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HDFC Inifinia Metal points Redemption

somu2372

TF Buzz
Hi All,

This is my first post on this forum! I have been reading lot of posts with great enthusiasm as I like exploring Credit card benefits.

I have HDFC Inifinia metal LTF (Got upgraded from Diners Club black which was issued under IIT Alumni program). I have been earning decent number of reward points (10K on an average) on monthly basis as I do not leave any opportunity to use Smartbuy.

After going through all the available redemption options, I believe only the following two are the most valueable options:

1. Redeem through Tanishq vouchers to buy Gold (indirectly an opportunity to re-invest reward points)
2. Redeem through Air tickets and hotels (if I have any travel plans)

I have been redeeming for Tanishq vouchers so far although there are a lot of charges (making charges+GST) involved in buying physical Gold. I feel that there is no other way we can re-invest the free rewards at this rate.

Please let me know if I am living in a myth or suggest me if there are better methods of investing through reward points

Thanks in advance!!
 
Hi All,

This is my first post on this forum! I have been reading lot of posts with great enthusiasm as I like exploring Credit card benefits.

I have HDFC Inifinia metal LTF (Got upgraded from Diners Club black which was issued under IIT Alumni program). I have been earning decent number of reward points (10K on an average) on monthly basis as I do not leave any opportunity to use Smartbuy.

After going through all the available redemption options, I believe only the following two are the most valueable options:

1. Redeem through Tanishq vouchers to buy Gold (indirectly an opportunity to re-invest reward points)
2. Redeem through Air tickets and hotels (if I have any travel plans)

I have been redeeming for Tanishq vouchers so far although there are a lot of charges (making charges+GST) involved in buying physical Gold. I feel that there is no other way we can re-invest the free rewards at this rate.

Please let me know if I am living in a myth or suggest me if there are better methods of investing through reward points

Thanks in advance!!
I feel tanishq is best but their making charges are very high

Ru sure it's ltf or is it fyf
 
I have had Infinia for a while and haven't used many of its benefits other than golf. Only recently, I have started spending a bit more time on discovering the benefits. So, still a relative noob. With that disclaimer:
- Work closely with someone in a Tanishq shop. They can show you jewellery with lower making charges, introduce you to their monthly investment scheme (which gets rid of the making charges after a while) and alert you when there are offers on making charges discount
- Spend time researching airline/hotel rewards. There are threads in this forum, experts willing to pitch in etc. You can also watch YouTube videos/ listen to podcasts etc. There is someone called Ajay Awtaney whose videos are interesting. I recently heard him in a video saying "credit card points are equal to money as far as airline miles are concerned. Wait, let me rephrase that. Credit card points are dollars as far as airline miles are concerned". This makes me think that there could be forex advantages that I have been missing
Just my thoughts. Cheers
 
Hi All,

This is my first post on this forum! I have been reading lot of posts with great enthusiasm as I like exploring Credit card benefits.

I have HDFC Inifinia metal LTF (Got upgraded from Diners Club black which was issued under IIT Alumni program). I have been earning decent number of reward points (10K on an average) on monthly basis as I do not leave any opportunity to use Smartbuy.

After going through all the available redemption options, I believe only the following two are the most valueable options:

1. Redeem through Tanishq vouchers to buy Gold (indirectly an opportunity to re-invest reward points)
2. Redeem through Air tickets and hotels (if I have any travel plans)

I have been redeeming for Tanishq vouchers so far although there are a lot of charges (making charges+GST) involved in buying physical Gold. I feel that there is no other way we can re-invest the free rewards at this rate.

Please let me know if I am living in a myth or suggest me if there are better methods of investing through reward points

Thanks in advance!!
Hotel/Flight booking on smart buy and air miles
Tanishq
Apple Products

These are the best redemption options in my opinion.
 
It is LTF.. I have received mail communication from the Branch manager

To support the statement, it has got "IIT MAA" tag which was there even on my previous DinersClub BlackView attachment 64243
IIT MAA is printed because it's an upgrade case and usually banks don't change any attributes in the system except what's needed such as card type, pricing.
It could be an LTF but the tag itself doesn't signify anything except that this attribute is carried forward.
 
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