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Infinia My First Credit Card Infinia Metal and Comprehensive Guide on How to Use It

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Dear TF Family,

1. My Infinia Metal Credit Card Journey. I have received the 1st credit card of my life - Infinia Metal - and have activated it on 1st May 2024. My Infinia journey was quite short and sweet. The process started when I finally decided to go in for a credit card which I was so far avoiding due to various reasons. I just requested my RM to give me the Infinia Metal and he took about 2-3 days and then informed me that I was eligible, and the process started. My eligibility was possibly based on these factors - I have an ITR of Rs 50 L plus and have an Imperia account since June 2019. It is not my salary account. I have some FDs in the bank and some savings. I never had any credit card ever in my life and was using mainly debit cards, cash or PhonePe for my daily transactions. I had taken two loans - one a home loan way back in 2010 which finished in 2015 due to pre-payment by me. The other was a car loan again way back in 2014 which again finished in 2021. My CIBIL score (which I checked on 7th May 2024 after getting the Infinia) showed NH (i.e. No History). I also have a demat account in HDFC Securities with a portfolio of about Rs 6-8 L (it keeps on fluctuating based on the market upheavals). This will give an idea to the readers on the eligibility requirements for Infinia. With due procedures, I finally received the card along in a few days' time along with two Priority Pass cards and one Add-on card. The Add-on card holder is also having an HDFC Imperia Account with some savings in it and a demat account in HDFC Securities with a portfolio of about Rs 4-5 L. The Add-on card had a different number and CVV from the primary card. My Infinia Metal Credit Cards - Primary and Add-on both were based on Mastercard World.

2. How to Use Infinia. In the time period between the start of the issue process and receipt of the card, I scoured numerous sites to see how to use Infinia in the best possible manner. I also came across numerous threads on the TF site wherein numerous facets of Infinia were discussed thread bare. So, I decided to compile a comprehensive guide on how to use Infinia. Accordingly, I collated all relevant aspects of Infinia from myriad sites and compiled all the data in a guide.

3. Contents of the Guide. The contents of the guide are tabulated below:-


Chapter​
TopicPage
1Earning Reward Points (RPs)3
2Cappings on Earning RPs14
3Redeeming RPs16
4Cappings on Redeeming RPs23
5Transferring RPs24
6Card Offers and Benefits26
7Add On Cards36
8Priority Pass (PP) Cards37
9Lounge Access39
10Other Card Details42
11Fees and Charges45
12Credit Card Statement49
13Bill Payments51
14Miscellaneous Tips57
15Customer Support71
16References
72​

4. References. I have used numerous websites and my own personal experiences in the last 2-3 months for making this guide. Some important references are given below:-

5. My Own Infinia Experience. As my Infinia Metal Credit Card was activated on 1st May 2024 coupled with the fact that it is the 1st credit card ever of my life, I am still learning to optimize its usage, as I am new to this realm. However, based on my research so far, Infinia is definitely an excellent card even today, despite its devaluation over the years. Some experts on the subject may have a different perspective, based on their personal usage and experiences.

6. Comprehensive Guide on Infinia Metal Credit Card. I am attaching the PDF format of the guide. It is having about 72 pages. This guide is updated as on 1st July 2024. This guide may be of some use to some people who are using Infinia or planning to obtain Infinia. I have tried my best to include all aspects of Infinia and have also included some related issues like MCC, MDR, Credit Score, et al. I have used only information available on various websites/open sources available and have spiced up some aspects based on my personal experiences. I have not re-worded the information and have merely copy - pasted the same with some minor editing. I have given the references at the end of the guide.

7. Disclaimer. All the data in this guide has been sourced, collected and collated from open sources like various blogs, articles, threads, news, bank websites, etc. and/or through Infinia concierge/customer care/personal experiences. These details/data may change from time to time. All information in this guide is for mere reference and user guidance only for Infinia Metal Credit Card users.

I am sharing my own perspectives through this thread and am also attaching the comprehensive guide on Infinia Metal Credit Card in the PDF format for easy reference. I sincerely hope that it is of some use to the reader i.e. you.

Best wishes. 🙂
 

Attachments

Click to expand...
dexter_greycells said:
Only 4x are calculated in accelerated RPs. The 1x is base.
It is per calendar month, not statement cycle.

Every SmartBuy user must bookmark this page - https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

If you are on a laptop, it is barely a 5 minutes job to validate if you got the right accelerated RPs or not once the statement has been generated. Here is what I have been doing every month for years -

1. Check the statement to see if all transactions have got the regular RPs or not. Petrol, Government transactions aren't supposed to earn any RPs. Grocery RPs (including Swiggy) don't show up in the current statement at all but as a separate line item in the next statement.
2. Launch any spreadsheet app and start entering the regular RPs on each row under the first column (Column A)
3. Once done, put the multiplier (0 for no accelerated rewards, 2 for 3X, 4 for 5X, 9 for 10X) for each RP cell in the second column (Column B)
4. Do a multiplication of the first cell and second cell in the third column (e.g. =A1*B1) (Column C)
5. Drag and drop that down to the last row.
6. Select all values in Column A first and then Column C to see the regular RP and accelerated RP totals. The numbers will invariably tally with what you see in the statement.

It is actually easier to do this than to explain.
Click to expand...
Really really appreciate this man .. thanks a lot lot
 
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dexter_greycells said:
Only 4x are calculated in accelerated RPs. The 1x is base.
It is per calendar month, not statement cycle.

Every SmartBuy user must bookmark this page - https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

If you are on a laptop, it is barely a 5 minutes job to validate if you got the right accelerated RPs or not once the statement has been generated. Here is what I have been doing every month for years -

1. Check the statement to see if all transactions have got the regular RPs or not. Petrol, Government transactions aren't supposed to earn any RPs. Grocery RPs (including Swiggy) don't show up in the current statement at all but as a separate line item in the next statement.
2. Launch any spreadsheet app and start entering the regular RPs on each row under the first column (Column A)
3. Once done, put the multiplier (0 for no accelerated rewards, 2 for 3X, 4 for 5X, 9 for 10X) for each RP cell in the second column (Column B)
4. Do a multiplication of the first cell and second cell in the third column (e.g. =A1*B1) (Column C)
5. Drag and drop that down to the last row.
6. Select all values in Column A first and then Column C to see the regular RP and accelerated RP totals. The numbers will invariably tally with what you see in the statement.

It is actually easier to do this than to explain.
Click to expand...
Is hdfc gyfter charging GST for Amazon shopping and Flipkart gift Card .. till 2 days back there we no such charges I only saw charges when I did transaction for Amazon pay !!
 
Also to Max out 15k RP , we need to spend 112612 if we calculate only 4X accelerated RPs.
looks like you have included base 1X also in the 15k threshold.
 
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