Magnus vs infinia dilemma

[divyam_taparia]

Hello

I have a hdfc infinia and a magnus + burgundy account.

My monthly spends are above 1L but below 1.5L. Which card should i use for my monthly spends ?

 

[vina]

Very easy, Magnus + Burgundy (meeting the investment criteria) is going to be earning you 50% more points than Infinia on almost all spends. For now.

But even more importantly the thing you have to remember with Infinia/DCB is that the reward rate is absolutely messed up. It's not really 3.3% all the time.

So you could end up getting 100% or better returns on Magnus + Burgundy (meeting criteria). Even Magnus by itself at 2.4% could be getting you better returns than Infinia's claimed 3.3%.

And before people start starting spamming me for that.... look at for instance redeeming with United or many other similar Infinia miles partners.

So Magnus as main + Infinia on specific accelerated spends would be my strategy.

have you considered gyftr? it is just that now Infinia beats Magnus on Gyftr

although, we don't know for how long

still, for my monthly some 30-60k (say 45k average) is spent on Amazon and the like, and Gyftr through Infinia is worth 8.3% there in cash, and 16.6% in travel. Magnus is worth may be 9.5% in travel and half that much in cash

 

[PiperatGatesofDawn]

have you considered gyftr? it is just that now Infinia beats Magnus on Gyftr

although, we don't know for how long

still, for my monthly some 30-60k (say 45k average) is spent on Amazon and the like, and Gyftr through Infinia is worth 8.3% there in cash, and 16.6% in travel. Magnus is worth may be 9.5% in travel and half that much in cash

That's what I said right -

Infinia on specific accelerated spends would be my strategy.

 

[vina]

That's what I said right -

sorry I didn't realize by accelerated spends you meant Gyftr 😀

 

[divyam_taparia]

Pure 5% is also offered by entry level cards (for online)

Firstly restriction on usage of PP in dom - quite distasteful
Secondly no renenwal benefit for users who spend less than 25L
No additional benefit like or increase in niche benefits like increasing Bookmyshow 1+1 offer to 1000/750, no special 1500 discount on eazydiner

The point is do you spend significantly on travel then only i can feel that this makes sense or you make a lot of POS swipes (excluding hotels)

what is the meaning of this?
Firstly restriction on usage of PP in dom - quite distasteful

 

[divyam_taparia]

I

Infinia is good only for ticket or hotel booking but they add 300 rs service charge in smart buy portal hence further reducing reward ratio

true but gyftr is a particular spend.. infinia is better for you but i think u can buy amazon pay voucher only once per calendar month

 

[vina]

what is the meaning of this?
Firstly restriction on usage of PP in dom - quite distasteful

I think he is speaking about priority pass not being available for domestic airports

You see a lot of cards give you plenty of lounge benefits, if you just use them at airports outside India 😁. This is true even for premium cards (they'll offer guest visits at international airports, not domestic)

In other words, the benefit is BS

 

[deepcards]

Very easy, Magnus + Burgundy (meeting the investment criteria) is going to be earning you 50% more points than Infinia on almost all spends. For now.

But even more importantly the thing you have to remember with Infinia/DCB is that the reward rate is absolutely messed up. It's not really 3.3% all the time.

So you could end up getting 100% or better returns on Magnus + Burgundy (meeting criteria). Even Magnus by itself at 2.4% could be getting you better returns than Infinia's claimed 3.3%.

And before people start starting spamming me for that.... look at for instance redeeming with United or many other similar Infinia miles partners.

So Magnus as main + Infinia on specific accelerated spends would be my strategy.

Can you give some real calculations where one can get 50% on magnus, and where <3.3% on infinia?

 

[deepcards]

I

Infinia is good only for ticket or hotel booking but they add 300 rs service charge in smart buy portal hence further reducing reward ratio

But one gets 5X on flights, that comes around 16.67% na.

 

[PiperatGatesofDawn]

Can you give some real calculations where one can get 50% on magnus, and where <3.3% on infinia?

Please read what I wrote carefully.

Never said Magnus gives 50%.

Also explained how Infinia 3.3% can get halved because of the redemption partner.

 

[vina]

Can you give some real calculations where one can get 50% on magnus, and where <3.3% on infinia?

