Infinia Infinia 3 lacs target spend

[drsel]

I need to spend another 2.30 lakhs using INFINIA within 45 days to get the 14750 joining fee waived off.
Even MCC exclusions are allowed for the target spend, except cash withdrawal, EMI and balance transfer.

Any tips and tricks on how to achieve this target, without paying too much in fees or expenses?
You may direct message me for privacy

 

[ujjwal2024]

Thanks
Infinia category 100% exclusions are --
EMI, wallet load, balance transfer, etc
Fuel
Rent, repairs, maintenance, movers & packers, etc
Govt & taxes
Education (3rd party apps)

Infinia category caps per calendar month are--
Utilities = 2000 points on 60k spend
Telecom = 2000 points on 60k spend
Grocery = 2000 points on 60k spend
Insurance = 5000 points on 150k spend per day
Smartbuy = 15000 points per day or calendar month
Statement = 200,000 points per bill

you are great...always helping the forums with loads of real information...
we only differs a little bit on axis M4B (that is because you have it as LTF)...otherwise we would have agree with each other...
I agree with you on ATLAS although...
Keep up the good work....

 

[Ash8]

I got 1700 points on buying 10,000 Amazon shopping voucher. That would happen only is 10,295 is considered for accelerated rewards. Otherwise I would have got 1650 reward points. Please let me know if you want me to show calculation.

That is strange...
You got it for ASV then but 2.95% charge (now revised to 3.54%) has been there on AGV since long right? Never got reward points for that charge.

 

[girish3456]

I need to spend another 2.30 lakhs using INFINIA within 45 days to get the 14750 joining fee waived off.
Even MCC exclusions are allowed for the target spend, except cash withdrawal, EMI and balance transfer.

Any tips and tricks on how to achieve this target, without paying too much in fees or expenses?
You may direct message me for privacy

Do a card to account transfer on snapay app. Perform T+4 (low) transaction which charges you just 1% + tax. So you may charge with around 2500 rupees. Rather than paying 14,750, this is the good option if you don't have any other options

 

[Ram1]

Try housing app, check arindam videos

 

[ujjwal2024]

I need to spend another 2.30 lakhs using INFINIA within 45 days to get the 14750 joining fee waived off.
Even MCC exclusions are allowed for the target spend, except cash withdrawal, EMI and balance transfer.

Any tips and tricks on how to achieve this target, without paying too much in fees or expenses?
You may direct message me for privacy

Bro, I will suggest you to forget about the 2250 Rs of GST...
as if you pay the fees of 14750, we will get 12500 of reward point
Net loss is Rs. 2250 only

Now it order to avoid the fees, please please do not over spend or do not spend unnecessarily

It is my earnest request
Now, you are in this game for so long and what I have understood you do not want to loose any real money
Hence, I am sure, you will take the right decision

 

[tachniki]

That is strange...
You got it for ASV then but 2.95% charge (now revised to 3.54%) has been there on AGV since long right? Never got reward points for that charge.

I have got 1725 reward points for 10k AGV on 10th October.

 

[drsel]

Gold and vouchers are already suggested in previous posts.
You can buy vouchers directly from apps as well which do not charge on credit card if accelerated point limit is exhausted and thus you won't be charged anything. This is a corner when you need to push.
Also check if you can pay any utility bill in advance, again for some smaller amount where you are sure those bills will be charged to you.

But using Infinia to buy Amazon pay on other apps/websites and advance (excess) payment of utility bills will give less than 3.33% returns.
I get more than 10% return buying Amazon pay and using it for utilities.

 

[ujjwal2024]

What I can suggest is that if you require, you can buy jewelry
as jewelry spend does give reward and included in milestone benefit

 

[sunit123]

Yes. We Indians caused high credit card debt in US. So, put a poster outside bank (remember from British time?) . Indians will not be issued credit cards.

This is the biggest problem in India...You talk about anything and people jump the ship & start comparing with USA, Pakistan, Sudan, Nigerai and blah blah...Thanks to whatsapp university

We live in India so talk about India...Also, before comparing our self with USA just check the difference between per capita income of India and USA....It will show us the Mirror...

 

[techstrom007]

Using Infinia, you can buy Flipkart voucher on SB 5x upto 25K/p.m. If you have 3 add-ons, then you can easily buy 1L/p.m

Add these GCs to Flipkart and buy Gold coins. Net amount comes to Rs.6950/gm for a 24K BRPL coin which is lot less than market price of Rs.8200/- including GST+MC.

Did addon card has separate SB limit ? like for Amazon i can get 10+10k GC with reward points with 1 addon card?

 

[ujjwal2024]

Did addon card has separate SB limit ? like for Amazon i can get 10+10k GC with reward points with 1 addon card?

there is no fixed rule it seems...some people may get this and sometimes it does not work
you have to do trial and error and on your luck, it seems

 

[tachniki]

This is the biggest problem in India...You talk about anything and people jump the ship & start comparing with USA, Pakistan, Sudan, Nigerai and blah blah...Thanks to whatsapp university

We live in India so talk about India...Also, before comparing our self with USA just check the difference between per capita income of India and USA....It will show us the Mirror...

Not comparing. Lol. Being sarcastic. Saying "Indians don't know how to manage credit card" must mean that some-ians know how to manage. Whatsapp university. Huh.

 

[tachniki]

Did addon card has separate SB limit ? like for Amazon i can get 10+10k GC with reward points with 1 addon card?

Yes. Accelerated rewards will be still limited to 15k including add on card.

 

[Sriim]

No, you do not get that. I haven't got it.

We do get

Have always got it

 

[Sriim]

Did addon card has separate SB limit ? like for Amazon i can get 10+10k GC with reward points with 1 addon card?

Y e s. Better to do on a different gyftr account

 

[Zacobite]

Amazon fresh does not exist.
Swiggy denominations only 200 available
Flipkart 5000 denomination not available

Wait.. will replenish

 

[sid16]

There is a 15000 per month limit on accelerated rewards. So as per 4X, it comes up to a maximum spend of Rs. 112500 on Smartbuy.

 

[sid16]

My suggestion, if you don't know where to spend, it probably means you don't have real spends available. My options are below:

1. Ask friends and family if they want to book any flight tickets. Use your 5X on those tickets and maybe pass on some discounts to them or give them a credit period to pay back.
2. Purchase gold coins.
3. Invest the 2.3 lakhs in a bank FD, you will get more than Rs. 14750 in a year's time. You will also get 12000 Infinia points on fees getting charges to your card.

 

[drsel]

My suggestion, if you don't know where to spend, it probably means you don't have real spends available. My options are below:

1. Ask friends and family if they want to book any flight tickets. Use your 5X on those tickets and maybe pass on some discounts to them or give them a credit period to pay back.
2. Purchase gold coins.
3. Invest the 2.3 lakhs in a bank FD, you will get more than Rs. 14750 in a year's time. You will also get 12000 Infinia points on fees getting charges to your card.

This is the beauty of the collective wisdom of tecno fino members
people come up with great innovative ideas!
No expert can know everything related to credit cards

 

[drsel]

Is every add on Infinia card also eligible for 10000 Amazon pay?