A lot people are criticizing OP left and right,
And i don't want to individually reply and get into arguments here,
So let me just give you my perspective on this
1. Infinia is as such best, most coveted card right now, people know that, hdfc knows people know,
That's why eligibility criteria increased recently
so their's some sentimental/aspirational value attached to getting it
2. And so getting this Card is really very difficult, with the amount of people posting their success stories here you might think that it's easy to get, It's not,
There are plenty of people I've seen both here and physically who are more than qualified but still can't get infinia, there're person with 1.2 cr ITR and another who's a hugely successful credit card Youtuber who can't get it as well, later one had to take secured infinia with 10L FD(FD route not available anymore i believe)
3. So for OP at Millennia with 1.75L limit it might have been years even decades to get to Infinia with 8L limit
4. And Infinia is something that provides peace of mind for whole family, get add on for everyone with Priority Pass and you can get into most lounges
5. Being on Visa network it'll accepted almost everywhere, so 3.3% return rate on almost everything
6. Based on his spends OP can make upto 15k points per month on smartbuy, and no limit on regular points, these can be used 1:1 for flight bookings, hotels, Tanishq, Apple etc
7. Other benefits like ITC 1+1 buffet, club marriot membetship and unlimited golf is difficult to put price on, but can make good use of
8. Great card for foreign spends, as it gives around 2% net gain after forex mark up(quite rare)
9. Limited time offers and gifts, in recent times infinia holers have received Swiggy One, Acccor plus at a great price(7500 rps), some other offers as well i don't remember
10. Now coming to ULIPs, while i don't necessarily endorse this product, people have made good money with it, it just requires you to have a little technical know how and Research about which funds to park into and when to move in/out, so it’s not that bad per se
Bottomline is if you've done your research and can do good with ULIP, and you can get good value out of Infinia, it's not a bad combo
