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Infinia LTF Regalia GOLD is better than Paid Infinia | Reward Points Calculations/Maths | INFINIA is OVERHYPED

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Ref to my recent post, Thanks everyone for your suggestions on Infinia Metal. I considered all points and did some calculations...There are 2 scenarios

1. If Spend is around 7.5 Lac (In normal scenario, Infinia is offered with this much spend..I am not considering special cases of LTF Infinia):

(a) Regalia Gold:
RP's: 20,000
Bonus RP's: 10,000 (5 Lac milestone)
Bonus RP's: 5,000 (8 Lac milestone)
Total RP's: 35,000
A = Value of RP's @ 30 paise = Rs 10,500 (Considering average redemption and not special cases like Gold catalogue/smartbuy flight @ 1:0.5)
B = Quarterly vouchers of Rs 1,500 X 4 = Rs 6,000
C = Flight Vouchers of Rs 5,000 X 2 = Rs 10,000 (5k @ 5 lac and 5k @ 7.5 lac) (Not considering airport drop voucher)
Total Benefit = A + B + C = Rs 26,500

(b) Infinia Metal:
RP's: 25,000
RP's for annual fees = 12,500
A = Value of RP's @ 50 paise = Rs 18,750 (Considering average redemption and not special cases)
B = Annual Fees = Rs 14,750
Net Benefits = A - B = Rs 4,000
Infinia Metal is a BIG loser in this case

Even if you consider RP's value at 1:1 where you have very limited choice to redeem
A = Value of RP's = 25,000
B = Annual Fees RP's value = 12,500
C = Annual Fees incl GST = Rs 14,750
Net Benefits = A + B - C = Rs 22,750
Benefits of Infinia Metal is way below Regalia Gold despite the fact, you will be forced to you redeem infinia RP's only in flight booking or buying apple products

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2. If Spend is around 10 Lac

(a) Regalia Gold:
RP's: 26,666
Bonus RP's: 10,000 (5 Lac milestone)
Bonus RP's: 5,000 (8 Lac milestone)
Total RP's: 46,666
A = Value of RP's @ 30 paise = Rs 12,500 (Considering average redemption and not special cases like Gold catalogue)
B = Quarterly vouchers of Rs 1,500 X 4 = Rs 6,000
C = Flight Vouchers of Rs 5,000 X 2 = Rs 10,000 (5k @ 5 lac and 5k @ 7.5 lac) (Not considering airport drop voucher)
Total Benefit = A + B + C = Rs 28,500

(b) Infinia Metal:
RP's: 33,000
RP's for annual fees = 0 (Annual Fees Waived off)
A = Value of RP's @ 50 paise = Rs 18,750 (Considering average redemption and not special cases)
B = Annual Fees = 0
Net Benefits = A - B = Rs 18,750
Infinia Metal is a BIG loser in this case

Even if you consider RP's value at 1:1 where you have very limited choice to redeem
A = Value of RP's = 33,000
B = Annual Fees = 0
Net Benefits = 33,000
Only 4.5k benefit compared to Regalia Gold which is actually less (refer to point #2 in final conclusion)

MY FINAL CONCLUSION:
1. Infinia Metal is only beneficial if you redeem rewards to book flights through smartbuy or apple products else it is a BIG LOSER compared to Regalia GOLD.
2. 1:1 redemption is actually not a 1:1 as you buy the flight ticket or apple product at FULL value and forego discounts available..This ratio is 1:0.85 (As shared by other experts)
3. Infinia Metal will give you serious stress to spend only on Infinia metal card and you might miss out on other great offers on other cards. Example: Currently Amex is giving maximum offers on Swiggy, Zomato, Blinkit etc.
4. Last but not the least, INFINIA is a OVERHYPED Card in my personal opinion. No offence to Infinia users.

I HAVE DECIDED TO DECLINE THE OFFER TO UPGRADE FROM LTF REGALIA GOLD TO PAID INFINIA.

I apologies if there is any error in my calculation...Kindly mention the same in the comments, I will correct it
 
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Alex292929 said:
How much time does it takes to credit 10k milestone points on achieving the 5 Lac milestone?
I have spent more than 5 Lacs but only this milestone is not getting updated even the bill is generated now. It is stuck at 390k
View attachment 50321
@Sriim @nits123 View attachment 50322
Click to expand...
Hi Alex
Whats this screen shot? Which app.
How do you see this. I have Rega Gold, Spent 6 lacs but no Bonus rewards points. 2 statement also generated after that. How do you check this? Please guide
 
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If you dont use smartbuy to get accelerated reward points or to redeem the points, I can see the point.
But in my case, I booked a US ticket via smartbuy and I maxxed my 15k / month limit.. in addition to the 3.3% reward.
I already made more than the fee+gst in a single ticket purchase.

It really depends on your use..
 
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Hello,

I have HDFC Millenia CC & Tata Neu Infinity. The former is paid (never paid fees though given spends) and the latter is FYF. I'm now getting the offer to convert Millenia to Regalia Gold FYF. Should I take it? CL is 7.5L+. Have a long-term relationship with HDFC, with a Preferred savings account. For context, I also have AP ICICI and Flipkart Axis, so I won't miss the 5% at these two websites. My concern is that my spends won't match the renewal waiver for Regalia Gold.

Sorry to piggyback on this thread, I've been a lurker on TechFino and have insufficient privileges right now to start a thread. Thank you!
 
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conscious_matter said:
Hello,

I have HDFC Millenia CC & Tata Neu Infinity. The former is paid (never paid fees though given spends) and the latter is FYF. I'm now getting the offer to convert Millenia to Regalia Gold FYF. Should I take it? CL is 7.5L+. Have a long-term relationship with HDFC, with a Preferred savings account. For context, I also have AP ICICI and Flipkart Axis, so I won't miss the 5% at these two websites. My concern is that my spends won't match the renewal waiver for Regalia Gold.

Sorry to piggyback on this thread, I've been a lurker on TechFino and have insufficient privileges right now to start a thread. Thank
Click to expand...
How are your spends?
It depends on your spends and how you want to redeem the reward points you'll earn. If you travel then go for the gold else it might not make much sense for you.

With your limit you might also try for DCB
 
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Is Diners Club accepted widely in India though? That was my concern.

My spends are probably 2-3L per year, but spread out around online and offline. I do travel for work, maybe 4-5 times a year by air; I generally book through EMT, but I just noticed that SmartBuy has included EMT in it's search, so might be worth booking through there now? With Millenia, it has been easy, just redeem to statement balance. Same with Neu - auto-redeem as Neu coins, which I use monthly. Any thoughts? Thanks much!
 
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conscious_matter said:
Is Diners Club accepted widely in India though? That was my concern.

My spends are probably 2-3L per year, but spread out around online and offline. I do travel for work, maybe 4-5 times a year by air; I generally book through EMT, but I just noticed that SmartBuy has included EMT in it's search, so might be worth booking through there now? With Millenia, it has been easy, just redeem to statement balance. Same with Neu - auto-redeem as Neu coins, which I use monthly. Any thoughts? Thanks much!
Click to expand...
If your spends are 2-3L per month, DCB is not recommended unless u get it LTF.
Acceptance wise it's 95%+
 
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