Should I upgrade from DCB LTF to Infinia paid?

[ruthwik]

Currently I have Hdfc Diners Black Life time free card and that is my main card for my spends. I have an upgrade offer on the hdfc website for DCM metal with FYF and after following up with my RM got a upgrade form for Infinia but it is paid.

I have multitude other cards like Axis Ace, airtel,aura, Amex MRCC, Indusind Legend etc but none are premium/super premium cards. I only use other cards if Diners is not accepted. I have an Annual spend of close to 10-12 lakhs every year.

Should I proceed with upgrade to Infinia given that I don't travel much and rarely use amazon gift Vouchers through gyftr. Should rather continue with DCB and get a better card from other banks, do suggest them as well.

 

[Firewing224]

Bhai I have a query. 16% return tbhi hoga when I buy apple, tanishq products or book tickets on smartbuy.
What if someone does not need these things in return.
Secondly, return should also be calculated in terms like when redeemed in voucher form. Because for a person who is not travelling won't get 16% returns. But the same person can get accelerated points if he wants to pay for insurance upto 1 lac in a month using Amazon pay balance which he could load using smartbuy.

If u spend 10-12L p.a, your lifestyle will definitely be one where you will go for at least 1 vacation with your family? Use it there.

And tbh, tanishq vouchers are decent.

 

[Firewing224]

I have a question here. Let's say I want to pay a restaurant bill of 6k using dine out. I have 2 options -

pay the bill using swiggy money after buying swiggy gift vouchers from smartbuy for 5k (6k - 1k RP)

or

Combine offers from swiggy (15% off upto 1k using Infinia) and HDFC (3.33% reward points on normal spend) - combining these 2, I am able to save 1069.

The second option looks better if the total bill can be clubbed with each other, doesn't it?

Instant discount is always better. However swiggy gives RPs as per grocery mcc.

 

[harshgupta940]

And tbh, tanishq vouchers are decent.

Can someone with not that much spends keep on accumulating reward points on LTF DCB and then upgrade to Infinia before the points expire in 3 years and then redeem the points earned on DCB for Tanishq vouchers using Infinia?

 

[Firewing224]

Can someone with not that much spends keep on accumulating reward points on LTF DCB and then upgrade to Infinia before the points expire in 3 years and then redeem the points earned on DCB for Tanishq vouchers using Infinia?

Thereotically yes. But hdfc can anytime remove tanishq vouchers or devalue / revalue points.
Use infinia points whenever you can.

 

[airbubble]

Instant discount is always better. However swiggy gives RPs as per grocery mcc.

what does this mean? the reward points won't be 3.33% on general spends?

 

[Firewing224]

what does this mean? the reward points won't be 3.33% on general spends?

It will be but there's a cap of max 5k points on groceries I believe.

 

[airbubble]

It will be but there's a cap of max 5k points on groceries I believe.

Infinia gives 2x Reward on dining spends, would you be able to confirm if dine-out payments are considered a dining spend on infinia?

 

[Shroud]

Infinia gives 2x Reward on dining spends

This was discontinued long ago....

 

[harshgupta940]

Infinia gives 2x Reward on dining spends, would you be able to confirm if dine-out payments are considered a dining spend on infinia?

Now only DCB gives 2x on dining that too on weekends.

 

[Firewing224]

Infinia gives 2x Reward on dining spends, would you be able to confirm if dine-out payments are considered a dining spend on infinia?

I hereby confirm.... That .... All spends on swiggy platform are grocery spends.

I also confirm that no such 2x benefit exists for infinia.

 

[indraneal89]

I hereby confirm.... That .... All spends on swiggy platform are grocery spends.

I also confirm that no such 2x benefit exists for infinia.

Why not buy Swiggy Money vouchers on Gyftr instead?

 

[Firewing224]

Why not buy Swiggy Money vouchers on Gyftr instead?

He wanted to compare infinia 15% + 3.3x RP on remaining amount on dineout vs swiggy money 5x RP.