• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Infinia Is INFINIA required when you have Magnus Burgundy + Atlas + Airtel + others

Apply For Lifetime Free IDFC First Credit Card
drsel

drsel

TF Prestige
I was wondering what spends to do with INFINIA which would give me higher returns than--

Magnus Burgundy (24% flights & Grabdeals, 14% >1.5 lacs)
+ Atlas (10% airlines & hotels online and offline)
+ Airtel (25% Airtel, 10% utilities)
+ SBI Cashback (5% online)
+ AU Lit (with 2.5% online, 2.5% offline and 5% bonus cashback)
ALL COMBINED

Amazon pay vouchers for 13.71% ?
Pharmeasy 10x ?

Also what non spend benefits am I missing out on, which are not covered by Magnus Burgundy + Atlas put together?
 
Last edited:
Apply For LTF AU LIT Credit Card
  • Like
Reactions: BVC
drsel said:
Yes I think I should use INFINIA for
1. Hotels 10x (both domestic and international) for 33.33% return upto Rs.56250 per day/month
2. Amazon pay for 16.66-2.95=13.71% return.
3. Pharmeasy 10x for 33.33% return upto Rs 56250 per day/month

And use Magnus Burgundy for
1. Flights 5x (both domestic and international) for 24% return below 2 lacs/month + 14% return on balance amount above 2 lacs/month
2. Education fee for 4.8% return below 1.5 lacs/month, 14% return above 1.5 lacs/month. Also no fee.
3. Large expenses over 1.5 lacs in a month for 14% return

Any more use cases for both these cards?
Click to expand...
Lol voucher isn't just Amazon pay.

Amazon shopping, Flipkart shopping, Myntra shopping, Croma shopping, Swiggy dining, Uber and many more. U r missing 100s of use cases. U can check that gyftr site and add all of them🤩.
 
jack333 said:
1x and 9x have separate capping. It comes out to 50k last time I calculated
Click to expand...
Accelerated reward points have capping of 15K per month. So 9x capping is 15K... It comes to 56,250 per day or per month on smartbuy hotels and around 1.1L per month or day for vouchers / flights
 
sourpai said:
Accelerated reward points have capping of 15K per month. So 9x capping is 15K... It comes to 56,250 per day or per month on smartbuy hotels and around 1.1L per month or day for vouchers / flights
Click to expand...
No, Jack is correct.
On Rs 49950, you will get 5/150 base points (1x), or 1665 points.
So 9x is 9 x 1665 =14985 points out of max 15000

On Rs 50100, you will get 5/150 base points (1x), or 1670 points.
So 9x is 9 x 1670 =15030 points out of max 15000 points (so you will lose/forfeit 30 points).
So better to spend a max of Rs.49950 per day or month on Smartbuy hotels.
 
Last edited:
drsel said:
No, Jack the Legend is correct.
On Rs 49950, you will get 5/150 base points (1x), or 1665 points.
So 9x is 9 x 1665 =14985 points out of max 15000

On Rs 50100, you will get 5/150 base points (1x), or 1670 points.
So 9x is 9 x 1670 =15030 points out of max 15000 points (so you will lose/forfeit 30 points).
So better to spend a max of Rs.49950 per day or month on Smartbuy hotels.
Click to expand...
Thanks for clarifying. I had calculated some time back but had forgot now how i reached it 🤣
 
drsel said:
No, Jack the Legend is correct.
On Rs 49950, you will get 5/150 base points (1x), or 1665 points.
So 9x is 9 x 1665 =14985 points out of max 15000

On Rs 50100, you will get 5/150 base points (1x), or 1670 points.
So 9x is 9 x 1670 =15030 points out of max 15000 points (so you will lose/forfeit 30 points).
So better to spend a max of Rs.49950 per day or month on Smartbuy hotels.
Click to expand...
Can you also calculate for 5x or 16%?
 
jack333 said:
Can you also calculate for 5x or 16%?
Click to expand...
Sure,
For Smartbuy 5x (flights, Amazon, Flipkart, Myntra, etc)
On Rs 112500, you will get 5/150 base points (1x), or 3750 points.
So 4x is 4 x 3750 =15000 points out of max 15000 points.

So you can spend a max of Rs.112500 per day or month on Smartbuy 5x categories for 16.66% return, provided you have not spent anything on the 10x categories.

thanks Jack, for helping me stimulate my brain
 
Last edited:
Only Smartbuy 5x categories
max. spend is 112500 per day or per month

Only Smartbuy 10x categories
max. spend is 49950 per day or per month

This is the first time anyone has shown and proven that the Smartbuy 10x max. spend limit is not half of the Smartbuy 5x limit (56250) but only 49950.
 
Last edited:
drsel said:
Sure, thanks Jack, for helping me stimulate my brain

For Smartbuy 5x (flights, Amazon, Flipkart, Myntra, etc)
On Rs 112500, you will get 5/150 base points (1x), or 3750 points.
So 4x is 4 x 3750 =15000 points out of max 15000 points.

So you can spend a max of Rs.112500 per day or month on Smartbuy 5x categories for 16.66% return, provided you have not spent anything on the 10x categories
Click to expand...
This is the exactly same capping amount as for indusind dc's 🤣
 
jack333 said:
This is the exactly same capping amount as for indusind dc's 🤣
Click to expand...
IndusInd debit card Rs.112500 spend paying credit card bills gets you 3000 points worth rupees 1050.
I have received these points until April 2024.

But from 1st May IndusInd is not giving these points on Cheq and some other apps, claiming they are insurance MCC codes
 
350modena said:
How are you getting this kind of return? TIA!
Click to expand...
Visa offer tap and pay 300 x 3 times using visa cards which have not been used for tap and pay before, and after 11 days you can unlock 300 Amazon shopping vouchers, that is a 33.33% return.
There is a thread on this forum or you can Google it for more info and for the link to redeem the 300 Amazon shopping vouchers
 
drsel said:
Visa offer tap and pay 300 x 3 times using visa cards which have not be used for tap and pay before, and after 11 days you can unlock 300 Amazon shopping vouchers, that is a 33.33% return.
There is a thread on this forum or you can Google it
Click to expand...
Thanks I'll check around the forum.
 
drsel said:
Yes I think I should use INFINIA for
1. Hotels 10x (both domestic and international) for 33.33% return on spends upto Rs.49950 per day or month for 1665 (1x) + 14985 (9x) points
2. Amazon pay for 16.66-2.95=13.71% return.
3. Pharmeasy 10x for 33.33% return on spends upto Rs.49950 per day or month for 1665 (1x) + 14985 (9x) points

And use Magnus Burgundy for
1. Flights 5x (both domestic and international) for 24% return below 2 lacs/month + 14% return on balance amount above 2 lacs/month
2. Education fee for 4.8% return below 1.5 lacs/month, 14% return above 1.5 lacs/month. Also no fee.
3. Large expenses over 1.5 lacs in a month for 14% return

Any more use cases for both these cards?
Click to expand...
@vaibhav111 can OP select his own answer as solution? @BVC
 
Apply For LTF HDFC Swiggy Credit Card
You must log in or register to reply here.
Back
Top