now you know that the best use of Infinia points is for air ticket booking on Smartbuy.

But I already have plenty of points on Air India.
I also have unlimited International and domestic lounge access with Magnus burgundy.
So do I really need a paid Infinia card for 14750 every year?

If you need unlimited add-on international lounge access (3 add-ons possible)
If you need lounge access without any spend requirements
If you want to be brand agnostic while purchasing flight tickets and doing hotel bookings
If you want largely exclusion free rewards (utilities still give points)
If you want 15% on Dineout for eating out
If you want other exclusive perks like 1+1 buffet in ITC every month, complimentary nights in ITC, unlimited golf games and coaching

Then YES, you can take Infinia at annual charges of Rs. 2250/= of GST (12500 points settle off against Rs. 12500/=)