I think he is comparing default 4.8% (when converted to ITC or similar miles; and most of the time on Vistara miles also) on Magnus vs 3.3% on Infinia - that's a bit less than 50%


Also if you spend on Flipkart and Amazon - Magnus let's you buy 20k on Amazon Pay vouchers and 10k (was 50k for a few days 😀 ) on Amazon Shopping vouchers. I purchased 10k worth on Amazon Shopping vouchers using Infinia, but since then it hasn't allowed me to buy one rupee worth of Amazon Pay or Amazon Shopping vouchers more - I don't know whether that's a bug, but it is certainly annoying

The key is - the return is higher on Infinia at about 16% but it is capped to 10k; on Magnus the Cap is 30k even though return by default is only about 9.6%

 

[deepcards]

Please read what I wrote carefully.

Never said Magnus gives 50%.

Also explained how Infinia 3.3% can get halved because of the redemption partner.

Ya my bad. Although, i am not sure with Magnus reward ratio and conversion of 5:4, how it can be 50% more than infinia.. Infinia gives 33% on hotels and 16.67% on Flights/Gyft vouchers, with a cap of 15k per month. Magnus, when i did some calculations, is at max 19.2% or maybe 24%.

 

[PiperatGatesofDawn]

Ya my bad. Although, i am not sure with Magnus reward ratio and conversion of 5:4, how it can be 50% more than infinia.. Infinia gives 33% on hotels and 16.67% on Flights/Gyft vouchers, with a cap of 15k per month. Magnus, when i did some calculations, is at max 19.2% or maybe 24%.

Why are you arguing so much with me on a lovely Sunday night? Relax my friend. Go with Infinia if that's what calls out to your heart.

I did not say Magus gives 50% more on EVERY spend. I said they give on MOST spends. And if hotels and airlines are the only 2 categories you could come up with then my statement stands true. Right?

It might be that hotel and airlines are the only 2 spends that you do. May not be true for everyone. In general Magnus will give you 50% more (T&C apply. Please check offer document carefully before applying). Can be even more when you cross the 1.5L spend threshold. Then it gets even better for Magnus.

 

[deepcards]

Why are you arguing so much with me on a lovely Sunday night? Relax my friend. Go with Infinia if that's what calls out to your heart.

I did not say Magus gives 50% more on EVERY spend. I said they give on MOST spends. And if hotels and airlines are the only 2 categories you could come up with then my statement stands true. Right?

It might be that hotel and airlines are the only 2 spends that you do. May not be true for everyone. In general Magnus will give you 50% more (T&C apply. Please check offer document carefully before applying). Can be even more when you cross the 1.5L spend threshold. Then it gets even better for Magnus.

Lol, arey I just asked for specific examples, just want to know if I am missing something which you are aware about, as I already have an Infinia and consuming its 15k limit every month on travel, and need something apart from that now.

 

[PiperatGatesofDawn]

Lol, arey I just asked for specific examples, just want to know if I am missing something which you are aware about, as I already have an Infinia and consuming its 15k limit every month on travel, and need something apart from that now.

This is the first time you've mentioned that. Earlier it was just about 1-1.5L spends.

I don't know about your circumstances but if I was doing that I would probably be doing a lot more direct booking using Atlas + occasionally Infinia. Otherwise as I said in my initial response - Magnus + Infinia only on specific accelerated spends like hotels etc.

 

[Mohur]

have you considered gyftr? it is just that now Infinia beats Magnus on Gyftr

although, we don't know for how long

still, for my monthly some 30-60k (say 45k average) is spent on Amazon and the like, and Gyftr through Infinia is worth 8.3% there in cash, and 16.6% in travel. Magnus is worth may be 9.5% in travel and half that much in cash

Are you sure about the following statement:
Gyftr through Infinia is worth 8.3%

 

[PiperatGatesofDawn]

Are you sure about the following statement:
Gyftr through Infinia is worth 8.3%

It depends on the voucher you're buying. There is no fixed value.

 

[Mohur]

It depends on the voucher you're buying. There is no fixed value.

If you read carefully, that was in the context of Amazon.

 

[PiperatGatesofDawn]

If you read carefully, that was in the context of Amazon.

You're right.

 

[deepcards]

I have a question about add-ons on Infinia- the 15k cap per month is for all cards? the primary + add-ons? or its for each card separately?

 

[Deleted member 11974]

a

I have a question about add-ons on Infinia- the 15k cap per month is for all cards? the primary + add-ons? or its for each card separately?

all included 15k