Regarding Infinia Reward Points credit

[prachetadas09]

Hello Folks

I am bit confused. I talked to the HDFacphone Banking to understand how the reward points system in Infinia is? What are the limits and capping? They said there is no capping. And even rent fuel and insurance are eligible for rewards.

I also checked with infinia Concierge, they said there is a cap of 15000 points but on the smartbuy points. They were not sure of insurance rent etc.

I am getting different dated articles on internet

Can anyone here share the latest and with authentic souce about the rewards point system on Infinia. What is the rewards system on smartbuy and gyftr and capping?
Also, are add on card rewards separate or included in the above capping ?

request forum to help me.

 

[bonheur]

The kind of people who spend 30-40L a month don't care much about rewards, they care about the charge going through and not being bothered to keep track of their available limit -- just make a single large payment at the end of the month.

Amex acceptance doesn't magically improve for people willing to spend 40L monthly, so even they need at least one backup Visa/MC card 😛

 

[Firewing224]

Amex acceptance doesn't magically improve for people willing to spend 40L monthly, so even they need at least one backup Visa/MC card 😛

It does actually, because stores at which you shop change.

 

[bonheur]

It does actually, because stores at which you shop change.

Sorry but I was hoping no one would make that argument. I’ve been to many posh joints in all categories of establishments in India and abroad and Amex acceptance isn’t a given, including even on international websites. The online issues bit also has something to do with RBI regulations, which makes things like standing instructions on Amex impossible.

 

[Worried--Parent]

Sorry but I was hoping no one would make that argument. I’ve been to many posh joints in all categories of establishments in India and abroad and Amex acceptance isn’t a given, including even on international websites. The online issues bit also has something to do with RBI regulations, which makes things like standing instructions on Amex impossible.

At least for international payments, it's easier to use Amex e.g. on Patreon, none of my cards work reliably but Amex does ... being a network & issuer makes it easy for them to comply in certain situations.

 

[Gkcards]

5000 points cap on insurance

It’s per day limit I think, or monthly

 

[superstar@123]

It’s per day limit I think, or monthly

Reward points accrued for Insurance transactions will have a maximum cap of 5,000 reward pointsper day

 

[EINSTEIN]

You need to use infinia only on Smartbuy 5x.
Maximum 112500 every day or month

Can you share the calculation behind this exact number?

 

[drsel]

Can you share the calculation behind this exact number?

 

[sahilgulati5]

Amex cards r not accepted much in India becoz they have high MDR charges for metchants. But now it has start changing n is now at par with visa/ Mastercard. So very soon u would be seeing it get accepted at lot of places in India

 

[Wealth is my birth right!]

Amex cards r not accepted much in India becoz they have high MDR charges for metchants. But now it has start changing n is now at par with visa/ Mastercard. So very soon u would be seeing it get accepted at lot of places in India

Still govt websites wont accept lets see

 

[jar89]

Please refer to the 2 highlighted transactions.

So, the 37,900 was converted to EMI and they reduced 1260 RP, but for the initial transaction 1260 was not credited. And I don't find it in the Bonus section under grocery or any other category.
CC confirmed the MCC is of grocery and they said, as the initial txn was done on 30th and under grocery, it will be settled only by Nov 1 and I will see +1260 under grocery in Nov statement. Is it a fair statement from the CC guy or is he bluffing.

I know that those categories follow calendar month for RP and not billing cycle. But then it should be 1st to 30th/31st right ?
Is it from 30th to 30th ?

 

[Ash8]

Please refer to the 2 highlighted transactions.

So, the 37,900 was converted to EMI and they reduced 1260 RP, but for the initial transaction 1260 was not credited. And I don't find it in the Bonus section under grocery or any other category.
CC confirmed the MCC is of grocery and they said, as the initial txn was done on 30th and under grocery, it will be settled only by Nov 1 and I will see +1260 under grocery in Nov statement. Is it a fair statement from the CC guy or is he bluffing.

I know that those categories follow calendar month for RP and not billing cycle. But then it should be 1st to 30th/31st right ?
Is it from 30th to 30th ?

He is not bluffing. With the advent of grocery and utility points being credited separately, this mess keeps on happening. You will get the points in next statement (this has happened with me already many times).

 

[Lobogris]

Amex cards r not accepted much in India becoz they have high MDR charges for metchants. But now it has start changing n is now at par with visa/ Mastercard. So very soon u would be seeing it get accepted at lot of places in India

Yes, almost all high to mid end places accept Amex now.